davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
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. (SC)

I am a victim of identity theft and Equifax has not removed these fraudulent accounts after I have submitted all the necessary reports to get them removed. My credit scores are suffering as a result of these accounts still being on my credit report.
Consumer complaint received 2018-08-27
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. (NC)

Under FCRA & FDCPA all disputes must be deleted if creditor does not respond in the 30 days of receipt of the dispute. 
-- -- -- -- -- -- -- -- -- -- -- - Experian will not delete nor remove this item from account ever when I provided proof under FCRA. 
-- -- -- -- -- -- -- -- -- -- -- - On XX/XX/XXXX, XXXX XXXX received ( certified mail ) my debt validation request. I did not receive a response from XXXX XXXX until XX/XX/XXXX Please note : Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors could not verify the information within 30 days time period, they MUST delete and remove all of the disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} find per un-deleted item.
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

My debit card was " duplicated '' and used to place fraudulent charges on my bank account in both mine and another US state ( I have the original card in my possession ). In attempting to place a fraud alert on my accounts with the three credit bureaus, the following problems occurred : XXXX appears to use a third party to take sensitive, identifying information and report the information to them. One must input or say your social security number, name, date of birth and other sensitive, identifying information over the phone or online to an automated system. Experian and XXXX also require the same information, but the information appears to be handled by them. XXXX   announced in XX/XX/2017 that its accounts were hacked. There does not appear to be ANY agency who has a live person available to help a consumer decipher the safety of its accounts. Secondly, why do these companies require a consumer to use their social security number as identification when it clearly states on MY social security card that this number is NOT to be used as identification? Who really protects the consumer with this wide-spread problem? And how do we know our information is secure when reporting online or by automated phone services?
Consumer complaint received 2018-08-27
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. (TX)

My credit report with XXXX XXXX indicates I was late 30 days XX/XX/XXXX and late 60 days XX/XX/XXXX. The account was paid in accordance to the agreed amount on XX/XX/XXXX. XXXX XXXX failed recognize the agreed amount was paid until XX/XX/XXXX.
Consumer complaint received 2022-03-10
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2019-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed XXXX, XXXX XXXX and Experian showed Chapter XXXX Bankruptcy that I find to be problemat. 

I contact XXXX XXXX records and asked them to take action to get this Bankruptcy removed from their records and to erase any public record with all credit reporting agencies. They assured me they do not report any Bankruptcy to any of three agencies.Whatever steps necessary to resolve the issue, but I wanted to contact XXXX XXXX records well, just to make sure this gets done. I have confirm that three agencies use a third party like XXXX to do there investigation. All three agencies has incorrect information and they need to full investigation. 

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Consumer complaint received 2018-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to TransUnion on multiple dates to dispute inquiries that I did not authorize. 

Inquiries which I have no knowledge of and did not authorize are as follows : XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX   XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

XXXX is reporting a XXXX dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed XXXX  dollar payment
Consumer complaint received 2022-03-10
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. (TX)

XXXX XXXX illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by XXXX XXXX. 
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not gave consent to any consumer report agency to furnish my consumer report. 
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Consumer complaint received 2018-08-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (VA)

My mortgage loan was recently transferred to Fay Servicing. Account Manager I am assigned XXXX XXXX extension XXXX. Email is XXXX. His manager is Mr. XXXX email is XXXX I have explained in the past month that we have a permanent HAMP modification on our loan. Under HAMP guidelines we are in good standing with our loan as long as we do not go over 90 days late.

We have never gone over 90 days late. However since our loan was transferred over Fay Servicing issued us a notice of default before we were 90 days late and now refuse to accept our monthly mortgage payment. They are stating we need to make all three months payments or they will not accept payment. 

With them not accepting our mortgage payment this month after XXXX ends we will be in default under HAMP as our loan will be over 90 days late. We currently owe for XXXX, XXXX and XXXX. We have been attempting to make XXXX 's payment for the entire month of XXXX with no success. 

I have explained this to them over and over and no help has been provided. We never had these issues with our previous servicer but now that the loan has been sold they are not acknowledging that we have a permanent HAMP modification. 

Taken from Making Home Affordable Handbook V5.1 page 136 chapter II : HAMP section 9.4 Re-Default and Loss of Good Standing If a borrower defaults on a loan modification executed under HAMP ( delinquent by the equivalent of three full monthly payments at the end of the month in which the last of the three delinquent payments was due ), the loan is no longer considered to be in good standing. Once lost, good standing can not be restored even if the borrower subsequently cures the default.
Consumer complaint received 2017-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (MN)

In XX/XX/XXXX XXXX XXXX located in XXXX XXXX informed that they were closing the bank for good and that I would have to call in order to close my account and retrieve my funds. I contacted them several times until they finely sent me an online document to sign in order to retrieve my funds. They told me that a check would be mail within 10 days, but I never got the check. I contacted them again in XX/XX/XXXX and received the same answer that they will have someone call me. So I waited until XX/XX/XXXX and called them again and got the same answer. In XX/XX/XXXX they finely told me that a check was sent out and cashed. I asked them what address the check was sent to and who cashed it, but they refused to tell me. They told me that they would be issuing another check and that I would have to contact the fraud department. When I asked to be connected to someone in that department, I was hung up on. after making several more calls over the month I decided to contact the Attorney General Department. To this date, I have not received a copy of the cashed check or been contacted by XXXX XXXX.
Consumer complaint received 2022-07-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

N Accordance with the fair credit act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s 2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-25
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2018-08-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TD BANK US HOLDING COMPANY (TX)

Purchased new vehicle and requested to have credit life and disability added to the loan however, dealership said this is not an option since i am in the military. Was told that the SSRA ( Soldiers and Sailors Relief Act ) prevents them from offering this product to me. Advised dealership that this only applies to active duty military, which I am not. I am a XXXX in the XXXX XXXX XXXX XXXX. Dealership also kept my warranty cancellation refunds and charged additional monies to the loan. Although I have a credit FICO score of around 780, i was still charged a 5 % interest fee on the loan
Consumer complaint received 2018-05-04
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. (AZ)

Filed two disputes with credit repoting agencies concerning items on my credit report which were not veried correctly according to the FRCA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2018-08-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

In early XX/XX/XXXX, a bank statement from Huntington Bank was forwarded to our new address in New Jersey. The Account No. is shown on the attached copy of the statement. We never opened this account. When I called the bank in early XX/XX/XXXX, they said it was opened by someone with a telephone number that is neither mine or my wife 's. The statement claims we have {$9.00} in a savings account. The statement activity is supposed to be from XX/XX/18 to XX/XX/XXXX. In addition, the account was opened in Ohio. Neither my wife nor I have ever been in Ohio. The person I spoke to said the complaint was being transferred to " the investigative team. '' We have not heard back in several weeks and I called again today. 

The person I spoke to said there was no record in their system of my original call. She took the information again and agreed with me that this seems like fraud. When I asked why there was no record of my original call, she said she didn't know. When I asked what was going to happen to the information I provided, she said it was being transferred to " the investigative team. '' We are concerned that someone may be opening an account in my name without my authorization.
Consumer complaint received 2018-08-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

My account ending in XXXX was on a payment plan to make {$70.00} payments every XX/XX/XXXX of the month for three months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.I was informed twice that the account can not be negative for longer then five days, ( the calls are recorded ). My account went negative on the XX/XX/XXXX {$10.00} and was closed on the XX/XX/XXXX. I called all numbers and was told it was closed in error and is out of their hands to open it and it would still be sent to the XXXX XXXX.
Consumer complaint received 2018-10-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bread Financial Holdings, Inc. (FL)

