davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-15
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I recieved a report from XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX ) XXXX, which indicated a closed account from XXXX  XXXX auto opened in XX/XX/XXXX, but was removed from my credit report in XXXX, due to being older than 7 years I recieved this credit alert from equifax, XXXX in XXXX that it fell off my credit report. on XX/XX/XXXX, I see it's been placed back on my credit report in XX/XX/XXXX by this agency and when I logged in to see Equifax credit report and look at my closed accounts, XXXX  XXXX shows ( Closed Account ) but it's there to view and it's been there for XXXX  year and XXXX  months, so my complaint is why is it there it shouldn't even show, for XXXX  years XXXX months they've had this on my report, I want it removed because eventhough these account show closed, they are still sending out old information that should not be reported. This is causing me to pay more and keeping my credit score down, please enforce this and make them remove any and all closed accounts. Their disclaimer even states that these accounts are removed after 7 years, it's been XXXX, they should remove all of those closed accounts that way this will not happen again, and I'm asking that they be sued because this keeps certain groups of people credit scores down and that's discrimination, its also fraudulent because on one hand their telling us that this information is not being reported it's closed yet it shows up, so they are lying.
Consumer complaint received 2021-06-14
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. (TX)

not mine fcra : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2021-06-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (LA)

Applied for mortgage on XX/XX/2021, appraisal was performed on home in mid XX/XX/XXXX XXXX XX/XX/XXXX or XXXX ). Appraisal was uploaded to lenders applicantion portal for viewing but no copy of the appraisal was mailed, emailed, or others provided to me. 
Shortly after it was uploaded by the lender to the application portal the lender denied the application. At that time my access to the application portal and all documents contained in it was immediately and completely restricted. 
It was my understanding that in accordance with the code of federal regulations 1002.14 rules on providing appraisals and other valuations, the lender was obligated to deliver to me this document. This obligation has yet to be fulfilled. 
The appraisal was made available for an extremely limited time ( days ) in the application portal before my access was restricted. 

I have requested a copy be mailed or emailed to me and provided the needed information to complete that request - I have received no appraisal or valuation documents to date.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I just received a text from Wells Fargo. Saying that I have a negative XXXX  balance on my account. My last posted balance did not get updated after I had made 3 deposits. When I view my transactions, the money for the pending transactions have already been taken out. I deposited a certain amount of money on the XX/XX/XXXX of XX/XX/XXXX, bringing my balance to over XXXX. Because my canoe was due to be taken on theXX/XX/XXXX ofXX/XX/XXXX which would have been XXXX. Which would've left me with a low balance. Not a negative. I had deliberately put that money in my account, because I didn't want a negative balance. I deposit what I need, in order to not go into a negative. Wells Fargo had already taken the other pending transactions out of my account before I had made the other deposits. I had tried to take a screenshot when it was updated. But the security Wells Fargo has on their site does not allow me to take a screenshot. This has happened several times before, and the exercise I was given was their system updates that way, and they can't view what I can't view. So anything I see, is what they see and that's what they go off of and can't do anything about it. Per pending transactions, money is being taken out twice. If the pending transactions have already been taken out of my balance, why keep changing the date of the pending transactions? They don't update the deposits to your current balance. I'm ready to switch Banks is this issue doesn't get solved.
Consumer complaint received 2015-03-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (NJ)

They stated that they are closing the account because of to many returned payments when I spoke to over seas customer service they told us XXXX basicly XXXX strikes and your done. The two payments where done because oh human error and it 's not right that they have so much out source help that do n't know right from wrong
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (TN)

XXXX XXXX XXXX attempted to pay a XXXX city tax in XX/XX/2021 in error for {$630.00}. XXXX XXXX XXXX admitted to the error and stopped payment and recaptured the funds. In XXXX when the funds were recaptured the money was then taken out of the account again. At his point, the {$630.00} is still missing and seemingly stolen. I have contacted the company again today, but this has gone for months. They have raised my mortgage to compensate for the shortage in my escrow and I am out of patience.
Consumer complaint received 2021-06-13
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: AES/PHEAA (MD)

