davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-24
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: EQUIFAX, INC. (WV)

XXXX/XXXX told the Consumer Financial Protection Bureau the account is to old to validate and will be reported for removal from credit bureau reporting. However, that has not occurred and Equifax is not removing it from my report. I have disputed this twice. I sent them the companies response to the Consumer Financial Protection Bureau and it still hasn't been removed. XXXX did not even send me notification it was being sent to the credit bureau or a right to dispute letter.
Consumer complaint received 2019-07-24
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. (NC)

I have fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax are listed in the attached letter I originally sent them, please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

They are failing to validate the information in which they are trying to collect on. I have been trying for several months to receive validation of this collection of which they are saying is mine but all they send back to me Is a letter stating as I already know they collect for and it has an account number and amounts which isnt validation! Please help with this company!
Consumer complaint received 2018-05-20
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: Experian Information Solutions Inc. (IN)

I have contacted XXXX Experian and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX  several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (IN)

I made an initial purchase with Synchrony Bank in XX/XX/XXXX of XXXX. I was given a 24 month financing with no interest. Between XX/XX/XXXX and XX/XX/XXXX my payment was XXXX In XX/XX/XXXX I made another purchase of XXXX I was told that it was no interest if paid off within 12 month. I was told in the store that the payment would automatically calculate to payoff within the promotional period. 

The first statement after the next promotional period came and the payment was now XXXX. I added up the total balance of the card and the entire balance would be paid off by XX/XX/XXXX with a XXXX payment. There was no discoluser that made it clear how the payment would be applied. I have been making auto payments of XXXX since the second purchase assuming that the payment was first being applied to the balance that would expire first then being applied to the rest of the balance and that my payment would be XXXX until XX/XX/XXXX. This is how other Synchrony bank account I have had with promotional balances work. Today I realized that payment has been continuing to apply XXXX dollars to the XX/XX/XXXX balance and XXXX going to the balance expiring in XXXX of XXXX. I called to ask why how I was supposed to know that is how this payment would be applied since I was told something contradictory in the store and the math worked out and was told I would need to call them to know. This is not an acceptable answer. I difference of this promotion v. the initial promotion in how the payments are calculated should have been more clear. I am now going to have to pay for XXXX in one month to pay this XXXX dollar purchase that was supposed to be split up over a year off without interest. The balances are shown on the statements but are on the 2nd page and I get the statements electronically and there was no warning about the promotion expiring soon.
Consumer complaint received 2019-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Ive been a customer for several years & I've always paid on time & the full balance. Well for the past few months they have been charging me interest on something that has already been paid for. I talked to a rep & they couldnt figure it out to explain it to me but they know theres a problem. I closed the account cause I dont trust them anymore. It goes back to XX/XX/2018 till now.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

( Pls note that it takes at least 1-2 hrs of waiting on the phone to reach anyone in HSBC Dispute Dept.  ) On XX/XX/XXXX I notified HSBC dispute department re an amount of {$600.00} that I wanted them to put into dispute. I then received a letter dated XX/XX/XXXX confirming that HSBC had followed thru and temporarily credited my account {$600.00}. Then on XX/XX/XXXX, I went to court about the dispute and the Judge ruled in my favor that the {$600.00} ( plus court costs ) should be paid ( back ) to me by the defendant. I immediately notified HSBC dispute department ( on XX/XX/XXXX ) by phone that the court had ruled in my favor and to please keep the dispute amount credited to my account. The Dispute dept. rep. also told me to write an email explaining everything to HSBC along with copy of the court document, which i did immediately. In my email, I stated that esp. because of winning my court case, they needed to keep the disputed amount credited to me. However, despite all of this, I received a letter from HSBC dated XX/XX/XXXX, that " After careful review of your dispute, we have determined that we do not have sufficient documentation/information and are unable to purse this matter further. We have placed this charge back on your account. ''!!! I immediately called HSBC Disputes - spoke to the same rep again, and asked why HSBC HAD COMPLETELY IGNORED THE LEGAL DOCUMENT/PROOF AND MY REQUEST! The rep said they had incorrectly interpreted my email!!!! And without even bothering to ask me, decided to put the entire charge back on my account!! The rep then said I should write yet ANOTHER email telling them why THEY had made the mistake!! But then, a week later, i received a final letter from HSBC dated XX/XX/XXXX basically saying that it was too late. The defendant had cashed the money and " We have removed this item from dispute and consider it resolved. ''!!! NOW, I have started to pay legal fees to recoup the money and don't know how much I will eventually have to pay to get the money back. So besides this complaint I AM DEMANDING THAT HSBC START COMPENSATING ME FOR THE ADDITIONAL LEGAL FEES I MUST NOW PAY ( beginning with {$43.00} ) - FOR WHAT WAS A COMPLETE & UTTER FAILURE ON THEIR PART! How does such a major bank have such a dangerously incompetent Dispute Dept.???
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2019-07-24
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc. (MO)

