davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

on XX/XX/XXXX I cancelled a subscription service related to my employment in the mortgage industry. I contact the service and asked for a refund of the unused portion. They were unable to refund however they stated in an email that they would allow a dispute of XXXX to be processed since they can not refund. 

I submitted the dispute with US Bank on our about XX/XX/XXXX, It was acknowledged by XXXX Bank on XX/XX/XXXX and a provisional credit was provided in the amount. 

on XX/XX/XXXX the credit was reversed. I contacted US Bank via telephone since that is the only option to address this issue and was advised that the credit was reversed because I did not complete the form and return it via XXXX. I asked if i could email it and was advised they do not accept emails. Very strange in this digital age but I printed out my email from XXXX XXXX the vendor that agreed to the dispute and sent that email along with the required US Bank form and mailed it in. 

I called and confirmed it was received and waited. 

I called again today XX/XX/XXXX and was told that the dispute was too old and they could not process it. 

I asked the rep why would my own bank not provide a refund when the vendor has already agreed to it. They stated that they could not due to the timeline and then the phone went dead. 

At that point I felt my only recourse was to submit a complaint. 

I am truly at a loss when my own financial institution is the hold up on a refund that has been pre approved by the vendor.
Consumer complaint received 2024-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management also known as MCM keeps calling my cell phone number. In the past they would leave voice mail messages. Now they call from different numbers, even on the weekend. 

I do not owe a debt to any debt collector yet they keep trying to contact me by phone. If they believe I had a true debt they should send me a letter in compliance with the federal Federal Debt Collections Practices Act and its Florida counterpart.
Consumer complaint received 2020-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

In XXXX of 2016 my student income based payment plan was set to renew at 15 % of my income. I asked Navient if there was a way to lower the payment. They steered me into a new plan that would be 10 % of my income without explaining to me that I would incur {$60000.00} in capitalized interest. I believe I was deceived so they could get more interest.
Consumer complaint received 2020-08-13
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: ALLIANT CREDIT UNION (MI)

Inquiry from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (PA)

My card was hacked. I called and was able to cancel the card and order a replacement. However, I have not been able to speak to anyone about it. I was placed into a call queue for at least 45 minutes and no one ever picked up. There is more than {$300.00} in charges from overseas that were taken fraudulently from my account on XX/XX/2020. This account is for Child Support in Pennsylvania and EPPI Card ( Conduent XXXX  ) I just need to speak with someone so that I can get this money refunded.
Consumer complaint received 2020-08-13
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)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. # XXXX XXXX, Tx. XXXX Experian XXXX XXXX  XXXX XXXX, Texas XXXX RE : Requesting a Method of Validation Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX XXXX XXXX Acct # XXXX in XX/XX/XXXX. 
I was saddened to learn that you somehow out of all the other credit reporting agencies, you verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and should be removed as other credit reporting agencies has, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with with XXXX XXXX XXXX XXXX Acct # XXXX Please include all names and contact information of employees that you spoke to at with XXXX XXXX XXXX XXXX Acct # XXXX as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, XXXX XXXX
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/20 I sent out 609 letters to all 3 credit bureaus XXXX, XXXX, and Equifax. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was notified in am email on XX/XX/XXXX that Bank of America would be updating their home loan system between XX/XX/XXXX and XX/XX/XXXX. After XX/XX/XXXX everything was supposed to be finished and I should have been able to access my account. As of XX/XX/XXXX I was still unable to access my account as it had been removed from my user account profile, so I sent them a message to ask what was going on with the account and if there was something that I needed to do on my end. On XX/XX/XXXX I received a reply back from them informing me that my issue would be best resolved if I contacted them by phone. I called the phone number provided and was informed once I got into the queue that the wait time would be over 90 minutes. This is an unacceptable amount of time to wait to have this issue addressed. I wrote them in the first place, so I did not have to wait an eternity on hold only to get dropped part way through the call, which I did.
Consumer complaint received 2020-08-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (TN)

First of all this debt was re- aged and claims to be active as of XX/XX/XXXX, which is not true. At the time this debt occurred I lived at another address and it was initiated in XXXX. This debt was included and XXXX in my Chapter XXXX Bankruptcy filing in XXXX. National Credit Adjusters refuses to remove this dispute from my credit file knowing the debt has been re-aged and that it was included in my Chapter XXXX Bankruptcy filing along with other debts. A copy of my credit report was accessed to initiate the filing of debts to be included in the case. The amount of the debt is said to be {$460.00}. I am currently trying to get this debt removed from my XXXX  Credit Report and have been unsuccessful in getting the matter resolved.
Consumer complaint received 2020-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At the closing of our mortgage on XX/XX/2020 our estimated monthly escrow payments for our insurance and taxes was {$1800.00}. We received our first escrow analysis XX/XX/2020 and within that notice they indicate they have received the actual amounts for our taxes and they are lower than what they estimated ( Estimate : {$1600.00} monthly, Actual : {$1500.00} monthly ). As part of that Escrow Analysis they are asking us to pay an additional {$2700.00} in one lump sum or over 12 months. I reached out to Bank of America to understand why we're being asked to pay more when our actuals ended up being less than their estimates and the explanation was more of a regurgitation of the Escrow Analysis instead of  addressing the route cause that their initial calculation at closing appears to be a miscalculation on their part. The idea that your escrow payments need to go up even though your taxes came in below their estimates seems to be a miscalculation on their part at the onset of the mortgage or just a poor explanation of their escrow calculation process. 