I have received multiple phone calls from different numbers almost daily several times a day. Sometimes back to back with messages being left saying that they have filed to have any and all of my bank accounts seized and do not ignore their phone calls. Call them back immediately as a decision must be made or else further legal action will be taken against me. Sometimes they call saying they are calling on behalf of XXXX XXXX but leave very long detailed messages on my voicemail which is not proper nor is it lawful. They call me from various numbers like ( XXXX ) XXXX and tell me to call back XXXX they also call from ( XXXX ) XXXX, ( XXXX ) XXXX. They have also blocked their number on several occasions as well and left the same detailed message on my voicemail as well. They never say where they are calling from and just immediately begin to go into full detail about what ; s going to happen to me if I don't call them back. I have blocked several numbers but they will either call from a different number or block the number and call. They also call me all day long on Saturday Sunday from XXXX to almost XXXX XXXX XXXX XXXX. It is very frustrating and I know my rights. I wants this calls to stop immediately
Consumer complaint received 2018-08-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (WV)

In XX/XX/XXXX, my wife and I took a mortgage with XXXX XXXX  XXXX  in the amount of {$80000.00}. The loan had a 15 year amortization schedule, maturing in XXXX XXXX. After XXXX was acquired, the loan was sold to XXXX and is currently being serviced by Select Portfolio Servicing , Inc ( beginning in XX/XX/XXXX ). Our original agreement with XXXX included the purchase of joint liability credit insurance and we paid those insurance premiums each month. In XX/XX/XXXX, I suffered a severe XXXX that caused me to be unable to work. When we requested insurance relief through this XXXX policy, we were told that we never purchased the insurance, despite the fact that we had payment statements that noted the portion of our monthly payment that went to the insurance premium. 

During my rehab, we requested payment assistance and we were provided with a forbearance for a number of payments over the course of that year. The total amount of deferred principal is {$2800.00} ( 4 payments ). We never signed an amendment to our loan nor any forbearance agreement. What we did not know, and were not informed of, is that getting relief on these payments resulted in {$11000.00} of deferred interest being added to the principal of our loan and for the last 8 years it has continued to accrue interest on top of that. Now, after 15 years of paying down this loan, we were informed by SPS that our outstanding balance was {$29000.00} almost 40 % of the original balance when we expected the balance to be nearly paid in full ( except the payments we requested relief on ). This payoff amount includes the {$11000.00} of deferred interest that was never disclosed to us in any form. Had it been disclosed, I would have been able to decide if we even wanted the deferred payments or if we would come up with the payments in some other way. We can not afford to pay off this amount and we are concerned that we are going to lose our home. 

I requested all of the documents that were part of our mortgage loan file from SPS and they were unable to provide me with any documentation regarding the deferred interest and had very little information regarding our loan at all ( they couldn't provide the original note agreement nor most of the file from before they acquired it ). They were also unable to provide any documentation regarding the joint liability credit insurance. 

I am XXXX years old and a XXXX XXXX veteran. SPS 's collection activity is deceptive and unfair and I think they are trying to take advantage of me because I am elderly. Despite the fact that SPS can not provide any documentation regarding this deferred interest and other fees that have been added to our account over the years, they have stated that they can't do anything about this outstanding amount.
Consumer complaint received 2018-08-27
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. (NJ)

Entered into an agreement to pay $ XXXX/month with XXXX XXXX. Applied for home loan and waas notified that my payment was 120 days past due with XXXX, however, I have bank statements showing the automatic payments come out every month between the 21-23 day and I have not missed any payments. I called XXXX and was told that they were not sure why it showed late payments. I submitted a dispute via certified mail on XX/XX/2018. I have not heard back from them as of today, XX/XX/18. The account is showing that I owe over {$400.00}.
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (GA)

I purchased a vehicle at the XXXX XXXX XXXX in XXXX Florida on XXXX XXXX XX/XX/2018. I initially swiped my American Express Blubird card that i get my direct deposit on. It declined. I got paid that same day. I then used another source of payment. Later on that day i realised that my account was {$700.00} short and the payment was indeed accepted, but it was not in the dealerships ledger. I then contacted American Express customer service and i could not get any information on my account because their " system was down ''. My {$700.00} has been on hold for 3 days. I contacted American Express again this morning and they continued to tell me my money is on hold through an automated system and there is nothing they can do about it. I have car payments and bills, {$700.00} is a lot of money that i need right now, not in 7 days.