davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
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. (NY)

I have been a victim of identity theft due to my personal and private information being exposed in breach. I have since noticed many accounts applications and debt opened in my name that I have not permitted and have no responsibility of or prior knowledge. I have taken actual by reporting this theft to the local authorities and by filing an identity theft report to try to resolve this matter. I have contacted credit bureaus directly only to be told to contact the banks who then tell me to contact the credit bureaus. I need to have this issue resolved and my rights of FCRA to be upheld.
Consumer complaint received 2019-07-22
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: Hunt & Henriques (CA)

I was sued by Hunt and Henriques Attorney firm and they got a judgement to levy my bank accounts. I have never received anything from this company before. The original creditor is XXXX  XXXX/XXXX   credit card. Then XXXX XXXX bought the debt and hired Hunt and Henriques to collect the debt. I received the judgement in the mail on XX/XX/XXXX. It states it was mailed on XX/XX/XXXX. The amount of the debt is {$2000.00}. The Statute of Limitations applies to this case. This account is Time Barred. The account was opened in XX/XX/XXXX. The last payment was received by the company on XX/XX/XXXX.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had been current with my mortgage payments with Bank of America since XXXX, up until early XXXX when, because of financial hardship, I was forced to stop making debt service payments. Before defaulting on my mortgage loan obligations, I approached Bank of America towards the end of XXXX to request assistance under the National Mortgage Settlement of XXXX. According to the settlement, every client who was current with their payments would be able to refinance. But instead of receiving any kind of assistance, Bank of America suddenly and abruptly sold the servicing rights to my mortgage loan to a company called XXXX XXXX XXXX. After this happened, I have not received any kind of assistance or any replies to my requests for assistance. In XXXX of XXXX, XXXX XXXX XXXX transferred the servicing rights to my mortgage loan back to Bank of America. To date, I have not received any responses to my requests for help.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

Barclay originally offered it 's Gold card to XXXX XXXX service members with 0 % APR and waived the {$990.00} annual fee as long as the members were XXXX XXXX XXXX. As of XX/XX/XXXX, slightly less than a year after signing up for the card, I received a letter stating that company policy was changing for service members and that the annual fee would no longer be waived. I was informed that on my next annual cycle I would be charged the annual fee unless the card was canceled prior to that date. While I understand that changing their policy is within their rights, I believe that this was predatory lending/marketing against service members, they advertised one policy and then changed that policy after they got the card member to sign up. In XX/XX/XXXX I received a second letter stating that if I closed the card I would not be forced to pay the balance immediately but could pay over time until the balance was paid off. While this lessens the blow if I close the card I 'm still left with the damage to my credit score that would be caused by opening a new account for less than a year that I would not have opened under the current company policy and carrying a balance with no line of credit.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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. 

XXXX XXXX XXXX XXXX # XXXX There are discrepancies observed in my credit report pertaining to XXXX XXXX XXXX XXXX. The reported last activities differ across Transunion, XXXX, and XXXX, with Dates of XX/XX/XXXX, for XXXX, XX/XX/XXXX, for XXXX, and XX/XX/XXXX, for TransUnion. A notable incongruity is evident in the representation of my payment history. XXXX indicates 8 instances of 90-day late payments, while XXXX reports only 1, resulting in a significant inconsistency. Moreover, there is a variance in the on-time payment percentages, with XXXX reflecting XXXX % and XXXX documenting XXXX %. Furthermore, specific entries in XX/XX/XXXX, differ, as XXXX reports a collection charge, whereas XXXX records an on-time payment for the same period. In light of these inconsistencies, I kindly request a comprehensive investigation into the matter and the implementation of necessary actions to rectify the inaccuracies present in my credit report.

15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681i ( 2 ) ( B ) The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purposeIt is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The problem is, Bank of America withdrew from my Savings account, rather than my Checking account, like they had been. 

On XX/XX/2019 I used BOA 's Bill Pay software to withdraw from my account labeled ESL. Their software correctly withdrew from my ESL Checking account. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I continued using their software to withdraw from my ESL checking account. 
On XX/XX/XXXX, after making no changes, BOA 's software decided to withdraw from my ESL Savings account. 
I had the cash in my Checking account, but not in my savings account. 
Because of BOA 's random decision to withdraw from Savings, the withdrawal failed. And, BOA charged me {$25.00} for their software mistake, and my ESL bank charged me {$74.00} ( two NSF fee 's )
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had two late payments on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof withs records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2023-01-13
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 sent a letter to Experian, XXXX, and XXXX for all delinquency and derogatory accounts. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. Due to the negative items on my credit report it has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or in directly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice from the consumer or reseller.
Consumer complaint received 2022-12-16
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-02
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. (TX)

Account number XXXX Balance XXXX Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Account number XXXX Balance {$310.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXX XXXX XXXX Account number XXXX Balance {$4800.00} Date XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

XXXXXXXX XXXX Account number XXXXXXXX  Balance {$500.00} DAte XXXX This account was fraudulently opened in my name. I have provided the police report and the FTC Complaint and the account still remains on my credit file. 

