davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-28
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. (GA)

Experian has removed an account from my Credit Report It was a XXXX Account. Experian Removed the account Early XXXX and on XXXX XXXX Experian placed the account back on my credit file reported to me directly on the phone that XXXX  Requested the item be placed back on my report exactly that day. There is a reinsertion law that the credit bureau needs to abide by I never received a notice five days prior and if XXXX requested the update XX/XX/XXXX why did Experian plus the item back on my report the same day XXXX requested. Experian is also including the accounts utilization in my score. This account is a closed revolving account the balance should not be hurting my utilization as a CLOSED account. This entire system is not fair to the consumer if I as a consumer dispute an account I have to wait 30 days and 45s day now due to the pandemic but the credit furnisher can request an account be reinserted and that task was completed the same day without providing me any notice at all. They also again including the Utilization in my open revolving accounts while this account is closed. Please Enforce The Reinsertion Law at the Bare Minimum and make them remove the Permanently DELETE THIS unauthorized ACCOUNT
Consumer complaint received 2024-02-28
Product: Credit 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: TD BANK US HOLDING COMPANY (NY)

Well my credit card was charged XXXX to XXXX charges I didn't do when I get XXXXntouch with my bank TD BANK and file a dispute charged they deny my claim and told me XXXX say I made that purchase I have been in dialog with XXXX and TD BANK from XX/XX/2023 TD BANK keep telling me to call XXXX which I did every day I spoke to Manger at XXXX his name is XXXX he guarantee me the money would return to my card nothing and it didn't I am tired and frustrated I even produced a police report and nothing
Consumer complaint received 2020-09-28
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. (MA)

Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

To : Whom It May Concern : I am writing this letter because there is an incorrect account on my credit report, so I am sending this letter to the credit bureau. I am a victim of identity theft. 
These accounts are all fraudulent. 
Why are these bad records on my credit report and messing up my credit? 
These incorrect accounts contain information I have no knowledge of. 
Someone applied and used my personal information. I am suffering so much from these incorrect accounts. I did not sign my name, nor did I directly or indirectly authorize anyone else to sign my name. And my credit report also shows incorrect addresses where I don't live. 
Even I currently live in XXXX XXXX. I have never lived in Colorado, But I have so many Colorado addresses on my credit report. 
Please remove these incorrect and wrong accounts and personal information from my credit report. 


-- ACCOUNT 1. BK OF AMER with ACCT # XXXX opened on XX/XX/2020 with balance of {$17000.00} - I am the victim of identity theft, and I did not open this account.
Consumer complaint received 2020-09-28
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. (MA)

Hi XXXX/XXXX  ; how are you doing? Listen, I'm really shocked that I'm reaching almost 90 days counting on the last dispute that i sent to both the creditor and credit bureaus base on the way this account is reporting but yet they've failed to respond. There is absolutely no way that this can take this long, despite the fact that we're facing COVID-19. Impossible! It also continues to report incorrect dates of last active, dates of last payment, 1st date of delinquencies, etc. It's not right! I was told that the account needs to report 100 % accurately according to the law and it also needs to be verifiable! This account is not verifiable and it's incomplete. Again, Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-06-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (IL)

I am new to credit and recently went to apply for a vehicle and they stated I have a collection on my credit report. I need this looked into and taking off my credit if they can't prove I owe this debt. 

This is greatly hurting my credit. 
Thanks
Consumer complaint received 2020-06-19
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)

Complaint XXXX was sent back saying they needed attached items. I will include attachments to show this is me and I need complaint sent to Experian! 


I am a victim of identity theft and I am trying to correct the inaccurate, incorrect and misused information on my profile multiple times, how they are refusing and claim its verified. 


( Its there job to prove the account is mines or not )
Consumer complaint received 2022-11-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2022 {$12000.00} I Called my Bank of America on XX/XX/2022 to tell them that {$12000.00} was stolen from my account using XXXX. Today XXXX they sent me a letter saying my claim can not be honored, because it showed that the amount was transferred from a device that is consistent with previous valid account and that transaction was validated using an authentication code sent to a valid phone number. I have no clue how this happened. I believe my computer was hacked and that the person logged into our bank account put his name on the XXXX  list and transferred himself the money. I got the email as soon as the transfer happened and I contacted my bank to put a stop to it ; however I was told that it can not be reversed.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX  on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law.  Experian, XXXX, and XXXX and XXXX XXXX XXXX XXXX are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX  and XXXX XXXX XXXX ) have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, Equifax, and Transunion and XXXX XXXX XXXX XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA youare required to. Experian, Equifax, and Transunion failure to positively verify these accountshas hurt my ability to obtain credit.
Consumer complaint received 2023-03-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC (CO)

Requested a Fobearance on XX/XX/XXXX, was looking sell my house and purchase a new build ranch style home because I am disabled. On XX/XX/XXXX had credit report ran by XXXX XXXX XXXX  who notified me of this I have been disputing this and Im getting no where and records show two different for race date Im being run around in circle, Im being told lies on when to call back and this has really damaged my credit I can even do anything which what has happen. They set up an auto pay without my consent and I had be paying during forbearance to get caught only to be this I was overpaying during this forbearance. 
Please help I alone in this, do I need an attorney?
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG HOLDINGS INC (PA)

Like in XXXX or XXXX Aprox I dont remember a exact date. I bought a bedroom set for my new apartment. When I knew The account was almost paid off I called the company so I could pay off all my account. They gave me the exact quantity of how much I owned them, I paid, The next day the were charging me the same amount I had payed the day before. I told them. How is that? He just told me, Im sorry he just made a mistake. It wasnt the first problem I had with them. For weeks I tried to log in in my account to see my account balance and I couldnt not. I contacted for help but they even never got me to log in to my account. I am on my right to think they were just scamming trying to get my money. I made a a dispute and XXXX  deleted the report, but they posted it again, I made another report, they deleted it and after a year it appeared again. But this time XXXX  didnt paid attention to my report.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

