davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (MD)

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$240.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$600.00}
Consumer complaint received 2015-11-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Bank of America and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest.
Consumer complaint received 2022-05-13
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: Medical Data Systems, Inc. (GA)

On XX/XX/2022, I submitted a CFPB complaint ( XXXX ) for Medical Data Systems , Inc . This collection agency is reporting collection accounts that I do NOT owe. On XX/XX/2022, the company responded with the following : " XX/XX/2022 Complaint XXXXase No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX & XXXX XXXX has submitted a deletion request to the credit bureau on the above-mentioned accounts due to incorrect address at placement in collections. Account number XXXX XXXX no longer services this account. You will need to contact the original creditor to dispute the validity of the above-mentioned account. No other contact has been made on this account. Attached are the itemized bills, consents, deletion letter, cancellation letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, Support Manager This communication is with a debt collector. '' I have contacted XXXX several times via mail to dispute the inaccurate collection accounts reporting on my credit reports. 1 out of the 3 of the collection accounts were removed. However, there are 2 collection accounts that need to be removed immediately. I had veteran 's health insurance at the time of my medical visit and should have never been billed. These errors are extremely injurious to my financial character and have caused me to be denied for funding on a mortgage because of open collection accounts. These accounts should be removed urgently or I will be forced to file suit for negligence and damage to my creditworthiness, amongst other things.
Consumer complaint received 2022-11-19
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: EQUIFAX, INC. (NJ)

EQUIFAX CREDIT FILE : XX/XX/2022 Confirmation # XXXX ACTIONS THAT WAS TAKE. BY THE COMPANY XXXX XXXX ILLEGALLY OBTAINED MY INFORMATION AND IS NOT REGISTERED IN THE STATE IF NEW JERSEY TO DO SUCH, WAS DISPUTED AND NOT REMOVED
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Requested PMI cancellation on XX/XX/22 via phone call. Was told Flagstar bank would respond within 10 days. On day 14 ; XX/XX/22, I called again for the status and was told it was in process and the wait time was actually 14 days not 10. I called again on day 28 ; XX/XX/22 and was told the company changed the wait time to 30 business days. Business days not calendar days. I was never notified of this change. Seems unfair that I am following the rules and the company is just changing them as they want. They are stalling and costing me money. They are changing the terms of our loan agreement without notification and without consent.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (TX)

For my Ally Bank checking account, this XXXX, I called Ally Bank customer service to request cancelling a check in the amount of {$100.00} to the payee XXXX XXXX XXXX XXXX. Over the phone, Ally Bank representative informed me that the {$100.00} check has already been put stopped payment. I thought this check was successfully cancelled. 

However, today when I looked at my bank transaction history this year, I found that this {$100.00} was cashed out of my checking account, with {$100.00} deducted from my Ally checking. 

I was extremely surprised with Ally Banks mistake. They were supposed to cancel this check, but they didnt. 

I request Ally Bank to immediately correct their mistake and recover this {$100.00} back to my checking account immediately.
Consumer complaint received 2020-12-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

This month which is XX/XX/2020, I received a letter in the mail from Convergent Outsourcing stating I owed a debt of XXXX. First off I never heard of a company named XXXX XXXX XXXX. When I googled company it stated it was a Car Finance company and I never ever had, nor held an account with the company. This alleged debt is about to be placed on my credit report because Convergent Outsourcing thinks this alleged debt is mine. Unless they have proof that this alleged debt is mine, this alleged debt shouldn't not be placed on my credit report. I'm attaching a Debt Validation Letter to this complaint.
Consumer complaint received 2020-12-18
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: Santander Consumer USA Holdings Inc. (PA)

These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CT)

In XXXX when i was still married we applied for a second mortgage to help pay for home repairs that happened during a flood, in XXXX I divorced, specialized loan servicing offered a modification to help lower payments. I was assured it was the same 313 month loan terms, but on XXXX of XXXX a balloon in the amount of XXXX became due. I was unaware of this balloon payment. So I tried to do a modification with them which they refused twice saying I dont meet the delinquency criteria, all they offered was a short sale. I am not in position to do that, I live in the house with my children which one of them is profoundly XXXX. They continue to threaten foreclosure on me. I am working with mortgage assistance program in my area and they will not work with them either. Also when they sent the papers that I signed for the modification it doesnt show the notary signatures that I signed in front of. On the verification of mortgage it states 313 months which should of been till XXXX. They took advantage of me with that offer back in XXXX as I thought I would be saving money. This second mortgage I am talking about was discharged in a XXXX bankruptcy and I continued to pay it so I can stay in the house. They are now calling and asking for the balloon payment and threatened foreclosure on several occasions. I can not come up with the XXXX they are asking for now. I have no where to go, I need my home for my family.
Consumer complaint received 2020-12-20
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. (MS)

Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, XXXX, & Experian ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, XXXX, & Experian ) are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.
Consumer complaint received 2022-05-13
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. (WI)

I have had a charged off account from XXXX XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. 
From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected XXXX XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX  on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. 
I have disputed it with Transunion, I have involved the XXXX. At this point, Transunion said I should file a complaint here The contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I filed a complaint against Equifax number XXXX, because they refused to provide me with my consumer report and file. Equifax closed my complaint and responded with a stall tactic, once again refusing to comply with my request.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

