davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

This excerpt is a followup fax/email to Select Portfolio Servicing Mortgage company : This letter is a follow-up to my initial identity theft notification dated XX/XX/2019, in which I have been instructed to do by governmental investigative law enforcement agencies and NGOs, e.g. ID Theft Center. This process is tedious and confusing at times but requires that I provide any and all pertinent information needed to conduct an investigation. That any and all creditors, credit bureaus, collection agencies, and financial institutions be provided information to protect their businesses and beware of this fraud case in preparation for prosecution of those responsible. The third step is to see if my accounts are eligible for any extensions, payment arrangements, the placement of collect suppression orders, deferment or any applicable hardship programs to give me time to catch up on payments and correct negative entries on my credit report. I have accomplished these steps as outline below : ***Federal Trade Commission Affidavit , # XXXX ***XXXX PD , Economic Crimes Unit , XXXX XXXX ***Consumer Financial Protection Bureau , XXXX XXXX This XX/XX/2019 notice is to determine the status of my account ( s ) with various creditors germane to hardship programs as part of this recovery process. As  per instruction my XXXX  XXXX XXXX ( XXXX  ) checking account ( s ) from which all creditors are paid, to include XXXX cards and automatic payment setups have been canceled. My XXXX XXXX pension fund has been notified and steps are being taken to get me back on track. A process to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. Im disputing this activity and negative entries that de facto deny equity access to low interest ( % ) loans.
Consumer complaint received 2024-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WESTERN ALLIANCE BANCORPORATION (OH)

Alliance Association Bank XXXX XXXX XXXX Bank ) is the company that my HOA uses for online payments. On this latest payment ( XXXX ) they started charging a {$2.00} a month fee for ACH transfers. Those transfers are " generally low cost or free '' according to XXXX. 
This is a cash grab and nothing else. They are stealing from hard working families just to line their own pockets. XXXX {$36.00} a year from EVERY house in a development times the number of developments that they service, All my other loans, credit cards, or subscription services have NO FEE for the same service. Their ACH fee is higher than the credit card fee ( 3 % ) for the same payment.
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

Account XXXX XXXX. 

Ally banks call center supervisor XXXX refused to provide me with the necessary information that was required for my banking needs. 

I called and asked a bank representative to add in my external bank account details. Later I found out that the representative put the wrong external bank account details. 

I called the bank and I was told the bank will send two small deposits to my external bank account for verification. I was confirmed that this two small deposits will now be marked as a default transfer as the bank account details are incorrect. ( something that is not my fault ) A supervisor named XXXX took the phone call. I asked her what the banks criteria is for next business day delivery for ach transfers and if this wrong account numbers put by a bank representative over the phone will affect that criteria. XXXX refused to provide that information.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2024-03-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am enclosing the documents for your reference. I request that the bureau begins an investigation into these accounts, as they consistently show no late payments, contrary to the reported information.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a home loan with XXXX XXXX XXXX XXXX in XXXX in XXXX Bank of America took over the account due to some legal issues with XXXX XXXX XXXX XXXX in XXXX the home went into foreclosure at that time I move to XXXX XXXX Bank of America in XXXX reported on my credit report that it was a eviction the eviction is not correct it was foreclosed I move to XXXX XXXX and did not stay in XXXX the information provided by Bank of America is incorrect and I want to have that information removed from my Consumer Reports I was told that I had to contact your Bureau in order to have it removed Bank of America and XXXX XXXX XXXX XXXX have already removed the information from my credit report but it is my understanding that it is still on my Consumer Reports please look into this matter and have the information corrected and removed it is showing that it should be remove according to credit reporting agencies in XXXX or XXXX of this year I do not want to wait to have incorrect information removed from my account
Consumer complaint received 2021-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX As much as a year ago Midland Credit Management ( MCM ) contacted me by telephone attempting to collect an amount owed in connection with XXXX XXXX/XXXX XXXX. During the call I denied the obligation as it was described to me and requested to receive documents regarding same by mail. 

