davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is a " qualified written request '' under Sec tion 6 of  the Real Estate Settlement Procedures Act ( RESPA ).     I am writing you today as I disagree with the past due payments you are reporting on my credit reports. They do not line up with my records and I believe that my payments  may have  been misapplied. The particular lates referred to are : Late Payments Being Reported : 60 days past due as of  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The national credit bureaus have said : XXXX XXXX 's credit rating is poor. She is mother to 3 applying for a reduction in her mortgage by way of a loan modification. It's likely that her finance company will draw on her credit reports to determine her worthiness for a modification of the home loan. XXXX XXXX feels that she could lose her and her kids home if she does not qualify because for example of TRANSUNION, XXXX, and XXXX  reporting out-dated information as a paid in full XXXX XXXX XXXX account back in 2011.
Consumer complaint received 2022-03-07
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: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.
Consumer complaint received 2020-02-19
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. (NC)

Experian and XXXX are showing my XXXX XXXX XXXX XXXX account # XXXX account to be 30 days late on a payment. The account had never been 30 days late and always in good standing up until it was paid in full in XX/XX/2020. I submitted a dispute they closed it in 2 days and did not correct it. And XXXX XXXX is showing the account was closed negatively and sold to a new creditor. Which is false.
Consumer complaint received 2017-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX, is reaging an old debt for the amount of {$1200.00}. It is hurting my credit worthiness. It is stating the account was opened XXXX/2017 and that is untrue. This is an illegal practice and it needs to be deleted from all major credit reporting agencies immediately. <P/>I called this company on XXXX and XXXX and they would not listen or try to resolve.
Consumer complaint received 2020-02-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY XXXX  CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX XXXX ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST THEM.
Consumer complaint received 2020-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (SC)

I contacted FedLoans on XX/XX/XXXX. I told them I was making extra payments of {$100.00} each month and I wanted those payments to be applied to principal only. They told me on XX/XX/XXXX. that the payments were being received but would not go towards principal only. I have made all my regular payments on time and have never missed a payment. I have also requested to see the contract that was signed for the loan and they told me to contact the school. I shouldn't have to contact the school for a loan being serviced by them. I contacted them again on XX/XX/XXXX and asked to see the prepayment clause. I got an email saying thank you for contacting us. On XX/XX/XXXX I received an email saying they didn't understand my request to see the prepayment clause in the contract, so I emailed them again to explain what I was looking for and why. I haven't gotten a response back from them yet. I've also noticed that it seems like my balance keeps rising instead of decreasing.
Consumer complaint received 2020-02-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I RECEIVED A NOTICE FROM XXXX  XXXX  REGARDING MY CREDIT SCORE DECREASING BECAUSE XXXX XXXX XXXX INCREASE A PAYMENT ON MY EQUIFAX CREDIT REPORT BY {$30.00} AND MADE MY SCORE GO DOWN BY 88 POINTS. AT THE PRESENT TIME I AM DISPUTING XXXX XXXX SERVICES ENTIRE CREDIT HISTORY REPORTING. I WOULD LIKE TO KNOW WHAT AUTHORITY DOES XXXX   XXXX  HAS TO DECREASE MY CREDIT SCORE, BECAUSE THEY ARE NOT A CREDIT BUREAU ANYWAY. XXXX HAS ON MY REPORT AT THIS TIME AS ACCOUNT IS CLOSED. XXXX XXXX XXXX  ALREADY KNOWS THIS ACCOUNT IS IN THE PROCESS OF LEGAL ACTIONS BEING BROUGHT AGAINST THEM.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I was scammed out of {$2700.00} by about this moving company I was sent an email told to click on a link and pay that amount as a deposit. Turned out not to be a removal company at all and I never received any service. I reported this to Bank of America but they said since they authorize the transaction they will not refund me. This was a fraudulent scam and I am an elderly female and have been scammed Im on XXXX and can not afford to lose this much money so I need help
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Dear Staff, I am complaining that Chase doesn't meet their statement that Chase would deposit the upgrade bonus within 10 business days into the account when all the requirements have been met. 

