davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/19, I opened a new credit card account with XXXX XXXXXXXX XXXX. My credit score was XXXX at that time. When I checked my credit score on XX/XX/19 it dropped 27 points to XXXX. According to the credit bureaus a hard credit check would probably drop the score 5-10 points. I have no negative accounts/late payments ever, on my credit report and all the information on the report is correct. I contacted XXXX on XX/XX/19 and after an hour of mostly being on hold, they had no explanation to why such a drastic reduction in score from only one credit check. No other credit checks were on file and XXXX had no remedy for me. I also contacted XXXX XXXX XXXX on XX/XX/19 and was informed that only one credit check was performed. I feel that there is an improper practice of scores being incorrectly reported as I have spoken to many other people experiencing the same incident. My score was even lower on XXXX and Trans Union and want to include both in this complaint. There should be an investigation into why these discrepancies are occurring because a person 's credit history is a very important factor in our economy and should not be abused in this manner. Thank you for your time and attention to this matter.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

Paid the owed amount in XXXX after being told by a representative from Bank of America that it would remove the account from XXXX  XXXX  in 3 months. Disputed XXXX through XXXX  XXXX  because they didn't even report it was paid nor remove it. Have spoke with Bank of America fraud department in XXXX and was told very rudely that they can remove it but have every right to leave it on there for 7 years. They still have not removed. Now as of today XX/XX/XXXX, I have been told by a representative in collections that it would be the fraud department that would have to remove it and transferred me. Now on the phone with the fraud department and get told they can not remove it and I requested to speak to a supervisor. This is ridiculous when I paid my debt to make things right. They need to remove this. It has caused me so much stress and headache. This is not how you do business. Any other Bank would have removed it once paid and here I am going on 5 years of not being able to get a bank account and fixing to start a job that pays by direct deposit.
Consumer complaint received 2023-03-21
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. (CA)

I checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Please update this account : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-21
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. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-01-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (GA)

NELNET IS A STUDENT LOAN COMPANY. THEY ARE REPORTING THE SAME DUPLICATE ACCOUNT ON MY CREDIT REPORT OVER 10 TIMES. I ONLY HAVE ONE ACCOUNT WITH THEM BUT THEY ARE REPORTING THE SAME ACCOUNT OVER 10 TIMES.
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

I paid my lease in full on XX/XX/18 and submitted the odometer statement on the same date. Hyundai representatives told me that if I paid online, I would have the title in five days. 

I called them on XX/XX/18 ( 8 days ) to check the status of the title. They made a number of excuses about the delay, including that it took 10 days to process, and that they had an issue with the odometer statement. The 10 day period contradicted what they had told me before, and they were unable to explain what the issue was with the odometer statement that I had sent 8 days prior. 

I called again on XX/XX/18 ( 14 days ) to check on the status again. Now they told me that the title had just been mailed, well after even their second promised deadline. Again they blamed the delay on the odometer statement, despite the fact that I had provided them the statement to them 14 days prior.
Consumer complaint received 2021-07-20
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. (FL)

I have an erroneous account with XXXX XXXX XXXX on my Equifax credit report. I have requested investigation of that account in XX/XX/XXXX and XX/XX/XXXX. Equifax made an investigation and somehow verified an account. I contacted creditor directly in XXXX, but they didn't respond. 
I wonder how Equifax verified this account if company is not registered in Florida ( I looked up at XXXX Florida official web site ). However, I have sent follow up letter to the creditor demanding to validate that their account belongs to me. I also will attach proof of sent letter to the creditor and the first validation letter.
Consumer complaint received 2023-03-21
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. (MN)

Equifax, XXXX, XXXX are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. 

On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information. 

