davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax violated my rights a numerous amount of times. I demand the inquiries and accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2022-01-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

This company contacted me called the XXXX XXXX XXXX on XX/XX/2022. They said they were working with the government and that I could be eligible for their plan. I signed numerous of documents and one of the documents included the power of attorney document and monthly payments of {$190.00} from XX/XX/2022 to XX/XX/2022 which is a total of {$970.00}. They also stated that after those payments are done, Ill have to pay 5 $ for the next 240 months then when that is done, theyll take away {$26000.00} from my loans. I didnt give them my FSA ID but they somehow got into my FAFSA and gave me a new password. I started realizing this may be a scam the day after which is now when I started doing my research and wasnt seeing any information of this company.
Consumer complaint received 2022-01-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX : Bank of America claimed a {$600.00} CC payment check from me, dated XX/XX/XXXX, had been " not been received. '' It charged a {$25.00} late fee on XXXX account. 
XX/XX/XXXX : That check was replaced, and the total credit card outstanding balance ( approximately {$790.00} ) paid, by bank transfer from our account to Bank of America. 
XX/XX/XXXX : The credit card account was closed, all agree, with zero balance. 
XX/XX/XXXX : Bank of America endorsed and presented the long- '' lost '' check for payment to my bank, XXXX & XXXX ; it was paid despite being a stale check. ( I had requested it be stopped, but apparently from my not going to the branch to sign a form, it was not. ) XXXX XXXX, XXXX : I got XXXX & XXXX bank statement and contacted BoA customer service ; call was escalated ; I was promised repayment in " 2-5 business days '' and was asked for my bank account info so that BoA could transfer {$600.00} to my wife 's and my account. 
XXXX XXXX, XXXX : No funds returned by BoA in 9 days. Received instead ( by mail ) a XXXX statement, for period supposedly ending XXXX XXXX, XXXX, showing a {$600.00} " credit ''. Our BoA credit cards were long since destroyed, no way to use this " credit '' even if the account were open. We have no other relationship to Bank of America. 
XXXX XXXX, XXXX : I visited my bank and the XXXX XXXX XXXX branch manager called Bank of America with me, was told the CC account " is closed with a {$600.00} credit ''!! BoA representative said the {$600.00} would be returned in " 1-2 billing cycles ''. I protested their keeping this fraudulently acquired money for three months XXXX XXXX XXXX. Call was again escalated. My branch manager was promised return of the {$600.00} in " 1-3 business days '', and an immediate fax of confirming document. 
XXXX XXXX. No fax to XXXX & XXXX bank branch manager. No {$600.00} returned to our account.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (CA)

My wife, XXXX XXXX, ordered a desk from XXXX on XX/XX/XXXX. It was delivered on XX/XX/XXXX. She refused the desk because it was not assembled. The product description did NOT say unassembled. XXXX initiated the refund on XX/XX/XXXX, saying the refund would be received in 3-5 business days. As of XX/XX/XXXX, the refund was not received. On XX/XX/XXXX, XXXX started a dispute for the charge of {$450.00} with Navy Federal Credit Union. She attached all the pertinent documents with the original claim. Navy FCU sent a message in their message center requesting more documents on XX/XX/XXXX. She replied, " The information you requested was attached to the claim on XX/XX/XXXX. On XX/XX/XXXX, Navy FCU closed the case, stating I did not send the information. This is a regular scheme that Navy FCU engages in not to settle a dispute. This has happened before with other XXXX or XXXX disputes.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I sent XXXX XXXX to XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. In response, I received a letter from them ( attached ) stating that my request was received and in accordance to FCRA, they do not remove or change negative reporting unless it was reported in error. They further encouraged me to reach out to the credit bureaus to dispute the reporting. THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government. 

The following items are attached - Original letter sent to XXXX advising of violation of XXXX re : utilization - Response from XXXX - Original XXXX Certified Mail Receipt
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC. (OH)

I paid off my account balance with HFD in full on XX/XX/XXXX. Despite this, they are insisting I still owe money on the grounds that the payments I made were returned by my bank. I spoke to my bank ( XXXX XXXX ) and they confirmed the payments were not returned as per my account history, and were paid to HFD. My bank said that because the payments were made through debit to a merchant, they could not send a proof of payment directly to HFD. So, they told me to send my bank statements to HFD proving that they took my money. I spoke to two agents over the phone at HFD detailing account history discrepancies. I found that the current dashboard of my HFD account shows an inaccurate payment history, missing an automatic monthly payment of XXXX for four months, from XX/XX/XXXX to XX/XX/XXXX, showing only 86 % paid off. I sent them an email explaining the account history discrepancies in addition to my proof of payments ( bank statements proving they received an automatic payment for XXXX those months and two screenshots showing the account dashboard on the day I paid it off, 100 % paid ). Despite this, the agents insist that I still owe money because they are referring to the current, inaccurate dashboard of the account balance rather than taking my concerns and proof seriously. They keep contacting me via call, text, and email saying my account is overdue. I learned of this issue from a late notice in the mail that says my account is overdue by " {$.00} ''. I suggested to them that they escalate the case with their Tech department because it seems to be an internal, technical accounting issue. My concern is that the balance " overdue '' they want me to pay keeps going up because of the interest coded into the account, despite the fact I proved that I paid it off in full. I'm also scared of unjust collections. I know I can refute collections claims within 30 days of receiving notice however I would like to settle this issue without having to go down that route. I have filed a complaint through the XXXX XXXX XXXX and with my bank, who is investigating the company and is aware they are trying to collect debt I dont owe, but HFD insists despite all of this that the money I paid has been refunded ( it hasnt ). I told them through the XXXX  today that all communications they send will be ignored until my bank is done investigating them but I was encouraged by a lawyer to file a complaint here.
Consumer complaint received 2022-01-29
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. (MD)

We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.
Consumer complaint received 2022-01-29
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. (MD)

We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OR)

I requested chime to reopen my unauthorized transaction dispute for two transactions I did not make and it was denied. I sent them my location history and transactions I made before and after the fraudulent transactions were made. The unauthorized transactions occured in a different town over an hour away minutes after I made authorized transactions in my home town and apparently they still think it's not inconsistent enough to believe my dispute.
Consumer complaint received 2022-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (VA)

After coming off a COVID19 Forbearance XX/XX/2021. I have tried to reach out to my lender by all attempts via telephone, via email and via mail after notifying my lender I can resume to payment what is the next time. My lender sent my a denied letter for all COVID19 due to XXXXien on my property and the steps to appeal. I immediately appeal requesting documentation of a lien on my property which I never received any documents from my lender. I finally got a hold of my lender in XX/XX/2021 and i was able to explained my situation and asked for assistance to resume to payments. What I thought my lender provide in XXXX was a nightmare i received a notice saying my property was being foreclosure I immediately reached pleading for HELP. I have now sent over my loan modification packet to learn I am missing documents. Which were medical docs proof showing my COVID19 records. I have a FHA loan is this the rule or process for my loan modification after coming off of a covid19 forbearance. I need help?
Consumer complaint received 2022-01-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (OH)

I had a auto loan through navy federal. Times had changed for me to where I wasnt getting paid as much so I called the bank and stated I was unable to continue making for the vehicle and for them to come pick the vehicle up and we can set something up to where I can get this debt removed off my credit. They were supposed to come pick the vehicle up, I was told they would then auction it off and that I would have to pay the difference. They never came for the car. I have called multiple times in regards to this matter. Its been years and still the car is in my possession, they have only contacted me about the amount owed and that if I dont pay it will effect my credit. I have told them multiple times that I have the car ready for them to come get picked up or towed and they still have never come. I now have a debt on my account that is overly priced on a car that has been sitting waiting for the bank to repossess and never came. As they stated, it did effect my credit. Now I have a car thats been sitting. Most likely wont sell as much now which means I am now stuck with the debt of entirety which I feel is unlawful and unjust when they have been notified of where this car is for years.
Consumer complaint received 2022-11-30
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. (NY)