I upgraded my Chase College Checking to the Chase Sapphire Checking with the {$1000.00} upgrade bonus on XX/XX/XXXX in a local Chase branch, where the tracking number is XXXX, the banker is XXXX XXXX XXXX, and the upgrade code is XXXX XXXX XXXX XXXX. 

To receive the upgrade bonus, it requires that " within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, ( excludes any J.P. Morgan retirement accounts and CDs ) and maintain that balance for 90 days. * I have met the new money requirement, from my external accounts and it is confirmed by XXXX, a Chase staff on XX/XX/XXXX, via the Chase Secure Message, saying that : " We show you are enrolled in the {$1000.00} bonus offer for the checking account. Under the rules for the promotion, you need to make a new money deposit of {$75.00} by XX/XX/XXXX, which I'm showing that you have met. The {$75000.00} must remain in the account for 90 days until XX/XX/XXXX. '' After I have met all the upgrade bonus requirements, I consulted Chase about it, and got a reply from XXXX, a Chase staff on XX/XX/XXXX saying that : " XXXX, we have receive the response from our Research Team. They confirmed that you did not maintain the {$75000.00} balance for 90 days that ended on XX/XX/XXXX. 
Your total balance was {$33000.00} ( investment - {$17000.00} and Deposit - {$16000.00} ) as of XX/XX/XXXX. '' However, the balance history from the Chase website about my Chase You Invest account clearly shows that I had a balance of {$67000.00} but not the {$17000.00} as of XX/XX/XXXX. The statement of my You Invest account from XX/XX/XXXX to XX/XX/XXXX also clearly shows that I have a {$67000.00} balance on XX/XX/XXXX. 

From the statements of my Chase Checking, Saving and You Invest accounts from XX/XX/XXXX to XX/XX/XXXX, it is also clear that I have met the requirement that " the {$75000.00} must remain in the account for 90 days until XX/XX/XXXX ''. 

I attached the screenshot of my You Invest account balance history, and all the statements of my Chase Checking, Saving, and You Invest account from XXXX, XXXX to XXXX, XXXX as evidences. 

Could you please help me with the missing upgrade {$1000.00} bonus issue? 

Thanks very much for your help! 

Best, XXXX
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

Loan care did not credit my account in the amount of {$1000.00} that was transferred from my XXXX XXXX  account to Loancare on XX/XX/XXXX ( for credit toward my principal ). I have had multiple telephone and email contacts with Loancare. I have emailed Loancare copies of all bank transfer records. On XX/XX/XXXX, Loancare emailed me that my complaint would be forwarded to a team of specialists. Since that time, I have received no further communication from Loancare and the {$1000.00} has not been credited to my account/applied toward principal. On XX/XX/XXXX I sent a Priority mail letter via XXXX to Loancare, per the complaint format on their website, detailing steps Ive taken to resolve this issue. I have received no response.
Consumer complaint received 2020-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

The Bank of America sent me a marketing flyer for its " cash rewards '' card. I signed up. I earned {$240.00} but the bank refuses to release the money to me. It now says that it had read to my the terms of the " cash rewards '' card on the telephone and claims it stated that it takes up to five ( 5 )  business days to give me the cash rewards. The bank, with all due respect, is lying. I was never told a thing on the telephone. This is yet an other example of bank deception and it is wrong! 

The branch manager in XXXX, New Jersey, XXXX XXXX  XXXX, remained me this morning that the bank had told me this on the telephone. I emailed her that this is a lie!
Consumer complaint received 2020-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (UT)

PHH Mortgage Services # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Consumer complaint received 2021-11-17
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. (CA)

Hey on XXXX XXXX XXXX I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2021-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

I XXXX XXXX a consumer, and Natural person Sent a Affidavit of fact, to Phoenix Recovery Group on XX/XX/2021 the group recieved the Affidivavit on XXXX XXXX they were given a 10 day response and as of today XXXX XXXX still no response .. They have not ceased in their collection of a debt not owed to them. they are reporting invalidated information to all 3 Credit Agencies ( XXXX XXXX XXXX )
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

