davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/19 I normally use a XXXX, XXXX or XXXX card and pay those each in full every month. At times I might make a large purchase then return all or a portion of that purchase after the statement date. When this happens, the amount due for that statement period is reduced. But not with the BOA card. Here 's what happened. 

My statement came out on XXXX. Shortly after the statement date, I returned a {$1500.00} purchase, resulting in a new outstanding balance that was {$1500.00} lower than my statement. My BOA card was set up to autopay the full amount due which I assumed was now {$2000.00}. However the payment was still set to {$3500.00}. I was going to manually edit the auto payment but to be safe, I called BOA the day before the payment was due to see if the {$3500.00} amount had to be paid in order to avoid interest. They said that interest would be charged if the {$3500.00} wasn't paid! Ridiculous. So now, after my payment is made, I have to call them and ask them to refund my credit balance. They get to use and earn interest on my {$1500.00} and I'm inconvenienced by having to call them yet again. This seems illegal to me, that they can use and earn interest on my money. No other card I have ever had does this.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (TN)

Law offices of Mitchell D Blum and associates on behalf of XXXX XXXX XXXX  of Ga. Ive been contacted by this and other companies regarding the same account. Ive denied these charges for many years. Ive successfully disputed it off my credit report and now its back under a new collection company.
Consumer complaint received 2019-09-23
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. (TX)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Consumer complaint received 2015-12-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (MD)

On XXXX XXXX, XXXX, I filed for bankruptcy chapter XXXX which included my mortgage company Flagstar Bank as a creditor. I never reaffirmed any debt with Flagstar Bank as they did not attend the meeting of the creditors. My chapter XXXX was discharged on XXXX XXXX, XXXX. In XXXX XXXX, I contacted Flagstar Bank to request a loan modification, which at this point I was only month behind in payments because of lost wages due to XXXX and prior injuries. I submitted all requested documents to Loss Mitigation at Flagstar. I resubmitted other documents as requested to Flagstar along with current bank statements as needed. In XXXX XXXX, Flagstar Bank filed for foreclosure with the XXXX XXXX XXXX XXXX. In the Preliminary Loss Mitigation Affidavit, Flagstar stated that the loan modification was denied because I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX which disqualified me for FHA modification and HMP. I did not file for chapter XXXX on XXXX/XXXX/XXXX. My chapter XXXX was filed in XXXX and XXXX in XXXX. Again at the time of my modification request I was qualified for a FHA modification and HMP as I was only a month or two behind in my payments. Additionally, Flagstar Bank violated bankruptcy laws as they continued to contact me demanding payments after I filed chapter XXXX via telephone, mail, emails, etc. In XXXX XXXX, a mediation hearing was held at the XXXX of Administrative Hearings. Again, Flagstar refused to modify the loan. To date, foreclosure proceedings are still pending with the court and all attempts to modify the loan were unsuccessful.
Consumer complaint received 2020-09-11
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. (GA)

XXXX and Experian are fraudulent on my credit accounts : DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is  fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX DEPT OF EDUCATION/XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2019-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SUNTRUST BANKS, INC. (VA)

The final payment for the Auto loan was made to SunTrust Bank on XX/XX/XXXX. The payment was on time and they are reporting this as 30 days late ( 1st problem ). 

We have not received the title. I co-signed on the loan with my brother in law and he reached out to them on XX/XX/XXXX and the said they would send a copy of the title nothing was sent. 

I contact Sun Trust on XX/XX/XXXXand talked to customer service representative by the name of XXXX and he told me he could not access the account and provided me with the Dispute number for credit and that the DMV would have the title. 

On XXXX I spoke with XXXX XXXX and she has stated there is no late payment showing and that she would forward the back up to me. This will take about 30 days. She is showing the title with the DMV. 

XXXX - Contact the DMV and they are telling me that I can not get the title because Sun Trust has a lean on the title. 

XXXX - Called customer service on the title and spoke with XXXX, He said after the previous request there was no additional information sent to us. His notes show that they let the DMV know the title was clear and they were not able to re-submit information to the DMV. He resubmitted a request to send documentation to us. 

This loan was paid in full under the terms and we are not able to get a copy of the title. Additionally, I want to ensure that any and all notice to the credit agency state we are late in paying are corrected. They have mine as showing 30 days late on the final payment and my Brother in law is showing paid on time. 

Thank you for your assistance.
Consumer complaint received 2019-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

I have been trying to verify a debt on my credit report for over a year now. Transworld Systems Inc has refused to send any documentation regarding this debt and has been very difficult when trying to make settlement offers. I have evidence that this debt is not mine and they have not been very helpful. I have even offered a settlement amount just to get this off of my credit report. They will not lock in an amount. They keep changing the agreed amount and refusing to send a written agreement. Every time I call it is the same two women that answer one name I can not pronounce or spell and the team lead is XXXX XXXX. I have asked if they could email, fax or mail documentation to me. They state that they have mailed documentation to me on XX/XX/XXXX, but I have yet to receive anything. According to them this debt is from XX/XX/XXXX for {$7900.00}. I have faxed, mailed and attempted but they refused to email them documentation proving that this debt was not mine, I have provided them with proof of residency, and everything else they have asked for. But when I spoke to them last week they stated they only received my social security card and a letter of concern in XXXX. They just informed me on XXXX XX/XX/XXXX that they are going out of business. I have even reached out to XXXX the original account holder and they stated that after two years they archive their accounts and that there is not account associated with my name or social security number. 

I have even sent dispute letters to all three credit bureaus as a last resort so far XXXX has deleted it, and stated it is not my debt. I am just waiting for XXXX and XXXX to do the same. 

