davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (GA)

I am contacting you to dispute a collection account recently placed on my credit report by National Credit Adjusters in the amount of {$1500.00}. This account should not have been placed on my report by National Credit Adjusters because the Circuit Court of XXXX XXXX, Missouri judged in my favor and NCA agreed that debts held by them were to be canceled and that they were to cease and desist with all further collection activities. They have violated a court order by attempting to collect this debt and I would like this account to be removed from my credit report. 

Also this collection account just " appeared '' on my credit reports without any notification from NCA or XXXX XXXX, and I was given no opportunity to dispute this account prior to it being put on my credit reports. Also this debt was reported to each credit bureau by NCA 3 different times in a 5 week period. I have included the court order/judgement with this  correspondence.
Consumer complaint received 2020-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (AZ)

I had an incident with XXXX that was identity theft. I resolved it with XXXX and they did find that it was identity theft and I do not owe the debt and provided me with a letter stating that the collection agency was to remove the debt from my credit report on XX/XX/2020. After notifying Franklin Collection Service of this and providing them a copy of the letter they sent me a letter back stating that they validated the debt which is obviously not the case on XX/XX/2020. Since then I have sent an additional letter to the credit bureaus on XX/XX/XXXX but they came back and said that the furnisher is reporting this information correct even though I again sent a copy of the letter requesting that the inaccurate information be deleted. I am now sending another letter to Franklin Collection today via certified mail prior to commencing with a lawsuit.
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

looking at my credit report noticed it contained some errors relating to my addresses and file accuracy I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please delete/remove the following Addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2022-12-29
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)

Bank of America denied me of an home equity loan {$25000.00} when I the creditor was exercising my right in good faith with the Equal Credit Opportunity Act ( Regulation B ). When the denial letter was delivered it also stated the Discrimination against me by Bank of America due to them using information of my credit from an agency and not a bureau. I provided them with the signature and social security, etc. and upon request my credit should be given to me and not denied. This was explained to several of the home equity loan supervisors but they continue to discriminate against these laws. Adverse action letter was sent XX/XX/2022 at XXXX by financial manager XXXX XXXX XXXX but these laws are still not complied with by Bank of America- 12 CFR Part 1002 ; 12 CFR 1002.7 ; 15 USC 1681m .
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-28
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. (FL)

Good morning! In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Your are violating my rights with incorrect information.
Consumer complaint received 2020-04-04
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: Experian Information Solutions Inc. (WI)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX  Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}
Consumer complaint received 2022-12-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank of America credit card was stolen from me while I was at the gym on XX/XX/2022. There were two unauthorized charges from XXXX XXXX that day : one of {$1800.00} and one of {$520.00}. The {$1800.00} was denied, while the {$520.00} charge went through. Same store, same day, same time. I did not realize my card was stolen until I got home hours after I came back from the gym, but had already cancelled my card and filed a fraud claim right away as soon as I received a text from Bank of America saying that a charge of {$1800.00} was denied. Initially, I thought my cards information was leaked and stolen that way because I was a customer of a subscription service that had been hacked very recently ( XXXX ), so that what I initially wrote down as suspected reason of fraud. Immediately after I realized my card was stolen from my wallet, I updated my claim, filed a police report with the XXXX XXXX XXXX Police Department, and supplied the report number to Bank of America. Every step of the way, I was also in contact with people from my gym who would be assisting with the investigation. The police detective and I had follow up calls and messages to confirm my story. I was even subtly reassured every step of the way by Bank of America employees that this should be fine, especially considering the other charge did not go through and it was on the same day, at the same store, and around the same time. I even temporarily received a credit on my account for {$520.00} from Bank of America before they took it away.
Consumer complaint received 2019-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

From XXXX through XXXX I have had multiple late fees charged to my account. During that time I was informed ( via phone conversation ) I could schedule automatic payments regardless of the due date, and was informed that it would not affect my account. Within the past 6 months I have requested a copy of my phone records and was denied them ; Navient indicating that they do not provide those. I was attempting to find out who I spoke to regarding the automatic payments. Through the life of my loans I have had nothing but misleading information.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

All credit Bureaus are required by law to ABIDE by the Federal Credit Reporting Act. By law all three credit bureaus are required to share information, so ideally, all three should be equally accurate. By examining and comparing Experian and my XXXX report Experian obviously is not in compliance with this law because Experian is reporting inaccurate information. Therefore, Experian 's information of my credit needs to mirror XXXX! As PER LAW!!
Consumer complaint received 2020-03-25
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: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, Suntrust Bank purchased my mortgage from XXXX XXXX. 

On XX/XX/XXXX I received multiple alerts from my credit monitoring services that I had received a hard inquiry on my credit report. This was performed on XXXX  XXXX  XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, IA XXXX ; XXXX ) on behalf of Suntrust Bank ( XXXX XXXX XXXX, XXXX, VA XXXX ; XXXX ). 

On XX/XX/XXXX or XXXX I called Suntrust Bank ( XXXX ) to report what I believed to be a fraudulent pull of my credit report. Suntrust Bank mailed a letter dated XX/XX/XXXX indicating that they were investigating the report ; Suntrust Bank mailed another letter dated XX/XX/XXXX indicating that they researched my account and found nothing wrong. I also received a letter in the mail dated XX/XX/XXXX " Notice to Home Loan Applicant '' with Suntrust and XXXX  's contact information and my credit scores. 