I received a call XX/XX/XXXX from a company identifying itself as XXXX. I talked to a woman named XXXX. She stated that I owe a debt to Advance America for a payday loan that I defaulted on in XX/XX/XXXX in the amount of {$1000.00}. I told her I hadnt received anything in writing about this debt and she said they dont send out notification. She stated that if I didnt pay the amount in full I would be served legal papers suing me for that amount plus legal fees which could make the amount about {$6000.00} in the end. I told her I could not pay the full {$1000.00}. She stated I could pay half and then make payments biweekly. I set this payment up with her. I received an emailed receipt from XXXX. I have reason to believe this could be a scam. So I called back XX/XX/XXXX to talk to XXXX and requested verification of debt be sent to me. She refused saying that they are not a collection agency so they are not required to send a notification. I told her I would not be paying this debt due to the threatening nature of the collection unless I got something in writing.
Consumer complaint received 2019-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (WI)

Americollect called me and told me about a debt that I had I was very on sure if it was my debt so I asked them if they could sent me a validation letter asking for that what this debt was for and what I was paying them for that was back in XX/XX/2019. I have not yet received anything and I have asked them repeatedly to send me something. When I would ask this would be when they would ask for money. What I mean is I am am already paying them {$330.00} dollars a month and they still call me asking for more money from me but still they do not send me anything to validate my debt. The last time I asked them was In XXXX and I called them for it. Still Nothing. Now I am still paying them {$330.00} dollars a month and I don't even know if this is my debt. I can not to keep paying them this ridicules amount of money my family and I can not afford it. I am a family of XXXX making less then XXXX and they know this but that is what they said I had to pay or they where going to said this over to their lawyers and sue me.Not only that the woman was horrible mean to me when I started asking questions about my bill she said I had to pay that amount. They say they are the nicest people but they are not at all good to people by any means.
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX PERSONAL CHECKING/SAVINGS ACCOUNT - XXXX I can't close this account and Bank of america are charging this empty account monthly fee 's. I will of course not pay and wish this investigated by grown ups. If any other government agency can help me with all my problems with bank of america I ask the complaint be referred to them. They owe me about {$3500.00} already.
Consumer complaint received 2019-03-28
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: CITIBANK, N.A. (AZ)

On XX/XX/2018 I received a fraudulent inquiry on my XXXX credit report titled XXXX/cbna. I called the home Depot that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to XXXX to remove the inquiry. After 2-3 months of no change to my credit file, I called home Depot once again. They created and fraud case and requested that XXXX remove the inquiry. No change once again. I called XXXX numerous times and they consistently advise that I need to contact lender. I faxed XXXX a police report, FTC affidavit, copy of letters the home Depot sent to XXXX, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX bank/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/cbna. I constantly called XXXX and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (GA)

This account is inaccurate and an FCRA violation. AFFIRM INC # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Please honor all request of documentation.
Consumer complaint received 2019-07-24
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 — Problem with personal statement of dispute
Company: College Foundation, Inc. (NC)

