davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and BK OF AMER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2022-08-18
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. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc. (CA)

I was contacted by the company, Franklin Collection Services on XXXX XXXX about an apparent debt that I owed to XXXX. I informed the woman on the phone that I was not aware of a debt to XXXX and would like a letter from XXXX stating what my debt actually was. She said that it would take time to get the letter but that calls would continue until then. I understood this and someone else called around a week later and I stated that I was aware of their companies attempt but that I was still waiting on the letter from XXXX. She said she saw the request and hung up. Then today, XXXX XXXX, I receive a call from a male employ at the company and I state that I 'm still waiting for the letter and he rudely informs me that the letter is not coming because I do n't rate XXXX. I explain to him that I previously requested this letter and XXXX previous employees told me it was coming and counters with that I 'm not getting XXXX because I did n't ask in writing. I tell him that this is right to lie to people and it is against the law and he tells me I do n't know what I 'm talking about. I then tell him that I 'm aware he works for a company that gets paid based off these abilities to collect and he again tells me that I do n't know what I 'm talking about. He then cuts me off in the middle of my sentence and asks me if I 'm just going to pay the debt or not and I tell him no, not without the letter and he says that I am being written down as a refusal to pay and hangs up on me.I look up my rights through the cfpb information database and call them back and tell them that they have violated my rights by lying to me and they put me in touch with the supervisor. As soon as I tell him that I am aware of my rights, he is able to immediately supply me with a form from XXXX that supposedly I did not rate up until the point that I informed them that I was aware of my rights. This is very shady and bad business in my opinion and know I honestly do n't know if I can trust this company.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts need to be removed from my credit report. These accounts should not be furnished on my consumer report as they are in VIOLATION!
Consumer complaint received 2019-02-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

Approximately XX/XX/XXXX I refinanced my house with Nationstar. Original amount was approximately $ XXXX when I bought the house in XXXX. 

When I refinanced the property I was told that PMI would still apply, which I understood. The market I am in has gone up quite a bit and the house is now sitting above $ 170k. What I was told when I spoke with Mr. Cooper ( was sold off from Nationstar ) - was that even though I am at less than 80 % of the original XXXX amount, that the new original amount that I must have 80 % LTV is now the refinanced rate of XXXX approximately. I currently owe less than $ XXXX. I'm trying to figure out if I have recourse, to not have to pay from $ XXXX {$650.00} to get an appraisal for this property, when the value of the property when I refinanced it was clearly researched and they had to have a dollar value assessed other than the XXXX. I feel like this is a game they are playing to get money out of me, for wanting to utilize my right to remove the Mortgage insurance. 

I was told originally that they had findings that didn't require a paid appraisal. If that's the case, then my question is, what were the findings?
Consumer complaint received 2019-09-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (MI)

i have written and disputed XXXX XXXX AND RMP SERVICES about all of the accounts listed on my credit file. RMP CLOSED AND REMOVED ACCOUNTS on each of the credit files XXXX XXXX and XXXX only to put the information BACK on my credit file. 

These amounts are NOT correct as I have always had DUAL insurance. I have asked over and over for a financial break down of these charges and proof that this is actually owed. I am demanding these accounts be REMOVED from my credit file and NOT ADDED BACK onto my credit again. 

There are 9 accounts listed for RMP SERVICES on XXXX  and they were REMOVED from my XXXX account. They were added and REMOVED from XXXX as well.
Consumer complaint received 2019-04-08
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: AMERICAN EXPRESS COMPANY (MI)

I applied for the American Express Gold Delta Skymiles card on XX/XX/XXXX. The offer was to earn XXXX Bonus Miles after spending {$3000.00} in purchases within the first four months. 

I spent on the card well over {$3000.00} in the first month after receiving the card. I did not receive the XXXX Bonus Miles in the first statement from Amex. I called on XX/XX/XXXX and I was assured by Amex rep that the XXXX Bonus Miles will appear in the next billing statement ( please refer to phone recording ). Of course that did not happen. 

I called again Amex on XX/XX/XXXX and spoke with XXXX ( or XXXX ) who opened a case file # XXXX and was told to wait six to eight weeks. I waited ... and waited and finally called back on XX/XX/XXXX ( after about FOURTEEN weeks ) to inquire about the missing XXXX Bonus Sky Miles again. It was obvious from the initial rep that I was to be given the runaround again with the mantra " I placed a note in your file to look into this ''. I asked to speak to a supervisor. I spoke to XXXX ID:XXXX and became obvious to me that he wanted to get rid of me and even told me FALSE information that they had nothing to do with this as XXXX XXXX is responsible to give the miles ... which is absurd, if not laughable. Of course XXXX 's supervisor was busy. Again, I was told that someone will look into it ... .Fourteen weeks is not enough? 

If this is not bait and switch I don't know what is. 

If not resolved, my next step is to write my Congressman, file a small claims court case and write to the American Express CEO. 

Thank you for any assistance you could provide in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-02-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam : Starting XX/XX/2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : 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 XXXX XXXX XXXX CHILDSUPPORT 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 XXXX XXXX  Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission.
Consumer complaint received 2022-08-18
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$690.00}
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

I was approved for XXXX - who keep telling me they sent the approved mortgage amount to my lender in XXXX! 
The Money Source - TMS can not provide any information on the XXXX  process though they have the option available on their website for struggling homeowners. I've contacted them countless times, where I was just encouraged to make the payment myself instead of relying on the approved payment from XXXX. Absolutely horrendous process. I've been kind the entire process and apparently that's the issue for not getting anything resolved. Now I'm sitting with a late payment and all I know is that my lender has no clue what's going on with no one knowledgeable on the XXXX  process or Goverment grants. I'm disappointed
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (TX)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.
Consumer complaint received 2018-12-20
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. (FL)

I have emailed many times my update FTC identity report you continue too list these 2 medical accounts which is not mine XX/XX/2018 you relisted these accounts on my equifax credit report delete now!!!
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I received a notice from Wakefield & Associates in regards to an account with XXXX XXXX XXXX. First, I have never heard of XXXX XXXX, nor do I know what this is in regards to. This letter ( also included with this complaint as Document 1 ) does not state what product or services were given ; only information is a date and amount. At this point I can not properly dispute what this is in regards to or ask the right questions to determine how this should be disputed. I would also like to point out that there is an interest owed section in this letter. Why would I want to pay interest on an account that I was never notified existed, and has taken over 25 months for someone to contact me about it. 
There are a few basic questions I can ask at this time ; but depending on the answers, further escalation with the CFPB may be required.

1. What products or services were given on the service dates mentioned?

2. If these were medical services, was financial aid available if requested?

3. What method of contact was used to notify about this account? Written letters ( statement and mailing dates needed )? Phone calls ( date/time needed, what number was called, was voice message left )? Was email sent ( what email address was it sent to, what domain did it originate from )?
Consumer complaint received 2019-02-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lamont, Hanley & Associates, Inc. (CA)

After I leased my new vehicle on XX/XX/2018, I spoke with a person making sure what I had to do regarding insurance for both cars. I knew I could not return my XXXX at the end of XXXX. However, later I learned I could not return it until XX/XX/XXXX unless I wanted to pay additionall fees. 
So I kept it and paid for the month of XXXX knowing I would not be driving it. I called in XXXX to cancel the insurance with XXXX XXXX in because I changed insurance companies beginning XX/XX/2018, and found out the account had been closed. I assumed they were aware of my business with the new insurance company and new car. My sales rep had said I was also covered for several weeks so I was safe. Anyway, now I have this collection notice? I am confused. I called to cancel and could not, because the account was closed. How can this be fair? I feel I am not liable. 

Please help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

A collections was placed on my account for the amount of {$11000.00} on XX/XX/2018 by Midwest Recovery Systems. I am not aware of this debt and I have no documentation that it is mine. I was never even contacted by the original creditor, nor was I contacted by this collections agency via email or mail, before this was placed on my account. I do believe that a notice should have been provided so that I could have opportunity to pay or make other arrangements. I've reported this information to the XXXX  and have disputed this claim through XXXX XXXX. While on XXXX XXXX I did notice that other patrons was affected by Midwest Recovery Systems also.
Consumer complaint received 2019-02-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: DISCOVER BANK (CT)

Dear Officer, My discover cashback debit account ( 8359 ) has been posted with a check withdraw with the amount {$4800.00}. However, it turned out the check is not wrote from my account, and the people who wrote the check is not related to me at all. It was Discovers '  system error that mistakenly link my account to somebody else 's check.However, if I did not notice this transaction, my money will be transferred out of my account. 

It was the 2nd time that I found out Discover bank posted a completely unrelated check to my account. I can not rule out if there are other wrong transactions that I am not even aware of. I have to fill an official complaints to protect my rights because this type issues happen over and over again. 

Due the lack of safety and accuracy by the Discover system, it costs me financial loss as well as tons of my time to communicate again and again with their customer services. Therefore, I urge the bank to give me an official solution to prevent from these issues and pay me compensation for all my loss in money and time because of their wrong-doings.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC. (VA)

I purchased a van through Sun Trust Bank in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.