On XX/XX/XXXX, I received a collection document from MCM ( account number XXXX ) identifying the purported creditor ( XXXX XXXX-XXXX XXXX ) the purported amount ( {$1700.00} ) and the debtor address ( XXXX XXXX XXXX XXXX, XXXX, PA, XXXX ). None of which I had anything to do with and all of which were news to me. This letter was sent to me at my current residence address XXXX XXXX XXXX, XXXX, Tennessee, XXXX and forwarded to me at a temporary address in New York. 

That same day, I responded to MCM ( letter attached ) categorically denying the obligation to be mine and requested MCM send me documents or other information upon which it was relying to falsely claim the obligation was mine. I have received none of the requested materials. 

On XX/XX/XXXX, I received a collection document from MCM offering to discount the amount owed if paid in full. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

On XX/XX/XXXX, I received collection document from MCM and none of the requested materials. That same day I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim. 

Today, XX/XX/XXXX, I received a collection document from MCM and none of the requested materials. Today, XX/XX/XXXX, I responded to MCM ( letter attached ) repeating my denial and request for documents or other information supporting its false claim.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I have 3 accounts that have been fully paid off and i keep getting the run around. they jeep telling me it reports on the next billing cycle. they have been paid off for over a month now in full. i have contacted the companys several times and there have been no positive reporting witch is pulling down my credit. none of my reports are matching up XXXX never matches XXXX XXXX, so my scores are less when i should be over 6 on both my reports. its exstreamly fustrating especially when things are paid on time.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MA)

I paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2019 - 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-10-11
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: ADP, LLC (NC)

On XX/XX/2019 I tried to use my card issued by XXXX to Global Cash Card and was not able to. I called and was told that two online purchases had been made with a XXXX in XXXX, NC. ( I live 100 miles away ) in the amounts of XXXX and XXXX. I informed BOTH XXXX and GlobalCashCard about the removal of funds from my account. Global Cash Card sent me an affidavit ( via mail ) to fill out and return with the police report from XXXX Police Department. I received a response in the mail that there was no error and no credit would be issued with no documentation of how they came to reach that decision
Consumer complaint received 2023-02-10
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)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Consumer complaint received 2019-07-11
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. (TX)

On or about XX/XX/19 I received a notice from myfico.com that my Equifax score had dropped 20 pts. the association given was a hard inquiry by XXXX. I do not nor have I have applied for credit with XXXX. I immediately contacted Equifax to file a dispute. Some time later I contacted Equifax by phone after being unable to access my credit file through their site. I was told that XXXX upheld the hard inquiry and that I would have to contact XXXX to have it removed. I did so and XXXX repeatedly gave me the run around stating I had to know how I applied with XXXX to have it removed. Even though I repeatedly told them I had made no inquiry. I was also told by XXXX that I needed to give them all of my addresses and my social security number so they could determine which XXXX location ran my credit. I finally refused and told them they needed to remove the inquiry as I didn't authorize it. I was eventually sent an email from XXXX XXXX stating the inquiry would be removed. However, Equifax continues to state the inquiry was upheld by XXXX and my credit score is still the same.
Consumer complaint received 2019-10-11
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)

XXXX  and Transunion are reporting incorrectly that I am ( 60 )  days late on the XXXX/XXXX 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 with 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 ( 2 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (TX)

I opened my checking account on XX/XX/19 under the ' {$200.00} Checking Bonus ' for new accounts that receive a direct deposit of {$500.00} or more within 60 days. BBVA confirmed my qualified direct deposit posted on XX/XX/19 and the 90 day qualification period runs through XX/XX/19. 