Address XXXX XXXX XXXX XXXX XXXX TX XXXX This address is not associated with me. I have provided the police report and the FTC Complaint and the account still remains on my credit file.
Consumer complaint received 2022-10-06
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)

This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well their inability to report accurate information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my XXXX XXXX. I am victim of Identity theft and the accounts I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed accounts completely from my Credit report and insisted that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed accounts completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following accounts deleted immediately : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (PA)

I scheduled my payment for XX/XX/XXXX on XX/XX/XXXX to be processed on XX/XX/XXXX via electronic debit as usual. After XX/XX/XXXX I at least received 13 calls that I've found so far between XX/XX/XXXX and XX/XX/XXXX, along with 2 written notices to make payment and several text messages requesting payment. I sent 2 chat messages advising Ally that I had already scheduled my payment and to kindly stop trying to  contact me in early XXXX but the calls and texts kept coming. I escalated my frustration at this harassment and got a call from Ally on XX/XX/XXXX, I returned the call leaving a voicemail on XX/XX/XXXX and haven't gotten a response. They clearly have issues either recognizing payments that are scheduled or just are intent on harassing people, either way, it's highly unacceptable.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (NJ)

I found a loan on my credit report that I knew had been paid in full. On my credit report it is listed as unpaid for the full XXXX dollar amount. I contacted Heartland ECSI and they directed me to their website to print any statements. The problem, however is the most recent statement available on their website is from XX/XX/2017 and in that statement it says I owe the full XXXX dollars. I paid them the full XXXX on XX/XX/2017, however there is no statement after XX/XX/2017 that says my money was received and the balance is XXXX. All I wanted was a form showing the XXXX balance so I could send that to the credit agency and get this resolved. Instead they made me feel like a dead beat. This service company is criminal. They cause immense amounts of stress and overall life disruption with their sloppy practices. This all happens and the consumer ultimately pays the price.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from XXXX XXXX through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (NJ)

In XX/XX/XXXX ( per PayPal ) someone using my identity created an account online as a seller with PayPal. Apparently item ( s ) were sold and then a " charge back '' was initiated by a customer. It appears PayPal paid that individual {$100.00} and charged it to this fraudulent account. Since the fraudster did not pay them they put this into collections with XXXX. I had disputed this to PayPal and they denied my dispute, without explanation. 
In XXXX, I received the first notice from XXXX that this debt was in collections. I contacted XXXX XXXX, a service that was first provided to me as a result of the XXXX breach in XXXX. Together we contacted both XXXX and PayPal to explain this was fraud. We were advised to proved XXXX with a police report and FTC Identity Theft Report as proof of identify theft. That was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX I received the response from XXXX. Letter was dated XX/XX/XXXX and stated that PayPal has rejected my dispute again. They did not disclose any reason why it was denied this second time either. 
Conversations with PayPal have been a series of transferred calls and no communication as to why they have determined this fraudulently opened account was a valid account. 
One day after receiving the response from XXXX on XX/XX/XXXX ; a representative from XXXX was already calling me and asking me when I am going to do to settle the debt.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (OK)

I sent a certified investigation letter to XXXX XXXX on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX XXXX sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to XXXX XXXX stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from ERC stating XXXX XXXX , XXXX has placed your previously disputed account with ERC. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from XXXX XXXX stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

This is a long story, but here it goes. When I first received a call from fed loan servicing the gentleman that called ( XXXX XXXX ) got me set up on what he referred to as the 25 year plan. What he explained was that as long as I made my payments for 25 years straight my debt would be forgiven. He set me up with a lower payment based on my income, family size, wifes incomes, wifes student loans. About 3 months in fed loan contacted me and said my payment was going to triple because the poverty level went up and I received a raise at work. What? Triple?! That seems excessive since my raise was a 6 % raise but payment will go up 300 % ... Then when I tried to contact XXXX XXXX of course he no longer works there. Fast forward three years and theyve double my payment every years since inception. Now its to the point I can not afford it. When I ask if I can see the numbers theyre using with the formula theyre using they say they can not share that information with me. I recertified in XX/XX/XXXX. Im starting the process for my next years recertification and again theyre saying its going to double. Neither mine or my wifes income has changed in two years!!! Again when I ask to see the numbers to justify this increase they claim they can not share that info. They wont even mail it to me! Pearly the whole company is very unethical. When I asked what I can do if I cant afford the payments they say tough deal with. Like that magically gives me more money to pay them. Something has to be done about this business. Can someone please help me recover the actual numbers the used with the formula to determine my payment, because something is not right here ...
Consumer complaint received 2019-07-22
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. (WA)

I have a XXXX XXXX credit card currently in use with a limit of over {$1700.00} and one that closed with only an approximate {$400.00} limit. The open one was almost maxed out so I paid down all but about {$200.00} of it. Transunion was not reporting the pay off of the credit card so I filed a dispute, asking them to update the balance on the card. It was stating I was at 93 % of my credit usage when it should have been more like 10 %. Once the dispute was completed, Transunion reported the account as closed, dropping my credit score over 80 points. I have tried going to their website and requesting an investigation, but the account is not appearing on my credit report. My wife and I are trying to apply for a mortgage before XXXX of this year, which is why we paid a chunk toward the credit card in an attempt to raise our scores. Please help ASAP.