I have had this student loan over 15 years. Never have been forgiven on any student debt when others have. My area has been affected by hurricane Florence in XXXX of XXXX. I almost lost everything. In XXXX of XXXX, i made a {$250.00} and was told i would be given a forbearance. It is XX/XX/XXXX today and they have flagged my account 60 days past due which should not be there as i was told i would be given a forbearance. Im trying to close on a home equity line of credit which will enable my family to get back on their feet and also pay the XXXX College student loan out. This is the most deceptive treatment i have ever received and nobody their will discuss their mistake which is adversely affecting myself and my family.
Consumer complaint received 2019-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

We filed a claim at an atm for {$800.00} which was fine until today. Now they are saying they cant verify that we never got the money ... .even though we called that day and gave them the receipt number and what it said. If it was {$20.00} that would be one thing but I am not going to lose {$800.00} bc the bank cant figure out how to correctly do their job. They can look on the camera and see we never got our money.
Consumer complaint received 2019-03-28
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cottonwood Financial Ltd. (IL)

I received a call from a woman named XXXX who is collecting a debt for Cottonwood Financial ( or The Cash Store ) and she repeatedly talked over me. I explained to her that I did not want her to ever call me again and she continued to speak over me. I asked to speak to her supervisor and she was even worse. I tried to ask for the collection agency she worked for and all she said was XXXX. I dont normally answer a Texas phone number however I was in my car and answered it, and she immediately started to be hateful once she found out I did not have a job to pay the debt.
Consumer complaint received 2023-01-13
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: Experian Information Solutions Inc. (FL)

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION (RI)

My mortgage company, BB & T recently mailed me a letter stating that they have changed the tax payment frequency of my escrow from quarterly to annually in order to take advantage of a 2 % discount that my municipality offers if real estate taxes are paid in full. This has caused a significant shortage in my escrow, and after researching all last night, Im afraid that Im going to be stuck with the only options that they have given me. I never requested a change, have never been late on a mortgage payment, and Im beside myself right now because I believe my options are limited. I will try to provide as much info as I can, and round numbers. 

I bought a house about 4 years ago for XXXX ( XXXX loan and XXXX down payment ), and right now Im at about 0.83 for a LTV. My mortgage payment has always been around the same amount with slight fluctuations after an escrow account recalculation, but nothing drastic. Only this time, because of the one lump payment, theres a shortage of about {$3500.00}. They have given me 4 options : 1. An extended shortage spread of 24, 36, 48, or 60 months. They state theres no fee assessed with this option, but they dont state whether there would be interest or if Im going to be in perpetual escrow shortage again next year 2. Repay the escrow shortage in full ( which I could have probably done if I hadnt just bought a new car recently, which is why Im in a panic ) 3. If applicable, you may qualify to remove you escrow account. 

4. Have my mortgage payment go up $ 300+ a month over the coming year My Escrow Account Disclosure Statement usually comes in XXXX, but because of the shortage on the escrow due to the lump sum payment, they reevaluated it earlier and Im receiving it in XXXX. There doesnt seem to be much info on this, and from what I found [ 1024.17 ( k ) ( 3 ) ], the Consumer Bureau only encourages, but does not require, the servicer to follow the preference of the borrower, if such preference is known to the servicer. So, in order to save me about {$100.00}, my mortgage company is throwing my finances in total disarray at the last minute. 

I just got off the phone with them ... after talking and getting transferred to various people, apparently there really isn't anything I can do. I can't drop the escrow because i still have PMI. They said that they will not/ can not revert back to quarterly payments ... even though if my municipality were to remove the discount, they would have to revert to installments. They said I can dispute it by sending a letter to a PO Box ( no email or phone ), and would have to wait and hear back. If I extended the shortage spread to say 60 months, I will be in a negative escrow for the next few years, and refused ( or didn't know ) how that would impact my escrow payments in the following years. One of the ladies I did talk to said that they've been fielding similar calls all day.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (IA)

There is an inaccurate collection from mrsbpollc, originally XXXX XXXX, for {$710.00} showing up on my XXXX XXXX. 
When I pulled my credit file, the debt isnt showing on it, giving me no account number to reference for a dispute with XXXX. 
Ive never had an account through XXXX XXXX and it needs to be removed immediately.
Consumer complaint received 2023-01-13
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)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and correct or remove these from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX