davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Loan Services, Inc. (NV)

I purchased a home XX/XX/2020 and Midwest Loan Services funded the loan. Before the first payment was due they sold the note to XXXX XXXX  to whom I now pay. 
The problem is that they have not reported this to the credit bureaus so I show 2 loans for the same amount on the same home doubling my reported debt and debt to income ratio. 
After a written request in XXXX that produced no acknowledgement or action I reached out by phone and spoke to someone who was rude and disinterested in helping to resolve a simple problem. I was dismissed with the explanation that It would be handled during the month of XXXX. 
It is now safely into XXXX and still no action.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (CA)

Prior to the Coronavirus Pandemic and the Governor 's order to " Stay-at-home '', thus shuttering all non-essential businesses, all known business credit accounts with American Express were in good standing. 

On XX/XX/XXXX Governor XXXX XXXX ordered the closure of all non-essential businesses. As acting XXXX for a legally formed business entity, I phoned American Express on XX/XX/XXXX at exactly XXXX XXXX ( PST ). During this 33 minute call, I made it known that the business I represented had been impacted by the COVID-19 Pandemic. I asked specifically if there were any type of payment assistance or forbearance plans available. The answer I received was, " no '' they had nothing to offer. 

I explained to the customer service agent, that due to the mandatory closure of non-essential businesses, revenue would be interrupted and we would no longer make regularly scheduled payments until the emergency was lifted, and the business cleared to re-open. It was at this time the customer service agent agreed to remove the automatic payments being drafted. At that time point in time, the payment for XXXX had already been posted to the account, and was current and good standing. 

A few days earlier, XX/XX/XXXX the U.S. Congress passed into law, the CARES Act which gave banks and credit card companies strict guidelines for waiving minimum payments for debtors while still accruing interest on their balances. In addition creditors were forbidden to report any new negative activity. 

Within a few weeks after the passage of the CARES Act, I began  receiving ominous calls from American Express. The pre-recorded messages asked me to log into my account to resolve an important matter. However whenever I logged into my Business Accounts, there were no banners or links anywhere on the American Express site to request payment assistance or forbearance. 

On XX/XX/XXXX, I became aware American Express filed a Charge Off in the amount of {$2300.00} on my personal credit bureau profile. The account number reflected was erroneous and made up. I have no record of this debt. 

If however this amount is meant to reflect a business account for which I am the XXXX, then I believe American Express ' attempt to collect should be levied against the business entity. Not me as its employee. 

Furthermore, the CAREs Act is supposed to protect consumers during this pandemic against unjustified negative credit reporting activities.
Consumer complaint received 2020-06-15
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. (IL)

I opened a loan account for a car loan, changed my car within 3 days, and created another loan account for a car loan. I have paidoff my car loan in full, and my experimental credit report shows that the first opened loan account is still in balance. This is bad for my credit score. Please check the information and send the correct information to Experian
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. (IN)

On XX/XX/20 Transunion removed an account from my report that was not mine. That account was also sold to a collection company XXXX XXXX. I have submitted 4 times for this collection to be removed also, but Transunion never does it. It is in violation of the FCRA to have a collection account report when the original creditor has been removed. I don't know how else to resolve this. Please help
Consumer complaint received 2023-03-14
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. (GA)

Equifax 1- Collections Agency Name : XXXX XXXXXXXXXXXX XXXX  THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXXXXXX. 

THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I set up auto-pay for my credit card in Bank of America, the payment option is '' amount due '' in XX/XX/2019, the BOA only charges me the minimum payment {$25.00}, so now it charged me a lot of interest fee ( over {$100.00} ), I tried to call the bank to see what happened, they told me " amount due '' is minimum payment, I should choose " account balance " if I want to pay full amount due. But I double check the payment option in my online banking, there are some options, " amount due '', " minimum amount due '' " account balance '', " fix amount '', I don't think the " account balance '' means statement balance, and anyway, " amount due '' and " minimum amount due '' is confused to customer easily, until now, I don't think I chose the wrong option, " amount due '' means full amount based on public understanding. but the bank said nothing can do to help.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL PAYMENTS DIRECT INC. (GA)

States returned check as account type, I have not used checks nor had a returned check in the amount of {$80.00} or any amount. Asked Global Payments Check to show proof of debt and identity they have not responded and it has been 60+ days. Please assist with removing this from all 3 credit bureau reports.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I spoke with XXXX XXXX back in XXXX in regards to this account not reporting to all 3 credit reporting agency 's. I was told by them that they report every 30 days to transunion however its been well over the 30 days and this account is still not reporting. I spoke with transunion again today XX/XX/2020 and was told the account is not showing. I've had this joint account for over 2 years now with a {$4800.00} credit line with excellent payment history and a zero balance as of now. I am again requesting to please report this card to the credit beaurous.
Consumer complaint received 2024-04-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Auto Trakk, LLC (CA)

Auto Trakk LLC does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch (KS)

The original debt is with XXXX. When my husband lost his job, I signed up with a consolidation debt company to manage the outstanding debt I had. XXXXXXXX XXXX did not wish to participate. My communications with them stated I wanted to pay the debt but make arrangement. When it when to collections, the third-party agent " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX phone ( XXXX ) XXXX attempted to collect. As it is my right under the FDCPA, I filed a cease and desist order under Public Laws XXXX and XXXX. It was sent to, received and signed for a XXXX at XXXXXXXX XXXX XXXXXXXX on XX/XX/2020. 