Ive disputed a Bankruptcy with the 3 Credit Bureaus ( XXXX, Equifax, & XXXX  ) with a series of 4 letters starting XX/XX/XXXX to XX/XX/XXXX and attached to the letter dated XX/XX/XXXX was the XXXX report dated XX/XX/XXXX showing NO Bankruptcy. All 3 Credit Bureaus ( XXXX, Equifax, & XXXX  XXXX are still currently stating they verified and are reporting a Bankruptcy that is not being reported by the third party company XXXX XXXX XXXX they state they utilize even after Ive submitted physical proof.
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I was in a car accident. I called Chase they informed me to give them information to insurance company and hold payment until deemed totaled etc. XX/XX/XXXX it was deemed totaled but only covered a portion of the note ... .. {$9400.00}. The gap insurance covered a couple hundred dollars as well leaving me with a balance to be paid about 1400 I did not have out of pocket. So they said the $ XXXX payment did not count as a payment and continued to report to the credit as late and charged off the account. without giving me the option to make small payments thus resulting in this dinging my credit report from XX/XX/XXXXthrough XX/XX/XXXXand now I am unable to get an auto loan.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

I recently filed a complaint with XXXX concerning XXXX XXXX. This complaint is against Experian. 
XXXX XXXX has placed another inaccurate post on credit report with Experian after it was disputed and successfully removed from my Experian credit report. 
Experian re-posted the inaccurate information on my credit report after they review and removed it.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (KS)

On XX/XX/2021, I received a letter from Charles Schwab notifying me that I had opened an account. The letter is dated XX/XX/2021. I called Charles Schwab and told them and they said that they are aware of it and are taking care of it. I believe I am going to have to freeze my credit.
Consumer complaint received 2019-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I put in a claim regarding an OLD apt I was leasing where the company still has not give me my refund in monies as promised to me several times. At any rate, Capital One sided with them without proof on my end that the company did in fact, in writing, state that a deposit was due to me but as of date I still did not receive the funds. The agent at that time told me he would put in place that they would not go back in to retrieve the money back from me. Weeks later as stated Captial One took the money back from me in my claim. Recently, I paid my rent at my NEW apt to then be told my funds were returned due to me putting in a stop payment on the transaction. I stated to the company I would never stop my rent and they conference called with me and Captial One with Capital One stating nothing was wrong with my account and they merchant never did a transaction to retrieve the funds. The merchant suggested for them to do an investigation as they had a transaction ID to proof they tried to retrieve the funds. Captial One got back to me the next day admitting they incorrectly gave me the wrong information as they put a stop payment on the transaction as coincidentally the NEW apt community uses the same payment system as the OLD community. At that time a manager stated they fixed the situation and that the merchant could go back to retrieve the funds. A couple of days later the NEW community told me again that I placed a stop payment which I did not. We did another conference call and we were told yet again they had nothing in place to prevent the funds from withdrawing. After being transferred several times, we found out that the lift was never done and the merchant suggested that even though a fee will be assessed with it, for me to make a debit card payment which went thru. As a result of Capital One 's mistakes, I was assessed a late fee of XXXX and two {$50.00} Non sufficient funds from my NEW apt community as well as was placed on the eviction list there which needs to be paid by XX/XX/2019 which Captial One was told several times. I also assessed a {$26.00} fee to pay by debit card. Because of what has happened I asked for my account to be closed SIX times which they have not done so as of yet as well as letters of explanation to be sent to the NEW apt community and my lender as I am trying to buy a home which has not been given to me as of yet in addition to proof of what they used as a deciding factor with the OLD apt community on why they sided with them without my proof which has not been given to me yet as well.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NC)

This collection account is reporting as OPEN.

. According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt
Consumer complaint received 2017-05-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (MD)

NELNET Obstruction of Income-Based Repayment Application : In  XXXX   XXXX  after becoming unemployed, I made application for income-based repayment plan for student loans serviced by  both  XXXX  and NELNET in coordination with the DOE income-based repayment application web portal ( See attached ).  XXXX  approved the application but NELNET obstructed the application because it claimed it did not participate with DOE 's electronic process ( See attached ). The electronic application was downloaded from the DOE web portal and mailed to NELNET with supporting documentation. I did not hear back from NELNET for some time and when I contacted   them in  XXXX   XXXX  I was informed that my loans were in default and no longer handled by NELNET. I would need to contact   XXXX   XXXX   for loan rehabilitation. I incurred a {$10000.00} default fee sometime between  XXXX   XXXX  and  XXXX   XXXX  because NELNET obstructed my application. My NELNET rehabilitation started in  XXXX   XXXX . How can the very same income-based repayment plan application properly coordinated through the DOE web portal be accepted by one servicing agency and rejected by another. Something is terribly wrong with this process and should be thoroughly investigated. Request your assistance in removing these default fees and obtaining the same income-based repayment plan approved by  XXXX .
Consumer complaint received 2022-05-13
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: Caliber Home Loans, Inc. (FL)

We have made multiple attempts with XXXX to help us contact Caliber Home Loans and we provided from our checking account the timely payments we made our mortgage. They quickly rush to a decision in 2 days saying its accurate and it will stay as late. 

This is impossible when the customer is providing proof- they dont even investigate. 

This is the recent # XXXX This is for both my husband and my mortgage account for the late reported payments of XX/XX/2021, XX/XX/2021, this should be corrected as timely on all 3 credit reports immediately.. 

XXXX XXXX / XXXX XXXX XXXX
Consumer complaint received 2019-06-28
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. (MN)

On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX XXXX   XXXX  And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company
Consumer complaint received 2019-06-28
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. (MN)

On XX/XX/XXXX I got account updates stating fraudulent things was verified but has not provided any proof of it being mines. These fraudulent things is not mines and its very stressful the a credit bureau will not see the facts and proof of where i lives all my life to show that these account are not mines XXXX XXXX XXXX XXXX  XXXX XXXX And all of the credit inquiries I have submitted police report, proof of identity and still nothing has been resolved which leaves me to file legal action against the credit bureau company
Consumer complaint received 2023-06-25
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: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX 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 also inquiry on my credit summary 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions