davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (NJ)

My mortgage service companyXXXX XXXX XXXX XXXX XXXX, failed to pay property tax on time and charge interest rate penalty to my account. The tax amount of {$4000.00} was due on XX/XX/XXXX, which should be paid from my escrow account. I have contacted them through phone and online messages since XX/XX/XXXX about the missing payment, and they only paid the tax on XX/XX/XXXX. In addition, they charged {$72.00} interest penalty to my account, and they are trying to escape from it by saying that it is due to a special assessment. I feel this is inappropriate as it was the servicer 's fault that they missed tax payment and in addition their turn around was so slow that it took them a month to pay it, and in the end. This reveals that the servicer has a lot of operation errors.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (IL)

Thank you for your time in reading this complaint. 

I have maintained a Discover Card account since XX/XX/XXXX. I have never had a missed payment. I experienced a hospitalization due to emergency XXXX at the beginning of XX/XX/XXXX and was out of the country for the last ten days of XX/XX/XXXX and the first six days of XX/XX/XXXX. 

Discover maintains that I did not make an autopayment and this is showing as a 30-day late payment on my credit report. I had no knowledge of a missed payment as I received confirmation of each payment. I called Discover on or about XX/XX/XXXX upon returning to the country when I went online to view my payment history and learned that autopayments had not been made even though my payment history on their online portal reflects that the payments were made ( Ex. 1 ). 

I made an online payment for {$340.00} on XX/XX/XXXX and Discover sent me confirmation that the payment was made ( Ex. 2 ). I assumed that the payment was made and that I had no late payments but, unbeknownst to me, Discover never actually debited my bank account even though they sent me the confirmation set forth in Ex. 2. I then made an additional payment on XX/XX/XXXX ( Ex. 3 ). 

I viewed my credit report on XX/XX/XXXX and learned that Discover shows that I have a missed payment. This would never have happened had Discover not sent me an email confirmation that the XX/XX/XXXX payment was made ( Ex. 2 ). I have signed up for paperless statements and expect to receive all notifications regarding my account through email or alerts on my account. I never received any email, account notification or regular mail alerting me that the fund were not actually withdrawn from my account. I relied on their email confirmation and assumed that the amount was paid this was not an autopayment, this was me proactively going online, entering bank account information and making a payment. 
I now have a missed payment on my credit report for the first time. This has caused my credit score to plummet by 60+ points overnight and will have drastic impacts on my life. I would never have experienced this had Discover actually drawn down the funds they confirmed they drew. I relied on this confirmation, was never provided with notice that this was not true, and have suffered harm because of this. 

I have one simple request that Discover have this late payment removed from my credit report.
Consumer complaint received 2020-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX, I received a statement from Comenity Bank/XXXX  with a late fee of {$23.00} for a purchase of {$21.00} back in XXXX. My payment of {$21.00} was sent to Comenity Bank on time and my card was paid in full! I called and talked with numerous customer services representatives, and explained that I had paid the bill, it was sent on time, gave them the check number, explained that my bank statement was showing the check had been cleared, and looked on my copy of check to insure I had put correct account number on it. This was not enough, they wanted a copy of the check front and back from my bank. So, I called my bank and asked if they could get me a copy of my check. Apparently, someone at Comenity Bank ran it through as a debit and not a check ; therefore, my bank did not have a copy of the check. I tried explaining this to Comentiy. they continue to say I did not send the check. At that point, I wrote them a letter, and sent a copy the part of my bank statement that showed where the payment had been made and cleared. Still not good enough for them. Comentiy Bank sent me another letter implying, I did not put correct number on check, not true! My carbon copy clearly shows correct number, and I have already shared that with a customer service supervisor representative. Currently, I am in the process of sending them a copy of my carbon copy, so they can see I did have the correct account number on my check. I am not sure what else I can do, other than pay 3 times what my item cost me. Once I get this cleared, I will never wall in the doors of XXXX or do business with Comentiy Bank again. Normally, I pay my bill in full, and pay on time. There is only one incident that I did not pay the full amount, I looked at wrong section and only paid minimum amount. I did not dispute interest because it was my fault! The bill was still paid on time, I just had to pay interest on remaining balance. What can I do? I have excellent credit and do not want this bank to ruin my credit. I also do not want to pay over {$60.00} for a {$21.00} purchase.
Consumer complaint received 2022-03-24
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. (CA)

Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to XXXX, EXPerian and XXXX : Police Report, FTC Complaint file and number, Notatrized FTC affidavit form, FTC Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, 2 forms of identity, proof of address and a Copy of the FCRA Section 605B! 