I am the consumer, Fedloan Servicing has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract. According to 15 USC 1692, I do not owe any alleged debt because I am the consumer and Im not obligated to pay. I am an administered agent according to 15 USC 1602 ( o ). 18 USC 8 will provide that information to you. I do not own that debt. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I am the consumer and I am the only one that can validate that debt and it is not mine. Fedloan Servicing did not verify this information. According to 15 USC Code 1681 ( a ) ( e ) it states that you have to do interviews with my family, associates and neighbors, you guys did not do that. You didnt provide that nor any information of anyone that is associated with the consumer, which is myself. Fedloan Servicing also, reported the amount I owe to a third parties without my consent to XXXX, XXXX  and XXXX, that is a violation of 15 USC Code 1666a ( b ). Under the law of my federal consumer vice, I am instructing you right now, according to 15 USC 1681 ( b ) ( a ) ( 2 ) to remove it according to my written instructions. I didnt give you guys permission to furnish any of my information. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2022-03-21
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)

I reached out to XXXX/Experian/XXXX  to remove the texas attorney general 's account from my credit report and they failed to do so. I have tried on multiple occasions to upload files relevant to this removal but the system has been not allowing me to upload documents. I have attached my files to this complaint.
Consumer complaint received 2021-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (IN)

I filed a complaint with this company before and I got a letter from them about the issue and now I have a new issue involving making payments. I logged in to pay off my credit card last month. Instead of the payment going through on that date, they posted the payment date as XX/XX/XXXX. It was showing in pending payments. So, I thought it would go through on Saturday, XX/XX/XXXX. I made sure I had enough funds in my checking account to cover the payment. The payment never went through. I went back to the website and the pending payment is gone and it shows I never made a payment so now I am late which means they can charge me a late fee. This is the issue I had before with this company. This company is fraudulent and actions should be taken. Actions need to be taken.
Consumer complaint received 2021-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (LA)

Dear Sir/Madam Comenity Bank acct # XXXX I filed a dispute with all three credit bureau, XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter on XX/XX/XXXX with a return receipt asking the original creditor Comenity Bank to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to Comenity Bank, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? 
Thanks for your time and consideration in this matter.
Consumer complaint received 2021-06-13
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: Experian Information Solutions Inc. (CA)

Experian just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

I had a verbal agreement with XXXX XXXX XXXX in which they promise me that my supposed balance would be reduced from {$930.00} to {$760.00} if I start with my payments. It happened about XXXX weeks ago. They also told me that after my XXXX payment, I would receive a notification with the new balance. In addition, during those conversations I told them that I would n't give any information about my bank account because I do n't know who they are, so I made my XXXX payment on XXXX XXXX, 2015 using their website in which I opened an account. 
After that point, I never receive the new statement, and I could n't access to my online account, but even worse is that they are saying today that there is n't any settlement, and they are forcing me to pay the whole amount of money again after I started with my XXXX payment which was of {$200.00}. 
If it is a serious company, there should be all of our conversations recorded, and there would be easy to identify who is saying the truth, and who is dishonest. 
To sum up, my initial balance with the original lender was about {$600.00}. Then, after I could n't pay it for a few months, it skyrocket to {$930.00}. Afterward, I agreed to start my payment if the account would be reduced a little bit, and it was reduced to {$760.00}, and later, I paid {$200.00}, so today the balance should be {$560.00}. However, they did not keep their word, and the balance is {$730.00}.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Opened a Bank of America business checking account in XXXX XXXX Tried to open account online via their promotional website but had to talk with their agents over the phone as well. 
After the terms for the promotion fulfilled the bank failed to honor their advertised promotion that is still available on their website. After repeatedly being dismissed and transferred over to various departments when calling them to resolve the matter I just had enough of frustration. Did not get any positive confirmation for resolution other than a vague we try to look into it. 
Their sales agents were not able to find the promotional website and asked me to provide this. Laughable situation with Bank of America. And it was not the first time. Good luck to every small business getting any support from this bank. Terrible experience to say the least. 
Heres the promotional websites link XXXX XXXX XXXX XXXX.bankofamerica.com/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (SC)