Submitted a dispute with Experian via certified mail to update my personal information. I requested the incorrect information be removed due to my fear of identity theft. Requested that incorrect names /addresses be removed. Received my dispute results XX/XX/21. I don't agree with the results, I'm able to provide documentation to support my claims ( identity/ address ). Experian is still reporting incorrect info and refuses to update, I have contacted all my creditors and they have my correct personal info. Its correct on my statements.
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I have contacted the three bureaus to let them know they are reporting incorrect information to my report. I then sent a certified letter to the collection companies to ask them to prove the debt i have with them by signature, ssn, address between me and their company .NOT who they are reporting for. The company is Trans World System and the account is : XXXX.
Consumer complaint received 2021-08-24
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. (MO)

As of XX/XX/2021 XXXX XXXX XXXX was showing last report date of XX/XX/2021. 

On XX/XX/2021 there was a update on Tean Union and XXXX  showing an update Date of XX/XX/2021 and an incorrect balance. 

If contacted both Credit reporting bureaus and disputed this information but it still hasnt been updated. Asa result I was denied credit.
Consumer complaint received 2022-03-25
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: Southwest Credit Systems, L.P. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-04-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (IL)

I received pre-approval for a mortgage loan with Navy Federal Credit Union on XX/XX/2021 and I yet to receive the loan estimate that is required by law under TILA-RESPA to receive the documents within 3 days of being approved. Today is XX/XX/2021 5 business days.
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (FL)

Due to the financial impact of the pandemic, we applied for forbearance with Loancare. It was not realistic to pay four months of mortgage payments so we applied for the loan modification on XX/XX/21. Although we were in this process, Loancare reported our payments as late to the credit bureaus resulting in a dip of over 100 points to my credit score. During this time, I attempted to rectify the matter with Loancare, to no avail as I the responses varied each time we called. It was only after filing a complaint with the XXXX XXXX XXXX that Loancare corrected the issue with my credit score. To date, Loancare has not provided documentation of the terms of the modification nor does the website reflect changes although we have been told by agents to pay the modified amount. On several occasions, we have been told these changes became effective on XX/XX/21 and the payment was timely and deducted from our account. On the other hand, Loancare continues to send routine notices that our account is delinquent. We have completed the modification paperwork and have been told that the process is complete. On XX/XX/21, I received alerts that my credit scores have once again decreased over 106 points as a result of Loancare reporting we are 120 days late on our mortgage. I contacted Loancare and spoke to agent XXXX who also reinforced that our modification is complete and that " she doesn't know why these credit unions do this ''. According to XXXX, she could not adjust the score. She ultimately transferred me to her supervisor, XXXX, who echoed her sentiments. Lacking integrity, continuity in communication, and overall professionalism, it is evident that Loancare has no regard for the welfare for their consumers.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to 15 USC 1681 SECTION 602A. states I have the right to privacy 15 USC 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 7 years. 15 USC 1681 S-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information listed below in subsection A ( 1-3 ) is inaccurate : Sub-section A. 1. ) ACCOUNT XXXX XXXX Opened XXXX {$770.00} 2. ) XXXX XXXX XXXX Opened XXXX {$790.00} 3. ) XXXX XXXX XXXX Last reported XX/XX/ {$2700.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

Credit Systems International is trying to collect a debt for XXXX XXXX and XXXX, however, XXXX told me that if I stayed on payment plans, which I am, that I would never be sent to collections. XXXX lied which is a violation of the Texas Deceptive Trade Act, Consumer Protection Act. With that being said, this debt should not be in collections. Furthermore, XXXX has never given me any notice that there was a problem or change to my payment plan. 

I'm also being charged for a {$200.00} test that was not completed for me and is an error in billing, but XXXX refuses to assist when I call.
Consumer complaint received 2021-11-17
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. (MO)

Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2021-11-17
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. (MO)

Hello, I requested a few accounts to be removed since they were inaccurate, they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.