davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by XXXX XXXX XXXX account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for XXXX XXXX XXXX, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by XXXX XXXX XXXX, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,
Consumer complaint received 2019-04-18
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. (OH)

I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX XXXX XXXX- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a XXXX   debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. Equifax claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and Equifax is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if Equifax does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of Equifax 's use of automated software ( XXXX ),  which has incorrectly tied me to this debt or item on my credit report.
Consumer complaint received 2019-04-18
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 (IL)

I inadvertently submitted a {$150.00} payment on XX/XX/2019 through my bank 's online bill pay service ( XXXX XXXX ) to a credit card that I previously closed. XXXX changed providers ( from Bank of America to XXXX and I had left this payee in my bill pay ). I have contacted XXXX, XXXX XXXX multiple times. The real obstacle is Bank of America ; they are unwilling to accept the basic data including the credit trace # XXXX XXXX XXXX and the check file # XXXX. The account is no longer active ( last four digits XXXX and it no longer appears in their system ), but they should have records of bank transfers according to routing numbers. I have proof of payment from the bank ( attached ) ; the funds were paid by my bank using the Check Free Bill Pay system ( the bank says this is important because the funds were not wired to BOA from my ckg acct directly but the bank 's Ck Pay System ). A XXXX XXXX representative ( XXXX XXXX ) on two separate occasions attempted to reconcile this problem ( XX/XX/XXXX and XX/XX/2019 ). On XX/XX/XXXX we called Bank of America ( BOA ) together and spent 1 hour and 29 mins on the phone until the manager, XXXX, in BOA credit card servicing disconnected the call ( we were stunned ). Before that we had spoken to XXXX XXXX in BOA 's Recovery Services, XXXX ( Deposit servicing ), XXXX and XXXX, Supervisor, ( both in credit card servicing ). The attachment shows the payment to BOA but they will not return this money and refuse to discuss possible solutions. If indeed the account has been closed, why hasn't the payment been returned to my checking account?
Consumer complaint received 2022-09-09
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: SUN WEST MORTGAGE COMPANY, INC. (MD)

There is a mortgage inquiry on my XXXX  XXXX  account. Stating a 30 year Sun West Mortgage Company inquiry with a 5.873 % and 6.604 APR rate. And another inquiry stating 30 year Sun West Mortgage Company inquiry with 6.248 % and 6.988 % APR rate. I have never applied for any mortgage loans
Consumer complaint received 2019-02-06
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

XXXX is reporting out that never paid for a check in the amount close to {$340.00}?? to XXXX XXXX. I requested my consumer report and it lists no information found. The only reason I found out about the information is while opening another account my bank shared the information. I do believe it is from when I had a vehicle loan with XXXX XXXX  over 4 years ago. A check may have been returned at one point, however, it was immediately paid when the issue occurred. Therefore, there is no reason it should be reported as bad debt. I then refinanced that loan with my current bank and it would have been paid when the refinance occurred.
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 — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Regarding Late Payments on Credit Report We started loan modification procedures in the summer of XX/XX/2018. It took us 8 months because Bank of America kept kicking back our paperwork because they could not read my husbands military pay statements. We spoke with them on multiple occasions trying to walk them through how to read them. Finally, we were awarded a trial loan modification on XX/XX/2018. We were told to make payments by XX/XX/18, XX/XX/18 & XX/XX/18.  We made these payments on time and have proof from our bank that they were cashed. These payments are being reported as late, even though they were paid on time per the terms of the contract. Bank of America is erroneously reporting this information. We have tried fixing this thru the credit reporting agencies 2 times. We have gone to the XXXX and have still not had any positive results. B of A Regulatory Compliance Department has called me 2 times to leave a message, once on XX/XX/XXXX and once on XX/XX/XXXX. We have called back on XX/XX/XXXX ( 3 times ) ,XX/XX/XXXX ( 1 time ) & XX/XX/XXXX ( 6 times ) and are not able to get anyone on the phone. 