file number XXXX on XXXX i submitted a complaint on this inaccurate amount comenity bank alleges i charged on this account in the amount of XXXX this information is reporting twice on my credit reports first by comenity bank and second by XXXX XXXX, it has been 30 days since this action was taken EFFECTIVE IMMEDIATLEY I AM DEMANDING THAT BOTH THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORTS FOR IN ACCURATE INFORMATION, AND BY NOT COMPLING WITHIN THE RESPONSE TIME OF 30 DAYS BY LAW! PLEASE DELETE THIS INFORMATION AT ONCE. 
THANK YOU.
Consumer complaint received 2021-06-13
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. (DC)

This account attached has been paid for months. The status has been updated on XXXX and XXXX but not equifax. The company agreed to remove once paid and it is not even showing paid. I would like for this to be removed
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-12-03
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. (DE)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (FL)

On XX/XX/XXXX, I spoke with a representative XXXX at American Credit Acceptance. She assured me I wouldn't get reported late to my creditors and would document a hold for sometime so I wouldn't get a late payments on my credit report. Even with the momentary pause I still made payments, before the due date. Originally I had a pause on the account because of income loss due to covid, but XX/XX/XXXX is showing on my report. 
Now, I have months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX marked as late on my report. I paid each of those months and tried to speak with credit American Credit Acceptance and I'm getting told I will be contacted and I never do. The company has completely stonewalled me. When I've called to try and get my issues resolved I'm being put on hold for hours. These 4 payments should not be reported on my credit report as late. American Credit Acceptance has completely ruined my credit and they have a chance to make things right but instead prefer to give me the run around.
Consumer complaint received 2021-06-13
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)

In XX/XX/2020, a collection item for {$2100.00} from a company, XXXX XXXX XXXX, appeared on my TransUnion credit report. I contacted both TransUnion and XXXX XXXX XXXX to get details of the collection item, but neither would provide any substantiating proof that this is related to me. Somewhere it indicated that the issue may be related to my XXXX accounts, but I checked with XXXX and all my accounts are current and no outstanding issues. 

Other reporting agencies do not show this item. 

TransUnion put a remark on the report that the issues is disputed by the consumer, but since it meets FCRA requirements they're not removing it. 

XXXX XXXX XXXX never responded to my request. 

I don't know who else to ask for assistance. Not sure hiring a lawyer is a correct course of action since the disputed amount is relatively small. 

I would appreciate if you can provide any assistance or course action that I can pursue to remove this item from my report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2021-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Prior to COVID 19, I was offering my mortgage company to bring my mortgage current, that was deliquent during my XXXX following the death  of my son, they refused to take the payment, stating that they are reviewing my offer. I was working with a mortgage counsellor from HOPE in XXXX Maryland. while waiting for their review COVID happened in XX/XX/XXXX. My job was to go XXXX XXXX  and XXXX XXXX XXXX and assess XXXX XXXX XXXX XXXX. 
Obviously COVID impacted that community more than any other community, I then contacted my mortgage company about the hardship and loss of income, they agreed to place the account in forbearance. In XXXX they wrote me a letter that the forbearance has closed and requested that I show proof of hardship, I sent them the documents and repeated the offer to bring the account current prior to COVID. Once again they refused and sent a letter that they will like to review it. Meanwhile payment was taken in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they turned down payment, stating that they will be going to foreclosure. 
Now they are requesting that all the past due amount prior to COVID and during COVID should be paid in full. When I informed them that they had approved the forbearance period, they do not care if there was lost of income that period, they just want it paid in full or they will foreclose the house. They then increased my interest rate to 4 %, which is very high compared to current mortgage rates All attempt to talk to them has proved futile, they insisted that I have to pay all total amount. Every attempt to remind them that forbearance was requested due to hardship was ignored. I am scared and worried that I might lose my house if nothing is done
Consumer complaint received 2023-05-22
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Dept of EducationXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions 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.