davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NE)

On XX/XX/XXXX, records from The Money Source , Inc. ( TMS Inc. ) show they issued a disbursement from our escrow account for {$1000.00} to XXXX County for XXXX property taxes. However, according to the XXXX County Treasurer records, this disbursement was never applied to our parcel. 

In XXXX of XXXX, we were made aware that our taxes had not been paid. So we paid {$1300.00} ( {$1200.00} Original Amt + {$110.00} Interest/Fees ) directly to the county from our personal account on XX/XX/XXXX to bring the property in good standing. 

On XX/XX/XXXX, records from TMS Inc. show they issued a disbursement from our escrow account for {$1500.00} to XXXX County for property taxes. This record is in agreement with the XXXX County Treasurer records, and shows it was correctly applied to our parcel correctly. 

On XX/XX/XXXX, I called and spoke with a representative from TMS Inc. notifying them of the discrepency in the disbursement they claim they made on XX/XX/XXXX to my parcel from our escrow account. I informed them that the XX/XX/XXXX disbursement for {$1000.00} was not showing on my parcel and that I would like to know what happened to those funds from our escrow. They took my information and concerns down and told me to call them back on XX/XX/XXXX to get an update regarding the matter after they had completed an investigation. 

Middle of XXXX : Receive Escrow statement from TMS Inc. stating our escrow account has a shortage. 

On XX/XX/XXXX, I called TMS Inc. to get an update on the matter, and was told that the XX/XX/XXXX disbursement for {$1000.00} was actually applied to an unrelated parcel that has a very similar address to my parcel. They informed me that they would contact XXXX county in an attempt to get the funds back. During this call, I was informed the process could take up to 6 months, and had no guarantees of successfully refunding the incorrectly applied funds back into our escrow account.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

Throughout my history with this account, I've consistently maintained timely payments, preventing any instances of overdue payments. I'm uncertain as to why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX there is no XXXX  party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2022 & XX/XX/2022 I was notified by all three XXXX that MIDLAND FUNDING LLC XXXX had increased the balance of the account XXXX times from {$6600.00} to {$6700.00} without reason. This is an old collection account and should not have any further balance. I have attached screenshots from my credit monitoring service.
Consumer complaint received 2021-11-09
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. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to XXXX5 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. XXXX, Equifax, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank (GA)

first progress credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.
Consumer complaint received 2022-05-13
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. (NC)

My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.
Consumer complaint received 2020-12-18
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: Convergent Resources, Inc. (FL)

On XXXX XXXX, 2020, CONVERGENT OUTSOURCING add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2020-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc. ()

I received a message from coinbase saying that they think I logged in from XXXX and they asked for some identification. I provided my documents which shows that I am a XXXX  citizen in the XXXX. They told me that they would review my account within 4/5 business days and they would get back to me. Five days gone and they dont even answer anymore. I read peoples comments with similar issues and I realised my funds could be locked away from me for ages. I hold just less that XXXX XXXX in my account and I have no access to them. The fact that they kept me uninformed is so frustrating and I would like to make an official complaint. Please help if you can. My case number with coinbase is XXXX. Thank you.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is 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.
Consumer complaint received 2020-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have tried numerous times to get inquiries removed that are not mine or not authorized by me an di keep getting the run around from transunion. I have called all inquiry that show on my report that arent mine and they will still not do anything and transunion will not either.
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

yes bank of America has been taking fees of XXXX dollars out of my account XXXX because they stated I no longer had a mortgage with them but then they lied to my wife who is on doctors order XXXX  as she is taking XXXX and I am XXXX XXXX XXXX due to the fact she had to go on XXXX they falsely charged us over XXXX in fees for maintenence after we refinanced but still have other accounts with them credit card and other checkings. I tried to resolve this with them several times and there excuse is they can go back only three months. My wife is a XXXX  her XXXX is not good and her XXXX treatments.
Consumer complaint received 2022-10-19
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (VA)

