davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OH)

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Mastercard with Bank of America with a {$4000.00} credit limit that I use frequently that was recently cancelled. THE CARD HAS A XXXX BALANCE. We use this card only for major purchases such as medical or auto expenses. I have never been late on a payment, and have paid the card off twice including currently. 

My husband and I are senior citizens, ages XXXX and XXXX and reside in Florida. My husband is also a Veteran having served in the XXXX. Recently my husband lost his part time job causing us to have to apply for a modification on the VA mortgage we hold causing our credit scores to drop. I assume this is why Bank of America has cancelled our ONLY credit card and I would like to have it reinstated. 
Lastly, we also joined a credit resolution program and DID NOT include the credit card in question.
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I had a checking account with Bank of America. They closed my account and reported it as fraudulent activity to the XXXX. I have NEVER used any fraud with anyone of my bank accounts. I was never notified from Bank of America of such thing. I was a victim of Identity Fraud in 2016 and have reported to the XXXX TN Police Department. This account needs to be removed from XXXX   and certification of any signatures need to be reviewed
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc. (NJ)

I purchased new XXXX XXXX service through XXXX XXXX XXXX. IT is being installed today. I received a letter a few weeks ago ( I was away on vacation for 10 days ) indicating that my credit score is XXXX from a company called SageStream LLC. My credit score has always been excellent and ranges between XXXX and XXXX across the three major credit bureaus. 

The XXXX XXXX XXXX letter goes on to say that based upon my credit history, XXXX XXXX XXXX is imposing certain restrictions or conditions on my account. I called XXXX XXXX XXXX and they said that I have to contact Sage Stream to have it corrected. I even explained that they did not use my full name in the letter. I have a very common name and I'm sure there are thousands of people with the same name. The XXXX XXXX XXXX agent was professional but could not help me. 

I went online to request my credit score from SageStream LLC. and they want a copy of my driver 's license. That is ridiculous and scary in this day and age. So, I refused to provide the information. 

I'd like to file a complaint against SageStream for providing information about me but that not allowing me to access it. I '' d also like to file a complaint against XXXX XXXX XXXX for not using the three major credit bureas where I already have access to my information. 

Thank you in advance for your help.
Consumer complaint received 2019-10-19
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. (LA)

The information on my report that was removed that keeps coming back up is INSANE!! XXXX finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.
Consumer complaint received 2019-10-19
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. (LA)

The information on my report that was removed that keeps coming back up is INSANE!! Transunion finally reported on XX/XX/XXXX that they removed it and then on XX/XX/XXXX put it back on there!!! Same thing goes for the XXXX XXXX XXXX account. I have attached the evidence! I am SICK OF THIS NONSENSE!!! THEY KEEP SAYING FOR ME TO PAY MY BILLS ON TIME YET I HAVE ZERO DELINQUENT ACCOUNTS AND 100 % PAYMENT HISTORY! I have already filed complaints regarding XXXX and XXXX with the FTC for fraud.
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (OH)

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SSXXXX and my is DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2019-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ERC (NV)

XXXX  IS UNAVAILABLE TO ME ONLINE DUE TO A COMPUTER GLITCH OF THEIRS..IT WOULD BE GREAT IF THEY KNEW HOW TO GENERATE SECURITY QUESTIONS SO I COULD USE THE SERVICE. 
THERFOR I OFFER THE FOLLOWING COMPLAINT : CREDITOR XXXX   COLLECTOR ENHANCED RECOVERY COMPANY HAS DEFRAUDED ME.I PAID XXXX DOLLARS UNDER A DURESS SETTLEMENT THAT I SHOULD HAVE PAID NOTHING. 
XXXX AT TIME OF SALE /SERVICE INTENTIONALLY WILLFULLY DEFRAUDED ME AND VIOLATED THE IMPLIED WARRANTIES LAWS OF CALIFORNIA . 
DUE TO THE UNDISCLOSED LACK OF CELL TOWER COVERAGE IN MY AREA XXXX SERVICE WAS DROPPED CALLS, INTERFERENCE, MISSED MESSAGES AND JUST GENERALLY FAILURE PRONE.SINCE XXXX KNEW THIS THEY SHOULD HAVE NEVER SOLD ME THE REASONABLE EXPECTATION OF ADEQUATE SERVICE. 
I WOULD LIKE THIS ERC ACCOUNT DELETED FROM ALL CREDIT BUREAUS.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2024-03-08
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. (IL)