This company has been very difficult to deal with. Always stating that they need to speak with XXXX first before accepting a settlement amount. They will agree to one amount at XXXX and then by XXXX the amount has increased.
Consumer complaint received 2019-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

XXXX, Experian, XXXX are reporting that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is incorrect. On XX/XX/XXXX, {$1200.00} payment was made. XX/XX/XXXX there was {$1200.00} payment that was made and in XXXX there were payment of {$1300.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. The due date is the XXXX of every month, so these payments were not 30 days as it is being reported. 


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

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-15
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. (IL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
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. (IL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

XXXX, Experian, XXXX are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

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

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

I opened a " premier checking account '' with Wells Fargo. I've been trying to make an international wire transfer for a over a month now, I've done everything they asked me, they have transferred me to 5 different departments and no one knows what's the issue with my account, every agent just tells me there isn't anything I can do for you, no one cares about my situation and at the end of the day my money is locked in their bank
Consumer complaint received 2024-04-05
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (NH)

I am writing to file a formal complaint against Strategic Financial Solutions, XXXX XXXX, and XXXX due to fraudulent practices that have resulted in significant financial loss and emotional distress. In late XX/XX/XXXX, I engaged with Strategic Consulting in an effort to better manage my finances. Unfortunately, this decision led to an agreement with Strategic Financial Solutions, who then involved XXXX XXXX and XXXX for handling my payments, under the promise of providing substantial debt relief and financial improvement services. 

Details of Transactions and Lack of Services Upon signing up for their services, I was assured of receiving guidance and assistance in debt management. However, despite my compliance and regular payments totaling {$3500.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No services were rendered. Each payment was made with the hope and understanding that I would receive professional assistance, as was outlined at the initiation of our agreement. Regrettably, not only were services not provided, but my financial situation has severely worsened as a direct consequence of this engagement.

Reference to Similar Cases It has come to my attention that the Consumer Financial Protection Bureau ( CFPB

) and seven state attorneys general have filed a lawsuit against Strategic Financial Solutions for illegally swindling more than {$100.00} million from financially struggling families. This information suggests a systemic pattern of deceitful practices by the company and its affiliates, further validating my grievances and the financial harm inflicted upon me. Impact and Desired Outcome This experience has inflicted significant financial loss, amounting to {$3500.00}, and has placed me in a more precarious financial situation than before my engagement with the companies mentioned. Beyond the financial loss, the stress and frustration resulting from this ordeal have been overwhelming. Given the circumstances, I respectfully request a thorough investigation into my complaint against Strategic Financial Solutions, XXXX XXXX, and XXXX. I seek a full refund of the amounts paid to these entities, amounting to {$3500.00}, along with additional compensation for the financial turmoil and emotional distress caused by their actions. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and undertake appropriate measures to investigate and rectify the situation. I am willing to provide further documentation and details as required. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for Bank of America Credit Card. 

Bank of America sent me letter that there is problem getting my score. 

When I contacted them they said I have fraud alert on my credit file and I need to add phone number. 

I tried with Credit Bureaus and I was unable to add phone number after several attempts. Their website keeps giving error. 

Now I see hard enquiry on my account from Bank of America. 

At this point my credit card has not been APPROVED or DENIED. 

I requested bank of America to withdraw application and remove hard enquiry since I am withdrawing it before decision being taken on my account but Bank of America says they cant remove that hard enquiry. 

Therefore, my request is to either 1 ) Take decision since hard enquiry has been made or 2 ) Remove hard enquiry from account since as per BOA, I have fraud alert on the account.
Consumer complaint received 2019-07-08
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: BMW Financial Services NA, LLC (FL)

Hello, So I have looked into a car a while back ( XX/XX/2018 ). I was looking at a XXXX XXXX XXXX and The sales person ( which with seducing sales tactics tricked me ) ran my credit in 12 different places!! Just so I can buy the car the " best possible '' terms. I ended up not getting the car and I am now buying a car cash, finalizing its paperwork after 1 year ( saved up for it so I wouldn't use my credit ). The dealer was a XXXX in XXXX and the sales person name was XXXX XXXX - XXXX ( PLEASE DON'T POST NAME AND LOCATION ) The dealer manager even called me and asked forgives and how they could make this right. I didn't know the effects of it at the time. I understand that I was not told or in written explanation that my credit would run 16 times for inquiries to get best rates possible. Very unethical. Not looking from anything from the finance company, but only needing to get this out of my reports. 

I am now finding out about credit and learning about all my possibilities and the importance of it for the past few months. I was a great student in college and I have been doing well in business, even helping out my family. Now, I am not shopping for credit but do see the importance of improving it, so I am here requesting this to be out of my account.
Consumer complaint received 2024-03-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2023-03-21
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. (IL)

I reviewed another copy of my credit report and noticed the following information regarding inquiries to be in error. The items listed are all unauthorized inquiries. They have pulled my credit report without my permission. I sent a dispute letter and a complaint letter to each company as well as Equifax and XXXX XXXX credit bureau without receiving a response. Below are the dates and the name of the companies. XXXX XXXX on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ).. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I have not applied for a mortgage nor a car with this company. The unauthorized inquiries were not a result of an action that I took, such as applying for credit or financing or as a result of a collection. The inquiries shown on my credit report are not a factual record of the companies who have accessed and reviewed my profile and should not have logged onto my credit report. This activity should not remain on record. I want the inquiries off my credit report. I did not sign and request any credit for any of the four places listed above. I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized and are not able to verify that the inquiries were initiated by me .Also I have not received any responses from them for over 60 days now. Kindly investigate my claim per the Fair Credit Reporting Act. for the unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address I provided.