davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the account XXXX XXXX XXXX XXXX - REPORTED TWICE ON MY EQUIFAX CREDIT REPORT,
Consumer complaint received 2019-01-01
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. (MD)

I am furious with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to XXXX XXXX when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I noticed that there are 8 outdated accounts listed on my credit report. I would like for these accounts to be removed by guidelines of the FCRA. The accounts that are listed are very outdated.
Consumer complaint received 2016-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Uploaded XXXX XXXX and Adverse Claim re : XXXX. Alleged " mortgage '' loan by BANK OF AMERICA FSB XXXX XXXX XXXX, BANK OF AMERICA FSB filed at State of California , County of XXXX XXXX Recorder Office XXXX, Document XXXX - XXXX. 
BANK OF AMERICA FEDERAL SAVINGS BANK XXXX XXXX XXXX, XXXX XXXX XXXX, OR, UNITED STATES XXXX knowingly failed to transfer the assets to the trust fund to qualify as a XXXX or a XXXX. Therefore this means that this " loan '' herein is/was in default at closing and the loan is unsecured and BANK OF AMERICA knowingly holds contraband, knowingly failed to pay income tax on proceeds from my Estate and Breached Fiduciary Duty, violated of public policy under XXXX, the Emergency Banking Act of XXXX passed XXXX XXXX XXXX codified XXXX XXXX XXXX.
Consumer complaint received 2021-10-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (IA)

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH COMMONWEALTH FINANCIAL. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2019-06-25
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. (NV)

I initial sent a request to Transunion when I noticed some items that were reporting incorrectly, mainly a Bankruptcy and late payments. I sent my initial letter to Transunion on XX/XX/2019 in which I received a letter back stating that the BK was verified and had been updated which they placed an attorneys name which wasn't my attorney. I sent a SECOND letter on XX/XX/XXXX asking for their method of verification since they verified the information and updated the attorneys information. I never received a response from that letter. I sent my third letter today before I pursue litigation as they are in clear violation of my rights under the FCRA to have a copy of the original documentation for whomever reported this information since they verified this information. I also sent a letter regrading my late payments on two specific accounts. They stated the " late payments '' were verified by the creditors and sent my copies of my balances for 6 months. Nothing again showing where my payments were actually received late. 

I have also made a THIRD REQUEST for Transunion to update my personal information on my credit report and this information as of date has yet to be done. I have sent the verification information such as my drivers license/ SS card on three separate occasions showing my COMPLETE ADDRESS and also my name as it should appear.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NC)

I have received a letter with my credit report from XXXX with false information pertaining to my name and never have I had an alias! That is what this complaint is about. Experian has my middle name incorrect on the name ID # XXXX. This is not my middle name. The name ID # XXXX is the core middle name information recorded.
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Attempted to make a $ XXXXXXXX purchase with a newly received credit card from Capital One. While at XXXX XXXX the credit card was declined. While calling capital one it was told to me it was a fraud prevention block because of the dollar amount. I contacted and verified the amount. The representative with Capital one had XXXX XXXX try it 4x and still no luck. I called again after work and waited on hold for 12 minutes before being hung up on. It was then explained they placed the card into another fraud tier that required a new card be sent out. No correspondence at all to me. When calling and talking to supervisor XXXX employee no. XXXX he had horrible customer service and could not explain the fraud or why I was getting another card. I applied for this card for the points and every purchase that gets me closer to my points is declined. They are unable to fix my points or rectify the horrible customer service. I would have went with the XXXX card had I known.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

I have contacted Midland funding multiple times demanding any and all documents, bearing my wet signature, showing that I have a legally binding/contractual obligation to pay Midland Credit Management {$1100.00}, the payment history, and a breakdown of the bill in question, specifically naming the above company as a person/company entitled to enforce a commercial claim against me ... and my legal demands have went unanswered. I do not know this company. I have no business with this company. I do not owe this company any money. This company has falsely reported information to XXXX, XXXX, and XXXX which has resulted in defamation of my character. Furthermore, this company has created a deceptive image that gives potential & future creditors/employees the illusion that I am in debt or that I am liable for the alleged debt mentioned above.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank (FL)