My rights have been violated and I requested immediate remedy through Due Process. Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-16
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: EQUIFAX, INC. (AZ)

I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX XXXX and Equifax had all been told to contact me and did not.
Consumer complaint received 2021-11-16
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. (AZ)

I have filed with CFPB in the past against the 3 credit reporting companies and stated that all inquiries should be cleared by me. Really I don't need anymore credit loans from anybody. This week I received a call stating that someone inquired about a credit report. 
XXXX Transunion and XXXX had all been told to contact me and did not.
Consumer complaint received 2021-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (TN)

ABC Financial is the payment servicer for the previously known XXXX XXXX XXXX, and XXXX XXXX XXXX in XXXX, TN. 

I have communicated to both of these companies on numerous occasions that I wish to revoke my EFT authorization as is my legal right to stop the collection of payments via my credit card. 

The company named in this complaint is ABC Financial. They have replied to me stating their refusal to stop the billing despite my best attempts to present their legal obligation. 

Attached to the complaint is the email chain.
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I have made extra principal only payments every month since  XXXX  of  2016  totaling {$21000.00}. Every mo nth U.S. Bank  posts the principal only payment as a irregular extra monthly mortgage payment instead of Principal O nly. U.S. Bank Home M ortgage headquartered at  XXXX   XXXX   XXXX ,  XXXX   XXXX , MO  XXXX  has provided me with a spread sheet showing the payments and how they were applied. The history shows a payment but NO reduction of the principal balance on  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 ,  XXXX / XXXX / 16 .   I have contacte  d U.S. Bank mortgage department every month about their consistent errors but to date the issue continues.
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I am concerned that   the extra principal payments have not been applied properly resulting in additional interest expense to me.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Kindly ensure the removal of inaccurate accounts noted on my credit report, as mandated by FCRA 605B. Could you please verify the documentation? The presence of these erroneous accounts is causing me distress.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing now in wish to gain your help. At the present time I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play an essential part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX and XXXX ) on XX/XX/2018 and I am submitting this in order to have this remark took back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

This complaint is for how the customer service of XXXX XXXX XXXX handled a recent issue with their online payment system. Payments made online during the date of XXXX/XXXX/15 faced system issues where the payment was triplicated instead of processed only once. I became aware of the issue only after checking my online bank account ( XXXX/XXXX/15 ) and saw the reoccurance of the transaction and the overdraft they were causing. 

In following up with Aspire customer service on XXXX/XXXX/15, they informed me that they knew of the problem and were working hard to correct it. During the conversation, the process of how to handle the overdrafts for refund also occurred. The second representative I spoke with informed me that their company became aware of the problem on Monday, XXXX/XXXX/15. I asked if there was any thought of notifying the people affected by this problem - via mail, email, or phone number ( all of which they have ). The representative had no answer as to why they did not attempt to notify the people this would cause hardship for. 

I explained that this was, in my eyes, some of the worse customer service possible - to not even attempt to notify customers of unauthorized charges their company was making. I explained that they have my contact information and that is wrong to not notify and allow the customer to find out on their own. 

The represenative said they could see my point. They explained they are working on the return of funds and working on solutions to prevent issues like this from reoccurring. I am, mostly, satisfied with how I was treated on the phone - my complaint is with their policy/lack-there-off in regards to notifying customers of issues they have caused. The returned money may take up to a week to return to my account and I will have to go through a claim to get refund for the additional fees and fines caused by this oversight in their systems. 