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance - 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} Proper evidence has been supplied from XXXX XXXX XXXXXXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-20
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. (IL)

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH ANOTHER VIOLATION UNDER THE FCRA.
Consumer complaint received 2019-09-16
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE.
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (MA)

I Have been trying to pay this card off. Have alot of debt. No income, being asked to pay what i dont have. There has been no compromises.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

The dismissed bankruptcy on my XXXX, Experian, XXXX reports are erroneous and giving the wrong information. The XXXX student loan is also incorrect on all three agencies. If you can please tell them I will be filing suit against them because they are destroying my credit rating and I can not get any credit that o need.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Someone I do not know was able to log into my wells fargo account & they used XXXX XXXX XXXX' to send them selves two transactions totaling to {$2700.00} in late XX/XX/2022. I spoke to wells fargo about this & filed a fraud claim & they dismissed my claim & said there is nothing they could do for me. I may not be able to afford rent next month & all they could tell me was " we understand what youre going through '' & thats it. theyve been no help at all.
Consumer complaint received 2019-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

XXXX XXXX XXXX XXXX, USAA I have submit a fraud claim of multiply transactions. USAA i declined the fraud claim due to the illegal activity using my address. I believe that these charges should be credited back to my account. USAA is violating t 15 U.S.C. 1601 et  seq. Especially, the provisions Charges not actually made by the consumer Charges in the wrong amount. 
Charges for goods or services not received by the consumer Charges for goods not delivered as agreed
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (SC)

Back in early XX/XX/2019 I did an online search to find the best promotion offer for opening a checking or savings account. I found an offer online at www.TD.comXXXX. 
The offer stated that if I opened a Premier Checking account and deposited a minimum of {$2500.00} of direct deposits within 90 days that I would receive a {$300.00} credit to my checking account. I did not meet any requirements for the additional {$150.00} to open a savings account. I deposited the {$2500.00} within 60 days, 30 days early. The offer stated that I would receive my promotional credit within 140 days max. I have called numerous times as I am persistent since the 120 day mark to check on the status and was told to wait the remaining days. I've called maybe 5 times in the past two weeks and each time I was told the rep would email the promotional Dept and they would get back with me with a resolution within two business days. I have received no call back or emails regarding my inquiries. I love the current interest rates and would like to stay with the TD Bank however I expect them to honor their end of the promotion as I did. The reps have been extremely nice and seem to genuinely care however I seem to be getting nowhere.
Consumer complaint received 2023-03-20
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. (FL)

This account has been closed and requested to be deleted per the collection agency. I requested a copy of my credit report and this account still appeared. I contacted the collection agency and requested to speak to a supervisor she informed me that this account was requested to be removed prior to XX/XX/2023. I informed her that it had not been deleted and that Equifax in fact reported it as still open with a balance XX/XX/2023. She then informed me that it is out of their hands because they requested it and its up to the bureau to remove. This is causing adverse action and wish to have this deleted asap. see proof of deletion attached.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Wellmont Health System (VA)

MCOT debt collecting agency XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Tel XXXX XXXX ] XXXX XXXX, Attorney XXXX XXXX XXXX, Violating FDCPA, [ Fair  Debt Collection Practices Act ] A Scavenger Debt Collector, illegally buying up old debt, Out Of Statue, and collecting over and over again, .I was first garnished for a hospital bill from XXXX, In XXXX they took, {$2900.00} from my paycheck and then stopped the garnishment before it was paid in full, This left me thinking it was paid, so they could come back 11 years later to add all these bogus charges, Interrest {$1300.00}, Judgement costs {$50.00}, Attorney fees {$200.00} and then another bogus {$660.00} for garnishment Costs and do this over and over to the citizens, Way out of the 6year Statue Of Limitations, It is an illegal act and can be sued in Federal Court for " MaliciousProsecution, '' Which im in the process of doing, Also turn in the attorney to  the Tenn State Barr Association , Attorney General complaint, In XXXX and XXXX. We have a law which protects us from being sued out of the STATUE OF LIMITATIONS.In this case, XXXX bill being garnishe for the second time in XXXX!
Consumer complaint received 2019-09-16
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. (UT)

XXXX XXXX XXXX # XXXX is reporting a balance and a late on an account that I paid off over a year ago. This account has already been paid and should not have a balance nor should it have a recent late. It is only reporting to TransUnion as well.
Consumer complaint received 2023-03-20
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. (OH)

