davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX, and XXXX and XXXX XXXX XXXX with no successful resolution. Experian, XXXX and XXXX  reporting me 30, 60 and 120 days late from XX/XX/XXXX to XX/XX/XXXX. There was an error on their part. I was never 30, 60 or 120 days late.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and TransUnion and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and TransUnion reporting me 30, 60 and 120 days late from XXXX to XXXX. There was an error on their part. I was never 30, 60 or 120 days late.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-04-18
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. (FL)

I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

XXXX
- ONLINE INFORMATION S XXXX XXXX XXXX  

TRANSUNION
- 10 XXXX XXXX XXXX  Collection services XXXX XXXX XXXX   XXXX XXXX XXXX
Collection   services
XXXX


XXXX XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections non specific XXXX
Consumer complaint received 2024-04-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC (NM)

On XXXX, I filed a complaint against the company due to their moving a whole principal payment into escrow without my permission or knowledge. The company responded on XXXX and said that my figures were accurate and that they would correct it. I then received a statement on XXXX for {$5400.00}, which is over twice my mortgage rate. This indicates that they said one thing through the CFPB response and then separately took retaliatory measures on their own. 

I desperately require relief from this company and its actions against me.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I was overcharged by XXXX XXXX for my mobile phone plan ; I should have been charged {$83.00} ( the normal charge of {$100.00} minus my 'wallet ' credit of {$25.00} ), but was charged XXXX, a difference of {$31.00}. I tried unsuccessfully on numerous occasions to resolve the problem with XXXX XXXX, but, despite the fact that a CSR named XXXX, at approximately XXXX on the evening of XXXX XXXX, claimed that I would receive a refund of {$32.00}, but I never did. Hence, I felt compelled to open a dispute for {$31.00} with my credit card company, US Bank. 

However, US Bank rejected my dispute and refuses to provide any reason for this rejection. This despite the fact that I have provided all documentation that they have requested, despite the fact that during my last conversation with a CSR -- with XXXX at XXXX EST on XXXX XXXX -- she told me that what prevented my dispute from successful resolution had been that US Bank had lost my receipt, and despite the fact that my final fax ( XXXX XX/XX/2019 ), which again supplied the receipt, specifically asked that US Bank : '1. Notify me if you regard this documentation as insufficient, illegible, etc. 
2. If you regard this documentation as insufficient, please present an argument as to why and indicate next steps for resolving this dispute. 
3. Please provide information regarding possibility of appeal or escalation for this dispute, should it not be resolved in my favor with this documentation, for I will otherwise need to pursue the matter with the Consumer Financial Protection Bureau, among other entities. ' They never did, and simply sent another letter, without evidence or specific reason for rejection, indicating that it was rejected. This is in open defiance of the Fair Credit Billing Act, 161. 'Correction of billing errors '.
Consumer complaint received 2019-04-18
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. (FL)

I HAVE A BUNCH OF FRAUDULENT ACCOUNTS ON MY CREDIT REPORT:

EQUIFAX
- ONLINE INFORMATION S XXXX XXXX
$XXXX  

XXXX
- 10 XXXX XXXX XXXX Collection services $XXXX
-  11 XXXX XXXX XXXX
Collection services
$XXXX


XXXX
- XXXX XXXX XXXX Other Collection Agencies $XXXX
- XXXX XXXX XXXX XXXX XXXX
Collections  non specific $XXXX
Consumer complaint received 2019-04-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Between XX/XX/XXXX and XX/XX/2019, we applied to Bank of America for a HELOC of {$500000.00} or so. At the time BOA was running a promotion rate of prime minus 1.51 %. We learned about the rate on BOA 's website but decided to work with a loan officer introduced by a XXXX XXXX investment advisor. The loan officer 's name is XXXX XXXX XXXX, VP, Wealth Management Lending Officer of Bank of America ( NMLS XXXX ) at XXXX XXXX XXXX, XXXX, NY XXXX. 

Both my husband and I have spotless credit history and very high credit score. We have been a BOA customer for over 15 years. By XX/XX/2019, we supplied Mr. XXXX all application documents including personal tax returns and proof of primary home insurance. On XX/XX/XXXX we also accommodated the appraiser sent by BOA to evaluate our house. But Mr. XXXX insisted on us sending my husband 's business tax returns and financial statements. My husband is only one of the three partners of his business. He does not have the authority to disclose his business 's financials which he only owns one-third of. Despite our repeated explanation, which was backed by the business 's accountant, Mr. XXXX denied our HELOC application. 