On XX/XX/2022 I called the SYNOVUS BANK and told them they needed to transfer the money in my account to another account, both accounts are the same bank, but the bank told me that there was no money in my account, but actually I have {$8600.00} in my account and this call took 1 hour and 20 minutes, 3 transfers, 3 different agents, each of whom asked for my information, it was unbelievable, I put my money in this bank for 5 years and they actually told me that my money is gone, although my English is not good, one of the service staff is not willing to slow down her speech, what should I do.
Consumer complaint received 2019-06-25
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. (MN)

The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( two trade lines on my Transunion credit report ), XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive sent a letter to your company last month on the XXXX of XXXX  and i havent recieved any response.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation.
Consumer complaint received 2019-06-25
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. (WI)

I had a fraudulent inquiry on XX/XX/2019, that resulted in a credit card that was approved. I immediately contacted the credit card company and they closed the account and issued me a letter of apology and acknowledged it was fraud. 

I contacted Equifax to dispute the inquiry online on XX/XX/2019. Within a few days, ( XX/XX/2019 ) Equifax came back with " Inquiries are a factual record of file access. '' This can not be true based off of the letters sent to me by the credit card company. 

It is my contention that Equifax did not properly look into this serious dispute. Had they done so, they would have come to the same conclusion as XXXX XXXX and I did -- that this was a fraudulent inquiry and should be permanently deleted from my credit report.
Consumer complaint received 2019-06-25
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. (CA)

This account has been in collection for over 13 years, soon to be 14 years old. It was first held by 12 XXXX XXXX for over 7 years. And then sold for pennies to XXXX XXXX XXXX. This company has held it for more years. This account is as old, or from 2007 till present - over 10 years old - this account should have been closed. XXXX bought this account for XXXX, and ignores the fact that it is already more than 10 years old in collections. This account should not be kept in debt or collection. It is breaking the RULES of LAW in collection. 
XXXX XXXX XXXX {$790.00} I contacted TransUnion but they keep saying there is a glitch, or an error on file. They can't remove it they say. TransUnion is having a problem, or making it. 

This account is over 10 years old in collection. It should have been removed years past, but has not.
Consumer complaint received 2019-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

( case worker ) XXXX XXXX spoke to the modification after receiving my new XXXX XXXX   modification papers as, unfortunately they put escrow into the loan and I pay my own taxes and insurances. Modification dept. agreed for me to pay the amount of {$370.00} which was principle and interest only. I was required to make 3 trial payments which i did. CHECK # 1,2 and 3. I then attempted to speak with my case manager ( XXXX XXXX XXXX to see where the corrected paperwork is. She said it would be coming but I should make the XXXX payment also. i attempted to make the XXXX payment, and asked to speak with my case manager but she was unavailable. XX/XX/19 spoke with another case manager XXXX and was told to make a check on the phone. He made several attempts to do the check on the phone and said they did not go through. he finally assured me that 1 did go through and gave me a confirmation number. the next day I was informed that not only did the 1 authorized payment go through BUT 7 other payments went through costing me {$2900.00} in unauthorized payments. My bank ( XXXX ) paid all 8 checks by depleting my savings account. After taking all my funds I had a negative balance of - {$390.00}. this " mistake '' or " fraud '' also resulted in insufficient fund charge of {$34.00}. XX/XX/19 Called XXXX XXXX who put me on a 3 way call with XXXX and it was agreed that upon receipt of the cancelled front and back of the 8 checks, all would be refunded by over night mail. I faxed all paperwork the same day. i have not received anything yet. I called the next day and XXXX was not available again, so i spoke to XXXX, and after explaining everything told me she sent everything to her contact and would get back to me today. instead of her getting back to me, XXXX called my house 2 times asking for payment. I then called the bank and spoke to XXXX who after telling him my story basically implied I was a liar and said the bank did not call. ( I have caller ID and this can be proven ) then he conveniently tried to transfer me to someone else and " dropped the call ''. this is a continual thing with the customer service just " dropping the call '' and having to recycle through the whole bit again. Bank of America has been continuously dishonest and now XXXX tells me that my refund will not be overnighted, nor will it be 7-10 days, that it may be 10-14 days until I can recover my " stolen '' money. My husband and I need this money as we are now penniless and have no means available to pay for our medications and food. I would appreciate any help in getting this bank to acknowledge their mistake and made a speedy refund of my money. I would also like them to stop harassing me for a payment that was on time and now needs to be refunded before I can go any further with payment. Thank you.
Consumer complaint received 2019-06-25
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. (OH)