I am a customer and does business with Bridgecrest as my credit report shows. I have viewed my credit report and noticed a few errors and FCRA violations with Bridgecrest reporting. I have personally attempted to fix this matter verbally with Bridgecrest and i also tried to fix this matter via the consumer reporting agencies ( XXXX, and XXXX ) in which from the consumer reporting agencies they assured me that it was validated and correct and XXXX percent accurate which in fact it is not. Bridgecrest is showing late payments on credit report for XXXX, XXXX. it shows the months and years of XXXX XXXX late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The issue with that is Bridgecrest have violated my rights per the FCRA XXXX, it states if any financial institution that extends credit ( which they in fact extended me credit per my credit report ) and regularly furnishes negative information to such agency ( agencies are XXXX  XXXX, ) regarding credit extended to a customer ( i am the customer ) the financial institution shall provide notice of such furnishing of the negative information in writing to the customer. Well i have never received any such written notice from Bridgecrest. Late payments are in fact negative information. The allotted timeframe for such notice has come and gone. My life as well as my XXXX XXXX XXXX are being affected by this reporting. I do understand that in regards to violations of the FCRA that XXXX XXXX of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. Which there have been damages done to me, i have been denied extended credit, increase in interest rates, judged upon based on this credit reporting i mean this has completely stressed me out. What i am requesting is that Bridgecrest update remove and update all late payments on my account with them on their file as well as with the consumer reporting agencies ( XXXX, XXXX, ) to remove the late payments and update them to paid on time and paid as agreed and that they follow the laws in which they are to abide for the better being of their customers
Consumer complaint received 2022-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONCERT TICKETS. NEVER RECEIVED TICKETS AND BLOCKED VIA XXXX. 

XXXX - filed dispute with Bank of America ( case number XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NUMBER : XXXX XX/XX/14 - DISPUTE CLAIM DENIED. Called BOA and was denied reopening my scam case.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXX XXXX Dispute once again submitted non XX/XX/XXXX completed on XX/XX/XXXX Confirmation number : XXXX that very dispute had every single credit card statement attached in the dispute ( 20+ PDFs ) detailing payments made XXXX how much etc. attempting to get this account once again reporting accurately as its only reflective of 16 months on an account over 24 months old. Not only did you not update the account it states it was updated yet its not. 

Ive stated now at least 10+ times theres issues wuthin equifax side of things causes information to get deleted as Im about to show you in tbe strach document how this accounts reflects month to month. But since XX/XX/XXXX this very issues has been ongoing whuch Ive spent countless hours submitting request via disputes to fix this. Ive requested your assistance multiple times which had never been provided or even had the team who works escalated tickets reach out to me via email as I was told. ( Given an escalation number- XXXX back in XX/XX/XXXX Thsrs never been addressed )
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-05-13
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. (NC)

My debt with XXXX XXXX XXXX should be not listed as a charge-off. Instead, the deficiency of the auto loan should be listed as a part of the 2018 bankruptcy discharge. This debt originated/predated the Chapter XXXX conversion date of XX/XX/2018 and for that reason, the debt was discharged. Therefore, the trade line is required by law to reflect that. The docket from the bankruptcy court is attached. Please make the necessary updates to the tradeline reports to reflect the debt being discharged as a part of the bankruptcy. Failure to do so will result in potential bankruptcy litigation based on this apparent violation of the Bankruptcy Discharge order as well as FCRA litigation in Federal Court. If you have any questions, please contact my bankruptcy attorney, XXXX XXXX of XXXX XXXX XXXX.
Consumer complaint received 2020-12-18
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: Experian Information Solutions Inc. (FL)

