davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (AZ)

Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.
Consumer complaint received 2019-09-22
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. (CA)

XXXX XXXX XXXX ( XXXX ) reported wrong information on my credit report stating I had a late payment for 30 days. I have never got any letter, call or communication from them stating I am behind in payments. I always made my payments on time and was really surprised or stressed seeing this wrongful information in my credit reports. I contacted XXXX XXXX telling them to check their information and delete this wrong report but they stated they are unable to do anything about it. I am a responsible U.S. resident who works and pays his bills and taxes on time. This fact made me stressed and I want the Government Agencies to help me to overcome this hard situation and clean my report from these mistakes and make my life better. Thank you for your support and understanding.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Notice to all in fact, pursuant with title 15 of the US constitution I am a consumer. The United States is a Corporation pursuant 28 usc 3002 ( 15 ) and I Am a consumer of this corporation. As a consumer I have never signed a contract or PROMISSORY Note with the company XXXX XXXX XXXX. I believe them to be a 3rd party debt collector which means they must operate once 15 usc 1692 the Fair Debt Collection Practices Act. I demand to see proof that XXXX XXXX XXXX  is in fact the owner of any alleged debt they may claim I own, I am formally requesting a receipt of. purchase giving them authority to collect this alleged debt. Pursuant 18 usc 8 ANY and ALL bill and certificates of indebtedness are the obligation of the United States the corporation not me the consumer. I also have never given written or oral permission for this item to be furnished on my consumer reports which is a direct violation of 15 usc 1681b. Notice in Fact that I am demanding these alleged debts be removed OR send me check in the mail for {$5000.00} for every minute that its been on my consumer report
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I received a notice from XXXX XXXX that my Wellsfargo Auto Loan is showing 30 days past due. I contacted Wellsfargo XX/XX/XXXX to inform them of the error. The representative reviewed my account and concluded it was indeed an error and would forward my account to the credit reporting department to have them correct the error. She stated it would take five days to correct the issue. I waited the 5 days to see if the information being reported to my credit report would be updated within the 5 days as stated and it didn't. I called the representative back XX/XX/XXXX and was told the correction would take 30 days which is not acceptable. As of today XX/XX/2021 I'm showing to be 30 days past due for XX/XX/2021 and they haven't reported to the bureaus any other info such as the correct loan balance. Several items are being reported incorrect. This has caused me to pay additional fees.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING LLC XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$610.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2021-10-12
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. (OR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-12
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. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

The company responded to my complaint XXXX with documentation which has already been provided. I requested for the company to send all records including how the account was acquired including my signature. The company XXXX is not reporting on my credit reports with the three credit bureaus due to my ex-wife opening the account in my name without my permission. My intention was to acquire more detailed records of this transaction so I can pursue further legal action of identify theft since my ex-wife has done this before.
Consumer complaint received 2024-02-27
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: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-10-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (IL)

XX/XX/XXXX I purchased a property at XXXX XXXX XXXX XXXX, IL. XXXX. The lending company was Guaranteed Rate. In XXXX of XXXX I began the process of refinancing my mortgage with another lender. It was at this time that I learned there was a deliquent tax bill for this propery that was due. The property has two parcel numbers. Somehow the lender ( Guaranteed Rate ) didn't pay the tax bill on one of the parcels and there are now deliquent taxes for XXXX, XXXX. I have the warranty deed from the closing that clearly shows 2 parcels which I had to forward to Guaranteed Rate upon their request. I've been working with Guaranteed Rate since XX/XX/XXXX to get this rectified and this is hendering my ability lock in an interest rate with another lender. Also whatever penalties are associated with the deliquent taxes should not be my responsibility nor should my escrow account be penalized due to their over site.
Consumer complaint received 2021-01-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I noticed a fraudulent charge on my bank of America checking acct. It was shown as XXXX XXXX XXXX CHARHED amount was {$510.00}. This charge did get approved by my Bank. The second charge was to XXXX in amount of {$790.00}. My bank did not honor it. However ; both these charges listed that they were through XXXX. I call the number associated with the charges and they did answer the phone as XXXX. how may I help you ... .I explained these two fraudulent charges to the man named XXXX . He said it would take a few minutes to find the charges & investigator and he would call be back shortly. He did call me XXXX. He said that no routing info or CC # was on file for my acct. He then asked me to log into my home computer and put my card info back so he could refund the two charges ( XXXX and {$510.00} ) .... so, yes I should have known better but it was XXXX and I needed that money back in my acct. So I did not use my banking acct & routing info in. As he asked me to do., I only put in my debit card info, he was not happen about that. He did said the money would be in my acct the next business day. So on XX/XX/2021 I started receiving texts from my bank asking me to verify the following charges to process : {$500.00} XXXX XXXX XXXX I immediately called fraud dept at my bank and told them I was not making any charges on my debit card. My bank declined all of them, thankfully .... 
Today I had written done the two companies that said they were to XXXX. One was XXXX XXXX and the second was XXXX XXXX. I called XXXX XXXX  and learned that this happens daily with them ... I looked up FTC and surprised to see that the FTC said they had successfully stopped this scam ... ... but I'm contacting you to let you know that they are alive and well and scamming people like myself everyday. 
I was very angry so I hit return call to reach XXXX at XXXX ... ..He actually answered me. And said he would call me back at XXXX XXXX  and make sure I had my computer on so he could refund my money while I waited. It just so happened that I was I'm my bank when he called. I put him on the speaker so the branch manager could hear XXXX. They told me to contact you guys and that my {$510.00} wouldn't be refunded for 7-10days. I am XXXX yrs young. I get XXXX from Social security and that has to last till next month. That fraudulent charge is almost half my total income. I gave bills to pay and I'm having to call them to tell them the payments will be late this month ... I'm very upset over this, I really should have known better. But when you think your speaking with XXXX I didnt think anything of it ... ..i pray you catch them and throw them under the jail ... ..if you need to contact me my # is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX And that XXXX person read my address to me to make sure he was talking with me. So they know everything about you when you call them ... ..
Consumer complaint received 2023-03-07
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. (CA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