We feel strongly that Bank of America treated us unfairly by denying us a home equity loan. Since my husband 's business is neither a party to the loan nor a guarantor, it is inappropriate for BOA to ask for financial records of the business. What's more, the business is a separate entity co-owned by other people who have nothing to do with our HELOC application. And to deny us a loan because we failed to supply documents that we can not legally share is outrageous. 

I should also mention that when Mr. XXXX emailed us the Bank 's decision, he directed us to the XXXX XXXX   investment advisor, whom I mentioned in the beginning, by copying him in the email ( totally ignoring our privacy ). The investment advisor has tried for years to gain our business and manage our brokerage assets. By denying us the HELOC, Mr. XXXX intended to blackmail us into opening a brokerage account with his partner at XXXX. This is business practice in its ugliest form. 

We have been XXXX XXXX XXXX retail customer since the beginning of our career. We are dubbed their preferred clients. If even preferred clients are treated unfairly or even extorted in time of need, can you imagine what an average customers treatment would be like?
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (ID)

I have received a {$21.00} credit report fee from Experian. However, I did not order a credit report. Their phone system will not allow me to speak to a person. It just hangs up on me. I have had this problem in the past when I have asked for my Credit Freeze to be lifted. I know there is a small fee for lifting my Security Freeze but Eperian soon bills me {$21.00} in addition to the agreed upon fee.

I think it is terrible that their phone system will automatically stop my call when I try to call them to correct this problem.

Today I when through their log in process 6 times and each time they simply said " Good bye ''
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (AR)

I went to XXXX XXXX to get a bedroom suite XXXX I got approved for XXXX credit with American First Finance. XX/XX/2018 ... my payments were XXXX monthly.. I made timely payments and I paid off the furniture but Im now being charged XXXX for fees for not paying it off in 90 days. I am XXXX and work part time trying to make ends meet. They cut my hours after the holidays. I want to pay but I asked them if I could get a lower money payment they said no this is what you signed. But my signing on a computer at the store I didnt know about the extra fees ... nor did I receive a statement saying to pay off early or pay extra fees. What can you do to help me?
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ERC (WI)

I have no idea when this debt is from. The account was opened in XXXX of 2017. I have had XXXX XXXX in the past, but am in belief I have paid off all my past due accounts to them and returned equipment. If this debt is correct, this there is no chance to pay back as I am on Social Security XXXX and have no other income.
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to dispute the debt you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq., specifically 15 U.S.C. 1681-S 2 ( 7 ) ( a ), I have the right to dispute the validity of this debt.

Here are the specific reasons for my dispute : Validation of Debt : Pursuant to 12 CFR 1006.34 ( b ) ( 5 ) and 12 CFR 1006.34 ( c ), I request that you provide a written validation of this debt, including the amount of the debt, the name of the original creditor, the dates of service for the debt, and my signature on the contract of this debt. I also request information on how I can dispute the debt electronically, as allowed by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

I request that you cease all communication with me regarding this debt collection effort. This is in accordance with 12 CFR 1006.34 ( d ) of the FDCPA.

Please note that I will not acknowledge this debt as valid until I have received the requested information.

I expect a response to this letter within five ( 5 ) days of the date it is received. Please be sure to include your validation information and any procedures for disputing the debt electronically. 

Thank you for your time and attention to this matter.
Consumer complaint received 2019-04-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

My XXXX husband who left our family to be with another woman, agreed to pay the mortgage, he in turn did not. All of while us feeling secured, I am blindsided with an XXXX notice. Moving forward, while trying to take care of my mother who suffers from XXXX  as well as my daughter who now suffers from XXXX XXXX, due to this disruption, while attending XXXX XXXX, I am trying to save our home.
Consumer complaint received 2019-04-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (IL)

This company called Diversifeid consultant attempted to collect the sum XXXX from me. They said I owe XXXX XXXX  T this money. I explained to them I dont owe such amount of money but they went ahead and destroy my credit with a degoratory marks. This has ruined my credit score/report. I called XXXX XXXX XXXX and they confirmed I dont owe them that amount but this false claim has already destroy my credit history/report. Please kindly help me on this matter.
Consumer complaint received 2019-04-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation (CO)