I have submitted documents to Experian. here is the tracking number XXXX I have submitted Documents to XXXX. here is the tracking number XXXX i have submitted documents to XXXX here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Experian Collection : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX 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 XXXXXX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2020-03-15
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)

Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX XXXX XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-07-24
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. (NY)

Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thank You.
Consumer complaint received 2022-12-31
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. (NY)

Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-14
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2020-03-14
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-15
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. (GA)

Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX  XXXX  XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Please evidence proof of the alleged debt, including the alleged c
ontract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-03-08
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: CarMax, Inc. (KS)

Hospital and car loan is reporting on my credit report without my permission and I have ask for them to remove but the done keep it on my credit report and its against the law to report any thing without my premision
Consumer complaint received 2021-03-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

My USDA loan is in forbearance. I spoke with the loss mitigation department two days ago. I was told that no online payments would be possible, even though I entered one payment online. I was told that they were awaiting a title to proceed with my loan modification after the COVID forbearance. 

Since then I noticed that my bank account drafted {$1900.00} for the payment they said would not go through. Now my bank account is overdrawn. I still don't have modification details except for the letter from my last complaint dated XX/XX/2021. 

I don't get paid until XX/XX/2021 and have a {$1300.00} negative balance in my bank account from a payment I was told would not process. 

Also, since going into forbearance I've been locked out of most of my online portal with XXXX XXXX XXXX  so for a year had no visibility into my account. Apparently that changed after my first complaint was filed. How many others in deferment is this happening to? Am I the only one who now has access or is everyone in forbearance experiencing this? It's been extremely unsettling.
Consumer complaint received 2020-03-27
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. (PA)

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, Transunion and XXXX are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove  requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2019 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX  XXXX MN XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2020-03-27
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. (PA)

I am a recent victim of identity theft. I am a consumer in pursuant of 15 USC 1692-A3. XXXX, XXXX and Equifax are in violation of 15 USC 1681 ( B ) ( D ) ( G ), failure to delete requested accounts, names, addresses and inquiries, related to identify theft. Please remove requested accounts, names, addresses and inquiries. AN FTC / Police report was submitted XXXX, 2019 and accounts are still reporting fraudulently. 

XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX ACCOUNT # XXXX AMOUNT {$2200.00} XXXX XXXX, XXXX ( ORIGINAL CREDITOR : XXXX ) ACCOUNT # XXXX AMOUNT {$740.00} XXXX XXXX XXXX XXXX XXXXXXXX MN XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2020-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Incident Description I received a phone call that the XXXX people pretended to be national government. They have all the information on my XXXX XXXX ID card and my passport as well. They also know my address and phone number. They said I was involved in criminal activity and they need to investigate my fund. I made two international wire transfer from Bank of America to XXXX  XXXX XXXX XXXX XXXX. I made XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX. I contacted bank of America and their department of wire transfer was closed and they have not tried to recall the tranfer yet. I tried to contact bank of XXXX XXXX XXXX and they said that they can not provide any client information to me. I tried to explain fraud and they said will wait for police action. I tried to contact XXXX police and they only told me to file an online report and the waiting time is not guaranteed. I contacted XXXX and XXXX mainland police and they made me to contact back to XXXX police. Two banks also told me to call the other bank and I was in the loop.
Consumer complaint received 2024-04-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (TN)

NCB MANAGEMENT SERVI Reported : XXXX. XXXX, XXXX - {$3600.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$3600.00} Highest Balance {$3600.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Account previously in dispute - Now resolved by data furnisher Original Creditor Name No Info Closed No Info
Consumer complaint received 2022-12-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (MD)

I never recived any documentation from this debtor about legal actions being taken, debts being sold, or sold receivables being transferred to an affiliation of the parent company. I received a wage garnishment judgment that was addressed to a job I have worked at from XXXX - XXXX although my credit report said the debt was from XXXX. Also, the 2 debtors are the same company for different amounts and I have no idea who they are. I never received notice. I have a notice from the court that service was made in XXXX XXXX, MD to me on several occassions but on the dates listed I was at work in XXXX, MD. 
There is no account numbers listed in a correspondence I found through XXXX or listed in the complaints. Also, the debtor locations from the filings are in two states. One of the cases has a request to reissue a summons filed XX/XX/XXXX.
Consumer complaint received 2020-03-15
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. (NE)

They are reporting my account past due, when is in fact current. I made a payment on XX/XX/20 for {$210.00}. I was advised by the representative that this payment would be updated on my credit bureau report on XX/XX/20. That did not happen and they are reporting the account as past due.
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (NY)

My children and myself were in a car accident. I was not aware of debt prior to going on my credit report as the man who hit me insurance company was supposed to pay all medical debt incurred by accident I have paid three of the four medical debts to attempt to get removed from my credit as this was not my debt. Collection agency has not furnished any summery of debt as well as sending a summery of debt.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

They are reporting my account past due, when is in fact current. I made a payment on XX/XX/20 for {$210.00}. I was advised by the representative that this payment would be updated on my credit bureau report on XX/XX/20. That did not happen and they are reporting the account as past due.