I paid for membership to experian account XXXX, XXXX. 
The employees procrastinated and stated criminal offensiveness accessorizing to a side or preadvisory by which they uttered a derivative to a result that inflicts to euphoria sensation degrading, and to XXXX slurs which supported their empowering to an offender defrauding my identity while defamtive, and the rep used willful opposition, delay, obstruction to not be a prompt and dire attribute to stop their defrauding by the information they supplied by phone transpire which exposed they possess material information that stages a protocol that chose a fixed outcome that defrauds my valid identity XXXX XXXX XXXX XXXX XX/XX/1980 and that they record data that is aiding the scrimmage they chose for an offender which indicated evidence they are against my identity which is experian fraudulent action as well the impeding to do nothing towards the murderous transpire to a premeditated murder to me by defamative force they devised which they upheld by the offensive willfull utter that is degrading and abusive demeanor and criminal misconduct. Please shut down experian and attribute only 2 credit bearuas since experian operates in lack of bona fide ability, and willfully choose fraudulent murderous crime and robberous violence exposing they are not monitoring anything they pitch that they contracted, and that they do not offer insurance or protection no matter how people feel which is not attributable if they can not recognized the murderous deadline that murders me, as well the inability to supply employee record to reach which employee chose terroristic crime and deragafrauding my true and factual basis only valid identity XXXX XXXX XXXX XXXX american XXXX nationality.
Consumer complaint received 2022-12-14
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. (MA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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 Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (NH)

I have been getting calls at least 2x a day from. Comenity in regards to my XXXX account. Not only are these calls excessive, I have told someone contacting me by email is best since my cell phone speaker barely works and I can never hear anyone. 

This morning ( XX/XX/2021 ) I had missed a phone call at XXXX XXXX, after I returned the call the agent I spoke with was very rude and talked over me. After we got to the root of the problem, she offered to put me into their hardhsip program. I asked for a call back as I was getting my son ready for daycare and she replied with " but you're the one who called me '' so I hung up. Then not even half an hour later I get another call where the gentleman barely knows what is going on, and as I'm trying to explain I was just on the phone and the lady didn't care, he was also talking over me. I asked him to let him speak and he continued to talk over me. If your agent would like to continue to be so ignorant, so be it. I will NOT be making payments over the phone with these idiots and I am requesting a do not call to be placed on my account. If the do not call is not placed on my account and I continue to receive calls, I will be going another route as a CFPB complaint clearly holds no meri to you. As someone who also works closely with consumers, I find this representation of your company absotlely horrendus.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within XXXX business days.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-10-19
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

We have been waiting for someone to fix our VA loan.We went into forbearance during COVID. In XX/XX/XXXX, we went into Loss Mitigation. 

All we get are apologies, but now someone took us out of loss mitigation! Now we are faced with losing our home. 

This is not right. 

We have continued to call every 2 weeks and are told our mortgage will be fixed. 

Can someone please send us the correct paperwork that honors the attached letter in our file? 

We can then begin paying on our home. 

It is extremely upsetting that nobody seems to know what to do. Yet, we get phone calls demanding we pay all of the monies from the forbearance. 

Please please fix our loan and honor the XXXX XXXX rate we have been waiting on since XX/XX/XXXX. The agreement letter is in our file and dated XX/XX/XXXX. Yet, the papers we are to sign have not been sent. 

We simply need someone to send us the correct paperwork to sign.We are told it was the fault of the VA. Then, we are told the company is short staffed. Nobody seems to know what is happening every time we talk to someone. The mental anguish and stress is upsetting. I'm currently XXXX from a XXXX XXXX  and now undergoing treatment as a late onset XXXX  XXXX XXXX. We don't need to stress of potentially losing our home. 

Please get this fixed. We have complied with all requests and yet the correct paperwork has not been received. All we are asking is that the letter dated XX/XX/XXXX and uploaded into our account on XX/XX/XXXX be honored. Then, we can begin paying our loan. 

Thank you
Consumer complaint received 2019-04-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (CA)

On XX/XX/19 I sent a letter asking them VALIDATE AND VERIFY this debt that I " owe '' and all I received back is COPIES of some contract from " XXXX XXXX '' with NO SIGNATURE or ANY AGREEMENT whatsoever and something pertaining to APARTMENT XXXX not XXXX my real apartment number.. 

This debt is INVALID and not VERIFIED NOR VERIFIED whatsoever.