I have a small personal loan to build my credit through Avant. I had a previous account with them and had no problems. On XX/XX/XXXX, I scheduled for them to take out a payment of {$1000.00}. They never took out the payment, and with moving a bunch of money around to pay my student loans I never noticed. My payment schedule on the website said that I did not owe a payment until XXXX of 2019. However, apparently this was taking into account the payment that was supposed to be taken out of my account. When they did not receive payment, they did not update my payment schedule to reflect that, so i was laboring under the impression that everything was fine. I am also set up on autopay to avoid any problems. On XX/XX/XXXX, I received an email stating that I owe a payment of {$.00}. I also received emails on XX/XX/XXXX and XX/XX/XXXX which all stated that I owe a payment of {$.00}. Obviously, I ignored them because they said that I owe XXXX dollars. However, on XX/XX/XXXX I received an email stating that I have a past due amount of {$180.00}. Now, obviously because the original payment of {$1000.00} was never actually taken out of my account, I do owe the money that they are charging me. However, I feel like I did my due diligence and that they are acting unethically. I scheduled a payment, as I was supposed to, and the money was in my bank. I never received any notification stating that they did not receive payment. I have my account set up on auto pay for all payments. My entire account shows that I do not owe money until XXXX. I spoke with someone on the phone, who basically said there was nothing she could do, I had to pay the amount, that it would be considered past-due ( obviously affecting my credit score ), and that even though my payment schedule is incorrect I still should have made the payment.
Consumer complaint received 2019-04-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: CITIBANK, N.A. (NJ)

My payments are over {$600.00} a month with Citibank, and over {$200.00} with my federal loan. I have struggled making these payments for years. Because of the interest amount my student loan continues to grow higher instead of getting lower. My original student loan amount has more than doubled. I refinanced my XXXX XXXX private loan with Citibank and they sold it back to XXXX. I have been told numerous times that I am not eligible for any help. I was forced to resign from my position to do health complications concerning my back and have made an effort to contact XXXX several times to explain my circumstances and was told they can do nothing to help. I am now three months behind on my payments and am accruing ridiculous late fees and constant phone calls It is not possible to pay my mortgage, car insurance, utilities, buy groceries and pay back my student loans. Even when I was working full time with a XXXX XXXX I could not afford my payments but made them living from paycheck to paycheck. My payments are over {$1000.00}.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

This is not a duplicate. This is about case # XXXX. This complaint is in reference to that case #. I have a family member helping me and she called today because Rushmore loan mgmt. postponed the foreclosure sale from XX/XX/19 to XX/XX/19. We verified that the supporting documents for a loan modification and that the last will and testament and executor ship documents were received on the XXXX of XXXX. Today they are stating that they will not be reviewing any documents because it is less than 37 days prior to the foreclosure sale. Well if the addition in my mind is right excluding weekends that would make it 47 days prior.These people are very evil people. It is my understanding that there are people in the court system that state they want to buy the house at foreclosure and sell it for profit. This is not fulfilling my parents wishes.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 XXXXXXXX XXXX XXXXXXXX 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 2019-04-18
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: Experian Information Solutions Inc. (GA)

I was advised to contact you. I am wondering why I have items on my report that are not mine. I am thinking about starting a new business soon which prompt me to check my credit report. I see several items on my report that are not mine I need these items removed from my credit report. I have contacted the FTC and my local police. Im doing this on my own behalf. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX NA XXXX XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

Bank of America settled a class action lawsuit in XXXX that I should have been a participant of. My account was froze in XXXX causing 6 checks to be lost for 3 months. I have been forced to accept a loss of {$4100.00} due to unauthorized charges from the bank sending card to wrong address and I don't think I will be able to just give up. Bank of America used deceptive practices to defraud me of those funds and have not been held responsible for that. The settlement states any customer whos account was froze after unauthorized charges is a participant and I have proof this happened to me causing disconnect of utilities, phone, car insurance. I followed their protocol but have not heard anything back after 15 emails and other attempts to contact Bank of America. They cut all communications with me. I need assistance with this issue. I also would like a copy of the settlement orders and since CFPB was one regulator that did find the liable for those issues I don't see the issue with receiving a copy. Please instruct.
Consumer complaint received 2019-04-18
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. (NC)

Excessive Credit Pulls from the same company. 

Spoke with XXXX XXXX XXXX they confirmed XXXX XXXX XXXX XXXX XXXX pulled my reports in access of 6 times. They have completed investigation and requested inquiries be removed. hese are still showing on my bureau. They agreed there is no reason for multiple pulls in 24 hr time span. 

Credit Bureau used Equifax & XXXX dates pulled XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

XXXX XXXX did not have the authority to continue to pull my report multiple times in a few days. Date on the application was XXXX XX/XX/XXXX. They were not authorized to continue to pull. 

Please remove inquiries from my credit bureau.