BOA reported payments late while going through housing assistance through CARES ACT. When contacted they said there is nothing wrong and that they don't know anything about CARES ACT I have filed another complaint with CFPB and they seem to have done a real attempt to investigate but turned up wrong information. They claim my relation with HAF has ended in XXXX, XXXX and so my CARES protection has ended than to. However that is wrong, BOA themselves sent me a letter confirming that it has ended on XX/XX/XXXX. That lines up correctly, as the last payment was issued on XXXX, XXXX and my communication with them went on through XX/XX/XXXX. Please see attached evidence.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

I have several complaints to express, and I want to emphasize that I have been a victim of a crime, yet no one seems to care. Once again, I am urging for the removal of the fraudulent entries from my credit report, which were opened without my authorization. Some items have been removed, but there are still numerous remaining on my credit report. Below, you will find a list of the items that need to be removed : XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-07
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. (AZ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LTD Financial Services, L.P. (TN)

The XXXXXX/XX/XXXX XXXX, falsely advertised their apartments. I was pregnant and had a baby XX/XX/XXXX The apartment had mold, nobody cleaned ( roommates ) and the washer and dryer did not work. Its my fault that i did not take pictures to document but i feel like i shouldnt have to pay for this due to the stability of the apartment.
Consumer complaint received 2020-12-26
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NH)

I purchased an item for {$140.00} on XXXX in XX/XX/2020. The item was damaged upon arrival, and the company would not immediately provide a refund. I submitted a chargeback/dispute via PayPal Credit XXXX Synchrony Bank ) later the next month. 

I received a response from Synchrony stating that " After reviewing the documentation, the sales transaction ( s ) appear to be authorized by and/or received by you or an authorized user of the account and we have removed the temporary credit ''. 

I contacted the company via other means to gain a refund. The company which sold the merchandise agreed to a refund after complaints to other regulatory agencies. 

Upon the company attempting to issue a refund, they stated that Synchrony ( PayPal ) kept the money from the chargeback plus an additional {$20.00} fee. They provided a screenshot of the PayPal website showing a reversal of the chargeback on XX/XX/2020 and an additional on the same day showing a 'Chargeback Settlement '. 

It appears that Synchrony has charged me for this merchandise and kept the money for themselves.
Consumer complaint received 2020-12-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently put up a copy of my credit report I saw a bunch of inaccuracies on my reports. I immediately reached out to the bureaus about this issue. I have read online that the bureaus have 45 to 60 days to do a investigation and I have waited patiently. I sent my letter dated XXXX I have still not heard anything back from the From the bureaus letting me letting me know that they have even started on my dispute. I believe this information is in accurate and whatever it has not been validated must be deleted according to the FCRA section 611 please Reech to to them and help me
Consumer complaint received 2021-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

Over the last 90 days I have attempted to have my private mortgage insurance taken off my loan due to exceeding the guidelines and requirements for needing private mortgage insurance. I have exceeded over 22 % in equity Which is a requirement needed to no longer carry private mortgage insurance. I have provided fifth third bank with an appraisal and assessment that was done on XX/XX/XXXX by the Town of XXXX and is also listed as public records via the XXXX County Real Property Tax Services. The first time I sent a written request was XX/XX/XXXX via email to XXXX. They responded that my request was denied because they based the value of my home from the ORIGINAL APPRAISAL that was done at the time we purchased our home in XXXX of XXXX. For whatever reason they never pulled the most recent assessment which wouldve been easily accessible via public records. I then contacted customer service via phone and was told to resend that my written request via email and attach the appraisal assessment that I received from the Town Of XXXX and to reference the most recent XXXX county tax records. I have attached both documents below that I also sent to fifth third bank. The most recent written request I submitted was XX/XX/XXXX I was told I would receive a written response within 7 to 10 days and I did not. I just contacted them today XX/XX/XXXX and they are now telling me I need to have a Fifth Third appraiser do the appraisal and that I am responsible for paying for the appraisal. I feel they are trying to make me go through every obstacle and deterrent in hopes I give up so they dont have to remove it. I have provided them with everything they asked and more, to fulfill their request, and complete this process of having my Private mortgage insurance removed and ultimately my mortgage payment would be reduced. This is unfair, misleading, misrepresenting and I feel Ive been severely taken advantage of mentally and financially. Im sure Im not the only customer they have done this to. I have requested to speak to the correct department and they refused to transfer me to a live representative. They tell me that department doesnt take calls. I have asked to speak with a supervisor and they person I spoke with claimed to be a supervisor and there was no one higher than her I could speak with. During these tough times this is the last thing I need to be stressed out about and its cost me nothing but grief and misery during this process.
Consumer complaint received 2021-10-12
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.