I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).
Consumer complaint received 2019-06-25
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. (OH)

I have complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc. (NY)

Nelnet is updating my outdated credit report from 2003. This account has passed its time from reporting and they will not remove it. The balance is on XXXX and its been over 14 year but it continues to update and report as active. I need someone to look at this and verify it doesn't violate my right.
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. (TX)

On XX/XX/2022 I sent a letter to XXXX explaining I was the victim of identity theft including the identity theft report regarding XXXX XXXX XXXX XXXX XXXX in the amounts of {$360.00}, a collection without an amount. It has been six ( 6 ) months and no action has been taken to remove these from my account.
Consumer complaint received 2019-06-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

We purchased our home in XX/XX/XXXXand XXXX was original mortgage servicer. After 2 years, in XX/XX/XXXX, my husband lost his job and we were trying to get a loan modification. XXXX  XXXX XXXX took over our mortgage and we were successful in getting a modification but right after our modification - our loan was sold to different servicers at least a half a dozen times. Fast forward to current and we continue to struggle to pay down the mortgage balance because in the modification change process with all the different servicers, the interest we pay on the second mortgage is 11 % and is set for 50 years! We would never have agreed to these terms!! Our primary mortgage is at 5 %. This was all a result of the initial XXXX  modification but we arent making a dent in our overall balance and we cant seem to get out of this interest rate because it was someway and somehow generated with one of the many servicers that we couldnt keep up with all the different companies to track down which one changed the interest rate and terms. It was only after speaking with someone about this and just my overall frustration with our mortgage today - and that they recommended we report this because this is defined as predatory lending and if there isnt a clear track of all the servicers and the changes, it needs to be reported. Please help us!
Consumer complaint received 2023-04-10
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. (WA)

XXXX has sent me to collection 3 times. Most recently XX/XX/XXXX I was a full time salary employee until XX/XX/XXXX. XXXX is claiming overpayment which is incorrect. 

I thought this was taken care of XX/XX/XXXX when I emailed XXXX XXXX with collection agency. 

I called the school directly after the initial dispute of overpayment to try to clarify with little communication with HR. 

The forms sent to collection by XXXX are fraudulent I do not believe they are the originals. I see on the bottom of pages 16 and 17 " * original lost in mail '' The signature is mine on page 16 and 17 but none of the other writing on it is mine. 
It also does not make sense that I would sign and date it for XX/XX/XXXX and it would be sent to payroll on XX/XX/XXXX Page 16 and 17 also both are completed with " sick leave '' and " leave without pay '' marked however I do not recognize this writing- I DID NOT FILL THAT OUT. 

was working during the time paid and was paid appropriately. I The originals were misplaced by XXXX and completed by someone else, NOT MYSELF. Not sure how they can legally support this. 

I am tired of this harassment and plan to seek out legal assistance to resolve this matter. 

XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (AZ)

I.Q. DATA is refusing to satisfy a judgement they hold against me with XXXX XXXX XXXX XXXXXXXX They satisfied 1 of the 2 judgements they had against me. Ive verified with the court in case there was court error and there response was that the plaintiff ( iqdata ) still has an active judgement against me and they need to contact the court stating its been satisfied.