On XX/XX/XXXX, the courts served paperwork to my husband ( for me ) at our residence. Case is in XXXX County District Court ( Kansas ), case number XXXX. 

It would appear this action was a CLEAR and INTENTIONAL violation of the FDCPA and I wish to submit my claim they indeed violated this. I wish to have the suit dropped and demand {$1000.00} judgments, per the FDCPA law. I would wish to seek settlement with the original creditor.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Glacier Bancorp Inc. (MT)

I receive child support from Montana XXXX XXXX XXXX which can not be levied from my bank account. A judgement was entered for a past medical bill even though I am in the process of filing for XXXX XXXX XXXX  and have retained an attorney, have provided the attorney 's name and contact information and completed the credit counseling my account was still levied and my child support was still taken twice. My bank did not audit my funds to to see if the funds were eligible for garnishment even though I informed them the first time that they were not and did this immediately. They must hold the funds for five days and they refused to correct it either time. they took every cent in my account including all child support and medical reimbursement. They had all documentation because they received the direct deposit from XXXX XXXX XXXX and they have not responded to requests to correct this and have said they have no intention to correct it. I still have not been returned the child support which I rely on to support my daughter. This is through Valley bank of Helena. I talked to XXXX XXXX who is the Vice President and the Fraud department and all of them have refused to correct it and have cleared my bank account out completely without any recourse for me. I have had to miss close to 40 hours of work in an attempt to correct this and my bank account remains overdrawn, my daughter was pulled out of childcare without notice and I could not even buy groceries. These funds are protected by law and they took them without the right to do so on two separate occasions which have caused me significant hardship and caused me to even miss a house payment.
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)

I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in this matter.
Consumer complaint received 2024-06-10
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. (MA)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo charges a Cash deposit processing fee when my tenants deposit their rent in Cash. The last fee was on XX/XX/22 for {$7.00}. I contacted the bank and asked why I was being charged this fee. They stated if more than {$5000.00} was deposited in a month they charge this fee.
Consumer complaint received 2023-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY (PA)

Did not receive notice for interest rate increase and when I called they explained nothing they can do couldnt even tell me when interest rate increase took place and could not negotiate with me could not even look into their own system to tell me. 30 % apr
Consumer complaint received 2020-08-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (FL)

I was seen at XXXX  XXXX  XXXX  in 2020 I have a deductible that is due when I see providers before i am pulled to the back with the doctor I was under the impression that the bill was paid for and I was good to go because they allowed me to see the doctor once my visit was complete I checked out and went home just about a month ago i received a letter stating i owe a balance not that it is going to collections so I explained to the agent i have been affected by the pandemic and could not pay anything at the current moment because i was laid off at my company due to the pandemic of covid-19 they basically stated ok and I never heard anything else going forward on XX/XX/2020 I receive a notification my credit report that a debt had been added to my file by transworld systems for the same exact amount I reached out to see why this was done and that was when they informed me of the debt they pretty much told me that they cant do anything it is either I pay it or leave it this has negatively effected my credit report and dropped my score tremendously they are not willing to resolve it with me or delete it from my report if it was to be paid
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Company is refusing to delete erroneous information from my report and are denying receiving my documents even though they were sent certified. Additionally they are breaking California law statute 641..which says a document put in the mail is considered received. If they do business in CA they must adhere to CA laws. THEY ARE NOT. They are also in violation of California statute 1013.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX   XXXX/XXXX XXXX XXXX partial account number XXXX. XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.
Consumer complaint received 2020-08-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (FL)

In mid XX/XX/2020 we applied for a va refinance with Pentagon Federal. We provided requested information by the end of XXXX including all our financial information a new appraisal and termite inspection. Since the end of XXXX we have been unable to get a status on our application. Since so much time has passed our appraisal and financial information is now stale. Also our interest rate lock has expired and Pen Fed rates have increased. We have been told our original lock rate will be honored but have not yet received any disclosures specific to our loan application regarding a rate extension.
Consumer complaint received 2024-04-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I recently opened a Bank of America XXXX XXXX XXXX card. 
After making purchases I paid off the balance of XXXX on XX/XX/XXXX from an external money market account. 
The next day on XX/XX/XXXX I received an alert from my external bank that a large withdrawl had been made for XXXX. 
I called them and on that day and was told that the XXXX overpayment would be reversed and it would take XXXX days. 
It is now XX/XX/11 and it still hasn't been done. 
I have spent a crazy amount of time on the phone trying to get this done. 
Every time I call I'm told something different. 
When I log in online the XXXX shows as being reversed on XXXX. 
but it still hasn't showed up in my external bank where I'm losing interested daily about {$4.00} a day.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union  or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.