I called Suntrust two times on XX/XX/XXXX. On the first call, Suntrust 's mortgage department told me that I would need to take this up directly with the credit bureau. I called XXXX  who told me I needed to request a " letter of deletion '' from Suntrust or my local police station. I called Suntrust again on XX/XX/XXXX and the individual I spoke with indicated that they did not have a record of pulling my credit in conjunction with my existing mortgage, but that I should talk to their loan application department to see if there was a loan application there. 

I then proceeded to call XXXX XXXX XXXX directly, and they told me that I'd have to request the letter of deletion from Suntrust, but that they were requested to pull the credit in conjunction with my existing mortgage with the " loan number '' aka my existing mortgage with Suntrust, the same loan number that Suntrust denied that any credit pulls were associated with. 

At this point, Suntrust is still refusing to admit that they performed a hard-inquiry on my credit report, despite it being reported on all three credit reporting sites and confirmed by their servicer, XXXX XXXX XXXX.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and  this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have disputed multiple accounts that have been removed from 2 other credit agencies however Equifax has not resolve or removed the 2 accounts that should be one based on the confession of the companys error. Equifax and is ALWAYS the last to update credit updates and changes they take above and beyond to post collect information I am extremely upset with this agency they make it extremely hard to rebuild credit and they do not follow timely guidelines.
Consumer complaint received 2020-04-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Specialized Loan Servicing Holdings LLC (WA)

Our Mother, that passed away, had a loan, line of credit, with XXXX  XXXX XXXX that was sold to SLS Servicing Loans. 

Our mother loss her XXXX  ( source of income ) was in and out of the hospital before passing away in XXXX 2019. 

All of this happened in the span of 7 months. Back to back it was something and she failed to pay on that loan. 

When she. passed we took a month to process. We collected her bills and reached out to SLS to have the validate the debt. 

During this time they continued to send 3-4 letters with interested added while we had to submit paper word of being an executor of the estate. 

Then ocne we ere able to access her files they continue to send more letters and added more interest and still no proof of debt owed. 

When it was validated we then applied for Mortgage Loan Assistance to get our options and reduce the interest. 

They then sent an attempt to foreclose from a lawyer. 

During this time we had continued to find out by calling weekly about further documents need even when online it would state something else. Also every time we called it would be something different needed. They only way we would get status updates if we called or checked or mail which would also take long to receive. 


Now we logged into our account an our application is gone and more interest has been added. 

We are proactive in trying to settle this with no proper communication on what do moving forward. 

Not one person has been consistent in assisting us. If it was not for COVID19 we believe they would try to foreclose on us. 

We just want all fees and interest since her passing reduced.
Consumer complaint received 2024-01-03
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 recently checked my credit report and noticed a few fraudulent accounts, inquiries, and address reporting on my credit file. Ive been dealing with this issue for a good while now. Back in XX/XX/2023, i contacted the bureau regarding these issues and still nothing. I am extremely upset and frustrated because i am trying to acquire a home for me and my family of XXXX but these fraudulent accounts and inquiries are hindering me from doing so.
Consumer complaint received 2021-09-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC (ND)

I received a loan from this lender on XX/XX/2021 for {$1000.00} at an annual interest rate of 392.58 %. After I make all payments I will have paid {$2900.00}. I needed the loan at the time to pay urgent housing-related bills to maintain my family 's health and safety, and in my desperation agreed to an usurious interest rate that should be illegal. I have made six biweekly payments of {$160.00} for a total of {$980.00}. On XX/XX/2021 I will make another payment of {$160.00}, bringing my total paid toward this loan to {$1100.00}. After I make the payment on XX/XX/2021, this lender should close my account as paid in full. {$1100.00} would be the total principal paid back plus {$140.00} in interest, which would be a 50 % annual interest rate.
Consumer complaint received 2020-03-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

On XX/XX/XXXX, Mr. Cooper validated loan number XXXX with a " promissory note '' XXXX that was satisfied from the proceeds of a foreclosure sale on XX/XX/XXXX, that was secured by the " Deed of Trust '' XXXX that was foreclosed.
Consumer complaint received 2020-04-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (CA)

I made an international transfer 1 month ago through the Remitly app and the app shows that the money was sent, but in fact, the money never get in the bank account that I had sent. With a lot of difficulty, I finally had contact with the company through their chat, and talked for hours with one of their attendants who said that the company would contact me from 24 to 48 hours business, it has been 3 weeks, nobody from the company has contacted me so far, and nothing has been resolved, my money has not been returned either.
Consumer complaint received 2020-04-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (SC)

During the corona virus my mortgage company is only giving us one option for our mortgage payment. The only option is to file a forbarence and when we return to work they will add the amount to the existing payments til it is paid off. I can not afford to raise my mortgage payment and Im out of work now. They wont even speak to us its a recording and what I can find on their website. The company is called loancare llc.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I followed the TD Banks instructions to close my account, emptied the account and called them. They are saying that they are locked out of my account on the phone, that I should send a secure message through the app. I did that. No answer for two weeks. I tried to go to a branch but they are appointment only. Their online queue system for appointments dropped me. Someone did call be about resolving my issue but then never followed up. I'm at a loss.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX