davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
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: Fairway Capital Recovery, LLC (OH)

FICO Score History Date Fico Score ( as Reported by XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can XXXX  attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? Eradic reporting resembles a torture of consumers.
Consumer complaint received 2024-03-04
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2019-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan was serviced by XXXX XXXX and it was recently moved to Specialized Loan Servicing. I have had nothing but trouble with the new loan service. I want to make my XXXX payment but they have not applied the money that was sent to them on XX/XX/19 by Save your home California. I have sent a number of emails and have spent hours on the phone with them requesting that they apply the payment so I can make the XXXX payment. In addition even though they are supposed to pay for my Hazard Insurance and Property Taxes they  claim I do not have Hazard Insurance. I am trying to verify that they are paying my property tax. I do not trust this company at all and I am very upset that I am forced to deal with them. Any assistance you could supply would be great.
Consumer complaint received 2019-06-19
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. (MO)

I reported to XXXX XXXX  on XX/XX/XXXXthat they were reporting my account as Past due for XX/XX/2019 and XX/XX/2019. My payment is current and should reflect that on Equifax
Consumer complaint received 2017-01-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

To Whom It May Concern, I would like to call your attention that when I was reviewing my statement I realized that I was charged {$2.00} 12 separate times. I went to Apple Bank and to find out why I was charged and the Apple Bank accountant there explained to me that every time I use my debit card I will get charged {$2.00}. She also told me that I have to tell any store where I 'm using my debit card that it 's a credit card and sign immediately without putting in my PIN number so I can avoid the {$2.00} charge. Although, on my debit card it says DEBIT on the bottom and I was never informed about this {$2.00} fee when I opened my account. My family members all carry debit cards and they use it without any fees or charges. I want to know what the rules and regulations are when it comes to using my debit card and any fee that comes along with using it. I am being ripped off by this bank. 
My name is XXXX XXXX XXXX and the Apple Bank branch is on XXXX XXXX XXXX, XXXX, NY XXXX.
Consumer complaint received 2016-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (MI)

This account is now closed and was reported 60 days late on XXXX XXXX. It is impossible to report as on time for XXXX XXXX, XXXX XXXX, XXXX of XXXX and then 60 days late for XXXX XXXX???
Consumer complaint received 2024-03-04
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. (PA)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of 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 2020-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I request via certified Mail in XX/XX/XXXX a BENEFICIARY REQUEST STATMENT pursuant CA Civil code 2943 in regards this mortgage Account to the Beneficiary, Investor, Owner of my property BANK OF AMERICA. In the letter I explained my grievances having with its Servicer in using Fabricated Fraudulent documents to block my legal proceedings and denying me to get an Affordable Loan Modification, even after I spoke with XXXX XXXX a manager for Bank of America in regards He promised me to have it taking care but his promises felt short. 
I ' m attaching the first response from Bank of America 's Attorney Dated XX/XX/XXXX denying to respond me she attached old responses from XX/XX/XXXX another from XX/XX/XXXX stating BANK OF AMERICA is the only investor and the response from its Servicer XXXX XXXX dated XX/XX/XXXX stating due to a pending litigation they cant provided me an answer, Just for your information the Litigation is an Appeal stage and does not have not issue in regards my letter states " BENEFICIARY STATMENT REQUEST '' it doesn't name no servicer. 
* I did a second Request of the same document last XX/XX/XXXX and Bank of America responded XX/XX/XXXX stating the same response as XX/XX/XXXX. 
( Your system didn't allow me to upload the second request and the Bank America 2nd answer ). 

Bank of America denied to responded me it has concealed information to disclose to me in regards been the Real Beneficiary/investor/Owner in my House property Deed of Trust. I would get Assistance with my Congressman XXXX XXXX to escalate with one of your US Regulators to fully investigate Bank Of America for Concealing to use fraudulent documents and Allowed its Servicer XXXX XXXX using an Unauthorized Trustee " XXXX '' to steal my house in a Foreclosure Sale dated for XX/XX/XXXX.
Consumer complaint received 2023-08-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

XX/XX/XXXX I was a passenger riding with an associate and a lady hit us in the back, by the time we arrived in Tennessee which is where we were headed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I went to the XXXX XXXX ( XXXX ) to get checked I did mention I was a victim but that I also had insurance because I was XXXX. Fast forward to a collection agency calling me in XXXX over a {$1000.00} bill so I am on XXXX so I start paying {$10.00} a month but Ive asked why my visit wasnt covered. A few days ago a collection agent told me that my XXXX bill was paid by charity so I still have yet to receive a debt validation letter or a letter for me to dispute this because its wrong
Consumer complaint received 2022-03-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XXXX closed my personal account ( checking, savings, youth, investment ) without giving me a warning or reason why they closed it They told me that thay they will mail out a check of my balances within 10 days but so far I didn't received it This is unheard of, why don't they give me back my money right away? I went into the local bank and no one was able to help me with that And how can chase get away with this? 
Closing accounts for no reason.?
Consumer complaint received 2016-01-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX, 2015 I opened a checking account at Chase Bank on XXXX XXXX XXXX, GA. The Bank Specialist is XXXX XXXX and Branch Manager XXXX XXXX. XXXX XXXX was the one that opened the account for XXXX. She processed all the documents, gave me a starter package with checks included and XXXX ATM cards of which I opened the account with {$800.00}. the second Transaction was on XXXX XXXX, 2015 of which I deposited a check for {$1200.00}. on XXXX XXXX, 2015 I was made aware that the {$800.00} was not on my account after trying to withdraw money from an ATM in XXXX, GA to which I was told there was Insufficient funds. I made several trips to the bank and spoke with the manager but I was not reimbursed my money. I am getting the royal push around. I worked hard for my money and I could not have opened an account without any money.
Consumer complaint received 2022-11-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

Store is called Ace cash express I have been going there for quite some time during hardship always paid my loans back. It came to a point that I was having more hard ship finances, medical bills.. etc. My bank accounts closed due to NSF didn't realize they would be effected. I did not received any letters from them or a collector.. Recently on XX/XX/2019 my mother in law and wife received back to back phone calls from a phone number XXXX stating that they are looking for me and they have a warrant for my arrest and a subpoena for court if I dont call XXXX XXXX and set up a payment with them now ... When I called they were the ones who advised the original creditor was Ace cash express located at XXXX XXXX XXXX XXXX XXXX Ca ... I called my bankruptcy lawyer which Im in the process of filing and he advised to file a complaint because it sounds like a scam.. They do not supply a address to send payments to they want payments to be made electronically only ... I tried calling that number XXXX and no answer.
Consumer complaint received 2022-09-03
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. (CA)

I have sent dispute letter on XX/XX/2022. I told all three credit bureaus to INVESTIGATE and VERIFY all information on every account but I got the dispute result from XXXX that the disputed item is verified and updated. 

They can not just say verified and updated the account without proving me regarding proper investigation. Also, every information on the accounts are still not reporting 100 % accurate. According to the FCRA 15 USC 1681, all information should be 100 % ACCURATE. I have the credit report to prove the inaccuracies. 

List of accounts XXXX XXXX  XXXX  Account Number : XXXX
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (CA)

I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being XXXX XXXX XXXX. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.
Consumer complaint received 2021-03-08
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. (TX)

XXXX XXXX has been charging me a late fee of XXXX per month since XXXX of 2019. They have also ramped up hostile reporting to credit reporting agencies since I'm taking them to court, scheduled for XX/XX/XXXX.
Consumer complaint received 2020-09-25
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: CITIBANK, N.A. (IL)

XXXX XXXX XXXX XXXX this account doesn't belong to me. FRAUD. 

XXXX CITIBANK XXXX It's fraud account, should be removed from my report immediately.
Consumer complaint received 2019-06-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

Navient has not been providing information with who my private student payments are being made towards. When I made inquiry, no one from customer service nor a supervisor with Navient would explain where my payments are going. The for-profit culinary school I had attended from XXXX-XXXX ( initially named " XXXX XXXX XXXX  XXXX XXXX XXXX XXXX '' and then " XXXX XXXX XXXX- XXXX '' ) has since dissolved as an institution. I am looking to have my student loan payment lowered if I can not get the loan discharged.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have been trying for over 4 weeks now to get my credit unlocked by Equifax " Lock and Alert ''. I have been on the phone for hours each time i talk with Equifax. I have faxed all the information they ask for. Every time I call I get transferred to the wrong department or to their overseas phone clerks who do not understand english. I have spoken to supervisors who tell me that they escalate the problem but nothing happens. they can never give you any information about why they can't unlock my credit file. Several supervisors say they escalate the case with a priority or expedite notation. Still nothing happens. No ever contacts me. This is all frustrating as h*** ... ... .. I need my credit unlocked for a refinance. Please help me!!!!!!!!!! Do not subscribe to Equifax Lock and Alert!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2022-01-08
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. (NJ)

My id was copied and used to take money from my bank, open cards in my name, license was also used to register someones car with out permission, and social security number was compromised ; and also used at the bank, phone was hacked as well.
Consumer complaint received 2023-04-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX HARD INQUIRY on my credit report for XXXX on XX/XX/2022. The inquiry was not made by me. I tried to call XXXX XXXX XXXX  several times to resolve the issue. XXXX asked me to get a letter from XXXX XXXX XXXX regarding the inquiry. Apparently, XXXX XXXX XXXX has resolved the problem at their end with no letter to me to present to XXXX. Called XXXX again and explained the whole situation and they tell me they can not delete as well until I report the issue with FTC. This inquiry is causing a decrease in my credit report which I did not make.
Consumer complaint received 2019-06-19
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: General Motors Financial Company, Inc. (FL)

GM FINANCIAL PULLED MY CREDIT REPORT WITHOUT MY AUTHORIZATION OR REQUEST. I WROTE THEM AND THEY DENY IT. THEY ARE WRONG! 

On behalf of XXXX XXXX XXXX .... This is identity theft.
Consumer complaint received 2019-06-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

I have compiled and done everything requested and submitted all documentation for a loan modification or repayment plan anything that will help me save my home and was denied for insufficient income when I do fall within the DTI which is 30 % - 41 % I am at 36 % DTI required for mod or repayment plan I can afford it my monthly net income is {$5600.00} and mortgage payments are {$2100.00} please help me keep my home. 

Thank you,
Consumer complaint received 2023-06-16
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. (GA)

Transunion XXXX & XXXX have new inquiries that need to be removed from my credit report asap i gave noone permission to run a credit profile for inquiries fot me
Consumer complaint received 2023-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CO)

Someone at a bank re-opened an account I had previously closed. So they used my name and social security number. The bank and the Equifax credit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EQUIFAX that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.
Consumer complaint received 2020-09-25
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: Experian Information Solutions Inc. (IL)

Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXXXXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (VA)

My account was always on autopay. The sole purpose of establishing autopay is so that payments are always drafted on time. My account is being reported as late in XXXX of XXXX. I went on line to make that payment and the system prompted me that autopay was on and this would result in 2 payments. Therefore, I did not process a manual payment. The autopay did not go through, and I was reported as late. 

While it is my responsibility to make sure the payments are made, it is Lightsreams responsibility to have accurate information on the online portal. 

I want the payment to be reported as on time since it was 100 % not an error on my part.
Consumer complaint received 2023-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (OH)

Hello I hooked up with this company through work. Solar company call solgen power XXXX XXXX charge me {$65000.00} to re-roof and install solar at my residence. The project was never completed. I filed a complaint with the finance company asking them to reverse payment or stop payment. They were rude and they did not act like it was their problem. I am also thinking that they have something to do with the solar company as a collaboration. I refuse to make a payment on this product because the project has never been completed. The finance company should take responsibility and make sure their customers projects are complete the roof on the property has partially blown off. The solar company came and took the panels down, I've already complained with the attorney generals office in the state of Ohio and it sounds like this company is committing a fraudulent act and the finance company is participating. There is multiple complaints on solgen powers website. Of their products not being completed I think this financial institution should take on responsibility and help the consumers when it comes to. These scenarios. And also not participate in fraudulent activities with a fraudulent contracting company. XXXX XXXX, should request a refund from the solar company and cancel this account