B of A 's lack of response and false reporting is causing issues for us as we are trying to refinance this loan to a lower rate.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (WI)

Thisdebtof{$350.00}waspostedtocollectionsinXXXXof2019.IcalledXXXXXXXXandtriedtohavethemexplainittomebecauseIhaven'thadservicesthroughthemforatleast3or4years.Theycould'texplain.NowithasbeenplacedforcollectionsandIdon'tthinkIoweit.Ipaidallbalancesandreturnedequipmenttothematthetime.Ifeelthisisamistakeontherepart.IalsocannotaffordtopaybecauseIamonSocialSecurityXXXX,can'tworkandonlimitedincome.
Consumer complaint received 2019-04-18
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: CITIBANK, N.A. (GA)

On XX/XX/2019 I purchased an airline ticket for XX/XX/XXXX via XXXX and used my XXXX credit card to do so. On the same day XXXX issued a ticket for XX/XX/XXXX. I immediately called them, told them they issued a ticket for the wrong day, and was rebuffed and told I was only entitled to a partial refund. That same day I filed a dispute with XXXX. 

Today, XX/XX/XXXX, XXXX told me that : - They would not dispute this for me because I have not cancelled the ticket that was issued for the wrong day. They also acknowledged that cancelling the ticket and accepting a partial refund would be tacitly accepting I was at fault, not the merchant and they would not help me in that case either. 
- Because the merchant claims it was purchased for the XXXX ( despite it being _immediately_ contested and disputed ) XXXX will XXXX with the merchant and not dispute the purchase. The only " counter '' to this is if I happen to have a screen recording of my purchase. This is an unrealistic, unmeetable standard of proof intentionally created such that no one could meet it. 

XXXX has, in essence, stated two separate ways that it it is impossible to dispute a purchase that was made but never delivered and left me with no avenue for resolution or assistance. They're skirting their responsibilities as a bank and card issuer and I'd appreciate any assistance you can lend to this matter.
Consumer complaint received 2019-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OH)

To Whom It May Concern, In approximately XX/XX/XXXX my husband and myself filed bankruptcy. At which time we elected to continue to make payments on our home in XXXX, GA. We continued to make our mortgage payments and rent the home. In the summer of XXXX we proceeded to sell our home to our tenants of many years. The home was not listed at the time, because it was a private sale. Upon submitting the necessary documents we found out there was a second lien on the home from the original line of credit. At this time I contacted the lien holder XXXX   and found out that it had been transferred to Specialized Loan Servicing. I contacted the company and found that even though we had been released from our personal obligation, the loan would have to be paid. With an additional amount of interest of nearly {$10000.00}. After weeks of negotiation we were finally offered a settlement for the principal amount. of {$16000.00}. The short payoff was given to us in writing on XX/XX/XXXX. However, the sell of the home was not finalized because the buyers withdrew 3 days before closing. This of course gave us an inability to pay this settlement. 
After, months of trying to sell the home again, listing it with an agent, we finally went under contract for the sale of the home again. 
Once again, I contacted Specialized Loan Servicing. At which time I again ask for a settlement, however once SLS realized that the house was under contract, I was told by them that they would not negotiate and that we would have to pay the full amount. I was also told that they of course could foreclose ( an intimidation tactic, I'm sure-because they would more then likely end up with nothing ) I spoke with the rep and supervisor, both telling me the same thing. 
On no level of professional business practice should this occur with anyone. 
The only reason they are not willing to negotiate just 7 months later, is because they are now aware of the sell of the home, and can try and get the principal and interest from us. The intimidation and lack of professional business practice makes this unfair to my family and any consumer. 
Again the only difference from the end of XX/XX/XXXX and XX/XX/XXXX is the fact they they were aware of the home sale.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am very aggravated with the credit reporting buraus, it impossible to remove the fraud alert from my own account, initially they remove the fraud alert from my account but after couple of day repair on my credit report again which prevents my landlord to pool my credit records do to of the fraud alert. Its been more than a month sins I've been trying to remove those alerts that spose to " protect '' my identity, instead it makes my life so stressful.
Consumer complaint received 2019-02-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Associated Credit Services, Inc. (GA)

Contacted around XXXX XX/XX/XXXX from Associated Credit Services . The person I spoke to was incredibly rude and condescending. He told me that if I did not pay my XXXX XXXX  balance in full he would sue me. He also appeared to be looking at my credit report and told me if I did not pay my balance in full today he would get an account number from my report and attempt to run it on that. He said I had a XXXX XXXX card that had {$300.00} in available credit which is not my card. I'm simply an authorized user on it. When I told him that was my father 's card he told me to use that card today or he would call my father and inform him of my bad debts. I immediately hung up the phone. He then called me back on a blocked number and said if I do not pay in full today he would contact my place of employment and inform them of my bad debt. 