In XX/XX/2022 I noticed that my credit score had dropped, which is unusual because I've had a perfect credit report for more than 7 years. I looked further into this to see that an unauthorized charge went unpaid on my Citibank credit card that I don't use. Because it was a late payment, I had late fees roll over and Citibank reported this to the 3 credit agencies. I called Citibank to dispute the charges, and they agreed to remove the charges and late fees ( see attached credit statement showing my balance return to {$0.00} ). However, Citibank is still reporting to the 3 credit agencies that I have a 60-day late payment, which has negatively affected my credit almost by XXXX points. I have tried to dispute this with Citibank and all 3 credit agencies two times, but this is remaining on my credit report, which has an incredibly negative impact on my financial life. Citibank is claiming the information is correct, even though they already refunded me the unauthorized charges and late fees. Because these unauthorized charges and late fees were refunded by Citibank, this should also be removed from credit reporting and return my credit to its previously excellent standing.
Consumer complaint received 2020-06-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In addition to my existing complaint is the fact of a 64 point difference between transunion and XXXX. Please explain this to me and millions of other consumers that I am sure have the same issue. This will all be shared on XXXX. Potential creditors don't/wo n't wait for ALL of the unreported info to catch up to date. A 64 point difference is an injustice to me and my good credit as well as anyone else. If these agencies don't have up-to-date information at any given date a " credit report '' is pulled how can they have any accuracy in their reporting. There is no wiggle room in ACCURATE, it either is or it isn't! Either you have the ability to have ACCURATE information on a daily basis or you don't. If you don't, then you shouldn't be allowed to be the determining factor in an individuals credit worthiness. As an American Veteran trying to stay physically and financially fit I wonder how many other Veterans are feeling my angst.
Consumer complaint received 2022-09-26
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. (PA)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-06-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (FL)

I paid off this loan at least a year ago and I was looking at my credit but noticed this loan had a balance which it shouldnt I log in to my account it says I have a balance due now when before it said nothing was due. I paid them over 8k and paid on time and paid off the loan. I called them and asked them where this new balance came from. They claim it was from me extending one of the payments during my loan period. My question is why did it take a year to all of a sudden pop up on my account when I paid off the loan. And furthermore I have not received a single piece of correspondence from them saying I owed anything not a phone all or email or a letter. Something is not right with this. Seems very shady I asked them to waive the fees due to how this was handled and they really dropped the ball they were rude about it and are refusing.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Consumer complaint received 2019-12-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NY)

I opened my account with BBVA bank on XX/XX/XXXX & deposited with them {$16000.00}. Their interest rate was good & they promised a {$100.00} bonus if an account was opened before XX/XX/XXXX, maintained a balance of {$10000.00} on XX/XX/XXXX & XX/XX/XXXX. I was advised that the {$100.00} would automatically be deposited to my account. On XX/XX/XXXX, I called the bank to inquire about that deposit as it was not done as promised. I was given a complete run-around, then told they would do it within another 90 days. This was not acceptable & I asked to speak to a manager. I was told that that person would call me with 48 hours. Since it was Friday, I told her that if I did not hear by the following Tuesday, XX/XX/XXXX, that I would take further action. company.
Consumer complaint received 2023-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AE)

15 U.S. Code Subsection 1681c-2 states that a consumer reporting agency must block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving such information. However, it has been 30 days, and you are currently in violation of this law, as I am a victim of identity theft. I request that you immediately delete these items and provide an updated copy of my consumer report for confirmation. Account ( XXXX ) XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX and XXXX XXXX XXXX Account ( XXXX ) XXXX and XXXX XXXX XXXX Account ( XXXX ) XXXX and XXXX These accounts should not be included in my consumer report as they are in violation of the law.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (DC)

I refinanced a mortgage with a different company and the title company sent wire transfer to payoff existing mortgage confirmed receipt on XX/XX/XXXX. Amount exceeded mortgage payoff by XXXX ( as estimated by refinance company ). Original mortgage company determined the excess and is withholding remitting the overpayment to me for 21 days arbitrarily stating CFPB policy requires them to hold the funds for 21 days in the event the bank reverses the payment yet wire transfers do not have the same 21 day reverse window that other payments like personal checks have. Therefore Caliber is withholding XXXX for 21 days unnecessarily and refuses to send funds any earlier. State at 21 days they will then " mail '' a check to me by regular postal mail only which gives them even longer to hold my money interest free. Even if you can not resolve this for me personally, I believe mortgage companies obviously need even stricter regulations to prevent them from abusing the consumers by withholding substantial funds for extended periods to further enhance their profitability and cash flow at the expense of the consumer. Thank you.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TN)

I have had a XXXX XXXX XXXX for several years. Recently my health was compromised by XXXX XXXX and I have and was affected by XXXX XXXX for several months. 
I requested with my mortgage servicer mortgage assistance and a Forbearance under the Cares Act. Spoke with Customer Service XXXX to inform them my house is listed for a property foreclosure sale XXXX, I ask if the forbearance had been approved. I was told because my mortgage was not one of the mortgages that was included in the Cares Act. Also the Cares Act has postponed all property foreclosures sales until XXXX as I have read on the government web site that all mortgages were eligible for the forbearance. I feel my mortgage servicer is unwilling to work with me. 
They are discriminating against me because of my XXXX I've been trying to get mortgage assistance for several months. I don't want to lose my home.