Fortunately I am able to handle this financially, but I can imagine others that would go through something similar could struggle to pay if Bank of America is not properly explaining their escrow calculation prior to closing or just doing it incorrectly and creating these surprise additional payments. Also, could see how this could affect people that would want to plan and pay down their mortgage faster with additional payments, thus causing additional financial harm.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inquiry from XXXX XXXX on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$360.00}, {$1900.00}, {$2800.00}, {$2000.00}, {$1400.00}, {$690.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

7. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account.
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inquiry from XXXX XXXX  on XXXX XXXX  XXXX XXXX. I dont not recognize this lender or giving authorization to perform a hard inquiry.
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: Experian Information Solutions 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 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inquiry from XXXX XXXX XXXX on XX/XX/19. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2020-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inquiry from XXXX XXXX XXXX on XX/XX/2019. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Consumer complaint received 2022-11-01
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (CO)

William and Fudge debt collection keeps calling me many many times a day at weird hours and is also reaching out to my work, friends, relatives, and being very inappropriate. I asked them to stop reaching out yet they continue to do so and are being very inappropriate over the phone, even verbally escalating at times and I feel harassed and violated. This is the most unprofessional company I've unfortunately had to do business with. Due to financial difficulties with paying school loans trying to continue my education while working full time. I'm trying to settle the debt but need time and do not want to be harassed. In addition they are unwilling to negotiate debt at all. I want the harassment to stop, I'm treated like a criminal over a small amount of school debt.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.
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 is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

ALL THREE CREDIT BUREAUS SHOWED MY POSITIVE HISTORY ON MY XXXX  XXXX CARD ACCOUNT XXXX - NOW IT GOT REMOVED AND MY CREDIT CARD COMPANY SAYS IT IS REPORTING AND IT DOES NOT REPORT
Consumer complaint received 2024-01-19
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)

15 US Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!
Consumer complaint received 2023-06-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The Bank of America includes on mail the POD on the face of the envelop for anyone to see. The mailman, neighbors who might pick up my mail or my beneficiary all might view my personal information. I have asked them to remove this from the face of the envelop but they refuse to. Who i designate as my beneficiary is not the business of anyone who decides to view the mail envelop. I have tried at the bank, called customer service but they say it can't be removed. When asked if I changed my beneficiary could they remove the name and add a new name they responded yes. Therefore, I claimed, a name could be removed if that were the case. They do not seem to understand this is a violation of my desire not to let anyone know my private business. 
The date I visited the Bank of America in XXXX, NY, was XXXX XXXX. This is the same day, XXXX XXXX that I called customer service. 
The lack of understanding and inconsiderate actions of Bank of America are inexcusable. 
Requesting a simple removal of personal information not to be displayed for anyone to see and outright refusal is not acceptable. 
Thank you.
Consumer complaint received 2022-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WI)

My wife and I have been trying to obtain a payoff letter from US Bank for our XXXX  with a different bank and US Bank will not send us the letter and we have been trying to get this letter for over one week. We need help to make them send the letter.
Consumer complaint received 2020-08-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

Santander is reporting a charge off on my credit report that should be removed as settlement with XXXX XXXX. I have attached them for review. Then a collection account with XXXX also hit my credit report which shouldn't be on there either.
Consumer complaint received 2020-08-13
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. (KY)

Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXX BA Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}
Consumer complaint received 2020-08-13
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2020-08-13
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. (KY)

Their is an account being reported to my credit and it does not belong to me. This account is stopping me from buying a home. The account is listed below. 


Name on account XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2017 Account number # XXXX Balance {$24000.00}
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been XXXX  days since I filed a XXXX demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This concerns Capital One Bank closing old active accounts. Just because you have had a long standing account, no other reason. Direct deposits are lost, checks will bounce, all because we did not see the one time letter, sent in a plain envelope during the summer. No other warning. 

Is this legal? How do they expect to keep customers? 

Couldnt they just make the changes internally and inform us? 
Did they have to turn our financial world upsidedown? 
Is there a good legal reason for what they did?