They did not have an answer regarding how this would create additional hardship for weeks or months to come - handling the refund process will take 5-10 days, then wait for a check to be issued and received. They did not have an answer for the impact this would have on subsequent bills with their own company and explained they had not discussed any way to assist those they caused negative impact for. 

They had the information to provide to myself and the countless other customers impacted by this situation and did nothing.
Consumer complaint received 2021-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (TX)

I was defrauded by the merchant ( property management company ). They fraudulently misrepresented the apartment unit and after signing the contract, they gave me a key to an apartment unit that did not meet Texas state habitability law. The apartment unit was full of cockroaches and it was very unsafe environment. I paid the rent ( {$200.00} and {$600.00} ) with Navy Federal credit card on XX/XX/XXXX and XX/XX/XXXX and on XXXX, I decided to early terminate the lease agreement with landlord due to their lease violation. I have a right to refund because the merchant defrauded me by fraudulently misrepresenting the apartment unit. I also filed disputes regarding this issue with other credit card companies and they approved my claims and I was able to receive the refunds for other rent that I paid for. However, only Navy Federal Credit Union did not issue a refund. They did not properly investigate this issue and I'm very frustrated and disappointed. The amount of money that I paid for may not be a lot to this organization but it's a lot to me as XXXX year old.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Lost my credit card and when I tried to access my online banking due to the fact that I got my credit card from my bank called to report it lost/stolen and found out through them that there were fraudulent activities going on I spent 2 weeks trying to get someone from the fraudulent department and never got a call so later on this ween I get a notification from XXXX that my credit card was closed per my request which the consumer lied on me I never requested to closed I've been trying to reach out to them to resolved this matter and no one called receive a bill statement with activities that I never purchased my credit score drop due to the closed account I shouldn't be held responsible for something I having done and now it may remain on my report for the next 7-10 years
Consumer complaint received 2019-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian, like XXXX was asked earlier in the year ( XX/XX/XXXX ) to correct a XXXX error on my credit report. They ignore me for 10 months initially reporting that the company ( XXXX ) had verified the account. So, for 10 extra months it stay on my credit report inaccurate because they ignored my request, I called XXXX myself last week and they acknowledged the error although they been reporting it as accurate. So, now they want to update it after almost a year, and then it dropped my credit score 14 points. The error reporting cause issues on my credit report and kept me from getting things I needed. This should have been immediately removed from my credit report, instead they decided to update it after almost a year causing me to loose more points. This was an error and it should have been deleted.
Consumer complaint received 2015-09-25
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

In the past Ive been allowed to make partial payments on my mortgage. Today I attempted to pay XXXX of my mortgage XXXX {$1000.00} XXXX. I was advised I could n't, I asked to speak to a manager and was told by the man " it does not matter, I will not allow my manager to accept the partial payment ''. A young lady got on and said she was a senior rep, that a manager was not available. She had then told me she would not except a partial payment either. Then proceeded to tell me per my finances there is no reason I should be making partial payments. I then again asked to speak to a supervisor, she would not put XXXX on. When I mentioned the CFPB, she hung up on me. It be different if they never accepted a partial payment before but they have, on more then XXXX occasion. There was also no reason for here to tell me about my finances.
Consumer complaint received 2024-03-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2019-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

A two month deferral was granted covering the months of XX/XX/XXXX and XX/XX/XXXX,  billing info currently shows a payment due for XX/XX/XXXX I believe, the correct due date should show XX/XX/XXXX, due to two month deferral. I attempted to double check this info earlier this evening on XX/XX/18, the site showed an error message stating " Currently experiencing technical issues, please try again later ''. This message appears frequently when attempting to log in and it is not an issue with log in ID including password and or user name, it appears there is an ongoing issue with BMWF site when attempting to log in. I mentioned this issue to reps prior, one rep stated the issue happened before with other customers. I do not believe the log in issue has to do with account showing payment due for XX/XX/XXXX rather than correct date of XX/XX/XXXX, it appears to be a separate technical issue. However, the billing should be corrected to show correct due date.