There are a number of individuals dating in concert with XXXX  who have created, perpetrated and carried out a credit fraud scheme and synthetic identity theft that transcends the existing system for the purpose of personal gain and international coercion. These individuals have had illegal access to XXXX XXXX XXXX credit file and have been able to place accounts and other remarks on my report to act adversarially towards him while gaining ie obtaining of property and monies using this system. To my knowledge they are also controlling my physical and electronic communication meaning they are mail men and postal employees as well. I have had several credit monitoring services such as XXXX AND XXXX where this has taken place. I believe that there is a XXXX XXXX  and others from XXXX XXXX and the XXXX  and XXXX  who have been brokering and selling points to people. Plaintiff 's latest attempt to maintain his credit and identity and his use of XXXX XXXX services has produced the same result. After purchasing XXXX I observed several behaviors that repeated. They have added a company named XXXX XXXX  on an account paid in full as part of this scheme to monitor my credit illegally from this individual with access to my credit and who are fabricating my credit scores. This company is a front and ha been added as part of a scheme to control me socio economically from XXXX XXXX, This company has refused to respond to my notifications as well as your agency. the attached credit scores are fabricated and they are preventing me from Equifax as well as XXXX.
Consumer complaint received 2022-01-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CO)

Our mortgage was sold to BSI Financial Services Im XX/XX/XXXX or XX/XX/XXXX. We are unclear on this. We tried to pay our XX/XX/XXXX mortgage payment to our previous servicer on XX/XX/XXXX but we were unable to, I emailed them and received no response. A few days later we received a letter saying our mortgage was sold to BSI. The letter was from our previous servicer.

We have not received a statement from BSI. We have only received a call saying we are to pay them. They are unable to provide us with a statement. We are unable to create an online account because their online portal doesnt work. We have no electronic or paper statements from BSI and they seem unwilling to supply one. Our credit report doesnt even reflect that our mortgage has been sold to BSI. It currently shows we have zero mortgage debt. BSI has been emailing me twice a day for the past week to set up autopay which I refuse to do until I see a statement.
Consumer complaint received 2022-12-01
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. (TX)

XXXX XXXX Account XXXX Amount {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXX Amount {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX. 
Amount {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account Number XXXX XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX  Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX 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.
Consumer complaint received 2022-01-29
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: BARCLAYS BANK DELAWARE (WI)

This regards an XXXX XXXX XXXX issued by XXXX and their failure to address 263 charges of {$20.00} each made toXX/XX/XXXX, which I did not make, over a 2-day period in XX/XX/XXXX. I first noticed these charges, totaling around {$5000.00}, on or near XX/XX/XXXX and calledXX/XX/XXXX customer service immediately. I have never been toXX/XX/XXXXand never visited XX/XX/XXXX online. I did not make these charges. I was told a " case '' was opened and that this would all be addressed. A new card was issued to me. 

A few weeks later, I noticed that these charges were ALL posted to my NEW credit card ( dates of posting were between XX/XX/XXXX and XX/XX/XXXX ). Again I called and was told this was a " mistake '' and that another new card would be issued to me. I was issued a new card and have never activated it, never used it. However, as I kept checking my account online, the XX/XX/XXXX charges were not disappearing and showing up as balance owed ( with interest accruing ). I called again to complain and was told a case had " not been properly filed '' but that it would now be done, and I shouldn't worry. I also began sending messages through the online portal on my XX/XX/XXXX account. After >50 messages sent, not even one has ever been responded to. 

Now, as recently as XX/XX/XXXX, about 75 % of the XX/XX/XXXXcharges from XX/XX/XXXX and XX/XX/XXXX were posted to my second new card. This is the card I HAVE NEVER USED NOR ACTIVATED. Today ( XX/XX/XXXX ) I called yet again to complain and was told AGAIN that a case had not been " properly '' opened. It has now been >90 days. My credit card balance remains around {$4000.00} from charges I never incurred. Interest is accruing. A XXXX payment is due. My credit score will undoubtedly be affected. I have a daughter in college and am taking out loans for her. This may not be a serious situation to XXXX, but it is dire to me. The US Federal Trade Commission is my last step before considering private legal action.