These company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusionsexcept as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all the above LATE PAYMENTS from my consumer report, the agency is in violation of 15USC 1681 Failure to respond satisfactorily with deletion of above referenced account, and send out a free copy of my credit report after changes have been made, will result in legal action being taken against your company. For which I will also be seeking {$1000.00} per violation for : 1 ) Defamation of character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practices Act 15 USC 1692g violations 4 ) Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

Last year in XX/XX/XXXX I had a switch of bank accounts as I moved all personal accounts to where my business banking accounts are held. During this process I had the accounts paid for online and had named the new account the same as the old account. I was notified that my homeowners insurance was not renewed, their was a mix up from the carrier as to where the renewal was sent. I paid my mortgage as usual however Amerihome was trying to take it from the closed account. I was not notified by Amerihome not only for the insurance renewal but also that the Mortgage was not paid for XX/XX/XXXX. When I was told i was late in XX/XX/XXXX, I immediately paid XX/XX/XXXX and XX/XX/XXXX totaling over {$4000.00}. I had spoke to customer service to get this resolved and they had acknowledged the mistake on the draft and the insurance renewal and sent me a link to get the late removed. It has not been removed and I called to inquire again as recent as 30 days ago and they had told me it was not done and they are not sure why.

Amerihome Mtg CO, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NJ)

Some relevant facts : ( 1 ) Transaction was made in IDR XXXX on my Citi Premier Card XX/XX/2023 XXXX XXXX XXXX ; ( 2 ) The transaction was posted in my Citi account on XX/XX/XXXX for USD XXXX ( i.e., XXXX IDR/USD ) ; ( 3 ) Citi Premier Card is on the Mastercard network with 0 % foreign transaction fee ; ( 4 ) According to the Mastercard  currency converter calculator XXXX XXXX XXXX XXXX XXXX my transaction on XX/XX/XXXX should only cost me USD XXXX ( USD XXXX lower ). 

I contacted their customer service, and they said that Citi uses the XXXX XXXX XXXX ( odd! ) for their conversion rate. Using that rate ( for XX/XX/XXXX ), it should be {$75.00} lower, and they suggested I should file a dispute. 

I filed the dispute on XX/XX/XXXX and received a dispute letter on XX/XX/XXXX rejecting my {$75.00} claim. The letter then said that the exchange rate used to convert is established by " either Mastercard International, Visa International or XXXX XXXX '' ( surprise surprise ). 

I have requested that my dispute be reopened but am pessimistic.
Consumer complaint received 2019-01-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: AMERICAN HONDA FINANCE CORP (HI)

Turned in Honda at end of lease. Honda did not ask for any payment/ turn in fee nor notify me that any payment would be due. XX/XX/XXXX, I receive this " Lease End Statement Details '' letter which states " per your request ... ''. I did not request a lease end statement details report, so I set the letter aside and did not take action. Because I did not request any such letter ( unlike it stated ) I assumed it was a fraudulent document, as it did not look official and did not include a payment slip or envelope. The letter stated there was an amount of {$360.00} due. If there was an amount I did owe, I expected the Honda dealer to collect the payment from me at the time I turned in the car, or send me a bill that looked similar to all my lease payment statements, that I could then pay. I never received any additional correspondence or Bills from Honda. I notice my credit score dropped dramatically and after requesting my credit report, see that Honda had sent this outstanding balance to collections. Aside from the attached letter, I did not receive any formal bill or notification that I owed this turn in fee. I am more than willing to pay anything I owe, but expect to receive a statement with bill pay slip. I will be calling Honda tomorrow, XX/XX/XXXX.
Consumer complaint received 2023-08-23
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. (CO)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (NV)

In accordance with the fair credit act, this creditor has violated my rights. Under 15 Usc 1681 section 602 states I have the right to privacy. Under 15 Usc 1681 section 604A section 2 it also states a consumer reporting agency cant not furnish an account without my written instructions. Under 15 Usc 1666B a creditor may not treat an payment on a credit card account under an open and consumer plan as late for any purpose.