I have not received the {$200.00} bonus promotion in my checking account at this time.
Consumer complaint received 2019-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IN)

Fist thing I am on fixed income my payment is late every month I have tried to get them to change my payment date they will not they said they change it once but it was a bother company and they change it years ago when I got hurt on job. Now they are always saying I missed a payment when in fact I did not I call in it is always I different date. And then I needed help with my taxes so I got escrow that and hazarded ins that cost XXXX I made a deal with them I would pay XXXX more a month and I have been doing this for two half years and now they are telling me I owe them XXXX and I have to start paying more XXXX and I have been paying XXXX all that money has disappeared they will not help you get different woman every time that looks at my loan and they can not figure it out I messed one pay and I called them next three payment I pay XXXX three times to catch up and I did now I am getting letter they are going to for close on me and I am not missed a payment they bought my note and my life has been living XXXX call none stop home phone and my cell phone Bayview loan servicing XXXX. XXXX XXXX XXXX Florida escrow Department. Bayview servicing XXXX. XXXX XXXX XXXX tx XXXX phone XXXX XXXX XXXX they will not help they say they will and then I always get litter forclose on me I have tried everything XXXX XXXX
Consumer complaint received 2018-05-03
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: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I have reached out to all 3 credit bureaus as well as Toyota Financial to have my credit report updated with no resolution. I purchased my car ( XX/XX/XXXX Toyota Corolla ) brand new onXX/XX/XXXX. My vehicle was repossessed and redeemed in XX/XX/XXXX. My contract was satisfied XX/XX/XXXX however this item still shows negatively as a redeemed repossession. I was told ( by the credit bureaus ) that items stay on my report for 7yrs from first reported delinquency but this repossession is 10yrs old. I confirmed this with Toyota who says they haven no control over how long the info is on my report but they have total control. Why are they reporting my loan only for the last 6months of the lease which makes it look like it's 6yrs old as opposed to the 10yrs since it was actually first reported delinquent and repossessed. They keep updating reports on my report but that info is incorrect. This loan goes back to XX/XX/XXXX. I am trying to resolve this without dealing with either parties mentioned again directly and I am currently waiting for my account history in the mail ... if needed.
Consumer complaint received 2021-06-15
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)

Experian refuses to follow bankruptcy laws. Accounts were discharged in my chapter XXXX filing. XXXX XXXX was of those accounts discharged. XXXX has updated my credit file correctly, however Experian has both XXXX XXXX accounts listed as delinquent. They refuse to allow me to dispute these already fraudulent accounts under bankruptcy now. These accounts were XXXX in my filing XX/XX/2021, I notified Experian of this information. They refuse to update these accounts which is causing damage to my credit file. I do not have any open accounts as they were XXXX and the balances have been marked {$0.00} Experian is the only company still reporting accounts with balances and refuses to mark the accounts chapter XXXX
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX 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 connot furnish an account without my written instruction.
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (DC)

Synchrony lowered my credit limit without my knowledge and even though my credit score has only gone up since I opened the account. I had a recorded phone conversation in which they stated they received notice from XXXX on XX/XX/2019 that I had high risk factors. They have had until today, XX/XX/2019 ( almost a month ) to notify me of this and yet I have still have seen nothing in the mail. I only have knowledge of any of this because I went to make an early payment ( Ive made several ) in an effort to lower my balance to improve my credit score. Their adverse action will lower my credit score and cause me undue harm. Their lending has proven to be predatory and dishonest ( see their XXXX star rating and customer reviews ). Im investigating bringing a Class Action Law Suit against them as Im clearly not the only person who has experienced this according to the multiple complaints on the XXXX and even on here.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.
Consumer complaint received 2021-06-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting two lates on my account in XX/XX/19 and XX/XX/19 that should not be there. My ex wife missed the payment and I was never notified from XXXX XXXX that there were any lates, I didn't even know I was on the loan. As soon as I found out about the lates I went and paid them but they were already reporting late to my credit. This is not my fault.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

The account is reporting inaccurate information. It is reporting Chargeoff but there is a monthly payment reporting. Also, the date last active on all 3 bureaus are different. XXXX  is reporting XX/XX/2018, XXXX   XX/XX/2018 and XXXX XX/XX/2018. All 3 should report the same date if not it means the information is incorrect. 

Lastly, there should be no late payments reported once the account is closed and I see the payment history listed with repetitive CO marks which is a violation.
Consumer complaint received 2019-10-11
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 and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX 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 with 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 ( 2 ) bureaus to remove this however, I have not been  successful.