Account is for {$1600.00} from XXXX XXXX XXXX. I offered to pay him in {$25.00} installments since I am in XXXX  and he said I need {$350.00} minimum today or we go to court.
Consumer complaint received 2022-09-09
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXX XXXX  XXXX, # XXXX XXXX  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 2019-04-18
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. (GA)

I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. 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 2019-02-09
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. (TX)

On XX/XX/2019, Equifax received my dispute of account number XXXX, {$510.00}, with agency number XXXX with Equifax. I requested that Equifax investigate this account and send to me any documented proof from the creditor that the account belongs to me. Equifax in is violation of the Fair Credit Reporting Act section 611 ( a ), 15 USC 1681i ( a ). I have disputed this account several times over the last two years and Equifax keeps responding stating that Equifax verified the account. Equifax received my last dispute on XX/XX/2019 by United States Post Office certified mail number XXXX XXXX XXXX XXXX XXXX. Equifax has failed to respond to my dispute of this account and it has more than thirty ( 30 ) days.Equifax has not produced any written documents proving that the debt belongs to me. I have not received anything from Equifax as a response from my dispute of this account from Equifax. It has been more than thirty ( 30 ) days and Equifax is in violation of the law by not providing a response to me, providing Equifax 's investigation procedures, providing written proof from the creditor proving that the debt belongs to me and within thirty ( 30 ) days of Equifax receiving my dispute.
Consumer complaint received 2022-12-29
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. (OH)

Experian and XXXX closed my disputes without proper investigation to verify accuracy of negative account balance and date delinquency began with creditor XXXXXXXX XXXX XXXX ( Experian account # XXXX ) ( XXXX account # XXXX ). I disputed both the balance owed ( {$24000.00} ) and date of last payment. I specifically requested both credit agencies obtain written debt verification to prove date of first delinquency from creditor, including a payment itemized statement and a transaction ledger starting with a zero running balance. I filed separate disputes with XXXX on XX/XX/XXXX and with Experian on XX/XX/XXXX. XXXX closed its dispute on XX/XX/XXXX. Experian closed its dispute on XX/XX/XXXX. I called both companies for explanation. Representatives said their systems did not show that the creditor ever supplied the requested written debt verification or payment ledgers to confirm the reported balance amount or date of first delinquency. Also, XXXX reports different information for this account. I recall making my last payment in late XXXX, which makes this account 7 years old and non-reportable by law. These credit agencies ' failures to complete adequate investigations violated my rights under the Fair Credit Reporting Act as follows : - consumer right to privacy, 15 U.S.C. 1681 Section 602A ; and - improper furnishing of consumer account information without my written instruction, 15 U.S.C. 1681 Section 604A2.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with this account listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX
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 — Account status incorrect
Company: Credit Wise Recovery Solution LLC (TX)

Dear CFBP Representative I am reaching you because my home Lender reported to the credit bureau a delinquent payment on XX/XX/2018 on my credit report and we had an agreement to split payments {$950.00} on XXXX and the rest in XX/XX/2018. 

However, my home lender reported delinquent 30 days the full amount of {$1300.00} to my credit report and this is not true, and this really affected me on my actual Work and personal life, furthermore we had an agreement for split XXXX payment. 

I consider a problem to my personal life. I never missed any payment in my hole credit history, and this a delinquent notice that will affect my credit for years.
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 belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These accounts are fraudulent XXXX - {$550.00} XXXX XXXX - {$610.00} XXXX XXXX XXXX - {$1600.00} XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX - {$1800.00} XXXX/XXXX - {$7900.00} XXXX XXXX - {$1100.00} XXXX XXXX  - {$1000.00} XXXX XXXX {$2100.00} XXXX XXXX - {$100.00} XXXX XXXX - {$100.00} XXXX XXXX - {$500.00} XXXX XXXX - {$100.00} XXXX  - {$1800.00}