davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
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: EQUIFAX, INC. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NC)

Good afternoon, I had a loan with M & T Mortgage and I made every payment on time throughout the 8 years I had the mortgage with them.

I sold the property and the closing took much longer than expected due to COVID and due the buyer and they buyers lender which was out of my control. It actually 3 months to close, so I made two payments during that time. The 3rd month I was advised by the lender and the attorney not to pay the last mortgage payment because they had already called and gotten the payoff and that it would interfere with the closing disclosure at the closing if I made  the last payment. We were supposed to close on the XX/XX/XXXX, but something happened on the lender/buyer side and it was bumped to XX/XX/XXXX. 

My mortgage company ( M & T ) called me about the payment, and I explained that we were closing on the property the next day ( XX/XX/XXXX. ) He said that would be fine. He did not say, Well you better pay it now or this will be reported to the credit buruea. If he had, I would have gone ahead and paid it and dealt with the consequences on the closing. I have been working very hard to get my credit built up, and now it went down 64 points due to 1 day.

I checked my credit score today and it has dropped 64 points due to the payment being paid on the day of the grace period ending. The balance of the account is now XXXX, so I called M & T and asked them to please consider pulling back the negative impact to my credit.

I was placed on hold and advised that per the supervisor they could not do that and I would just have to deal with it.

I advised them that I was not happy with that and asked if there was anything else I could do and she told me no.

I am asking if there is a way to have this negative report removed from my credit.

I am happy to provide more details if someone can let me know what I need to provide.
Consumer complaint received 2017-02-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern TransUnion 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 To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX when I pull my credit it state that I just moved to the location I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of XXXX bills THIS ADRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX IS NOT MY ADRESS PLEASE DELETE Please update my phone number to my public profile XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX XXXX XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

Please see the exhibits below. I have several accounts of which a tender of payment was tendered, with acceptance and credits applied to the account, with the account in a status, warranting a refund, of which only XXXX sent. XXXX, the account was reported paid and closed XX/XX/XXXX to XX/XX/XXXX. I actually sent several {$12000.00} payments, which they kept and processed, meaning they have double payments ( securities fraud ). There were never late payments on that account, being that payments automatically came out of my account and then the account was in a paid status. I have submitted reports to FTC, SEC, and FINRA against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$8000.00} was sent and applied to the account, furthermore, XXXX {$8000.00} payments were sent and accepted and applied. XXXX, {$27000.00} tender of payment was sent, XXXX and XXXX to XXXX, and NO late payment ever occurred, that is false, and it was applied to the account, with a refund of {$1200.00}, and the account is now paid and in closed status. The lien release of the title was sent as well. XXXX, fraud was committed by them and XXXX XXXX XXXX the loan was originated. However, a tender of payment of {$13000.00} was sent and applied to the account, with a paid in full and no payment due status. A payment was tendered to the Investor, Fannie Mae, for the mortgage account with XXXX. XXXX  is NOT the lender, and was never the lender of that account. They committed mortgage fraud and misrepresentation of the origination of the loan, causing an imperfection. They have sold and traded the loan to third party investors, causing a break in the chain of documents. I sent a payment of {$160000.00} to the investor and the indentured trustee. I am NOT late on that account, and should be immediately removed. I have reported XXXX to FINRA, SEC, CFPB, and Congressional Inquiry for their fraud and racism. Also, all inquiries on my account made after XX/XX/XXXX are not authorized. I received several phone calls from merchants saying XXXX, Equifax, and XXXX sold my information to them, and they processed my credit ( without my authorization ) to obtain a mortgage loan or refinance. ALL inquires need to be removed, they were NEVER authorized by me. My name is XXXX XXXX XXXX or XXXX XXXX XXXX. Any other name is legal fraud. Please update my account accurately. If you refuse to update these accounts I will have to pursue legal remedy, and each violation will accrue a {$1500.00} per violation per month it keep reporting.
Consumer complaint received 2019-05-21
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: Island Finance Puerto Rico (PA)

Ive been a victim of Identity theft and theres 3 accounts that Ive never apply for called Island Finance account # XXXX Open on XX/XX/XXXX for the amount of {$2300.00} account that I did not apply for that account that appear on my XXXX Credit Report I spoke to XXXX from the debt collection dept and was told that she couldnt help, she suggested me to pay the remaining balance. 

on XXXX XX/XX/XXXX this account called XXXX account XXXX that was obtain by someone who stolen my identity, open a loan under my name, appears in My XXXX  CreditReport I never apply for this loan, I spoke to the collection department of XXXX and they didn't want to help they just wanted the payment of {$2500.00} I explain to the representative that Ive never obtained that loan and they suggest me to pay the balance and they will stop calling and harassing me. 
This account also appearing on my XXXX Credit Report On XX/XX/XXXX XXXX XXXX Open a Fraud account in the amount of {$2300.00} I spoke to XXXX of the collection debt dept and was told to pay the total amount, I told her that account was not obtained by me it was open by some one who stolen my identity and she keeps calling and calling harassing me to pay
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear Sir or Madam : I am a veteran, recently I relocated to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Consumer complaint received 2015-11-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I purchased my home in 2005. My loan was sold and now it is with Bank of America. This bank was not reporting my full payments. They kept raising my mortgage almost as if they was trying to make me loose my home. I asked them for a loan modification several times. They told me not to make the payment so they can process my modification. I did everything they ask me to do and they just deny the modification every time for some false reason. When I show them that I did everything they ask, they start the process over and over again. This has been going on for too long.. Now they are trying to file forclosure on my home. The papers says XXXX VS ME. I never bought anything from XXXX. This bank is really trying to steal my home
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX I logged into my Bank of America credit card and saw a banner stating I was targeted for a {$300.00} bonus if I opened up a checking account with BoA and established {$4000.00} of qualifying direct deposit. I applied for this offer and my bank account was opened a couple days later. On XX/XX/2017 I transferred an opening deposit of {$25.00} to the BoA account. One XX/XX/2017 I saw a charge stating " ACCOUNT CLOSING TRANSACTION XXXX '' ( See attached document ) that wiped out my account. When I called to inquire about this charge I was told that my account was being closed as a " business decision '' and no actual reason could be stated. I was told I 'd receive my {$25.00} opening deposit back in the mail in a couple of days. Although the contract states either party can close the account for any reason, it is not justified for Bank Of America to have me go through the trouble of opening the account because of the bonus attached, and then shut it down for what appears to be no reason. To bait customers with the bonus, have them go through the effort of opening the account, and then shutting them down for no reason is not good business practice, and in some cases against the law. I would hope this situation can be remedied by BoA to make both parties happy.
Consumer complaint received 2016-06-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NC)

I am XXXX assisting my client. PNC bank has continued to refuse to send me the information I have requested to assist the homeowner. I need a Verification of Mortgage and have sent a Qualified Written Request and XXXX authorizations on XXXX XXXX, 2016. They will not respond with a written statement mortgage on their letterhead or with an officer of the bank 's signature. They send information but not such that is acceptable for the underwriters. Please assist as this client needs assistance through XXXX program. They will not answer my calls.
Consumer complaint received 2015-07-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (FL)

I had a XXXX BMW and due to all my expenses and paycuts I had to file bankruptcy. I spoke to them in XXXX XXXX about this. On XXXX XXXX/XXXX/XXXX my Bankruptcy was filed with the XXXX XXXX XXXX Court. On XXXX/XXXX/XXXX in disregard and violation of the Bankruptcy Protection they repossessed my car. I told my attorney. On XXXX/XXXX/XXXX my Chapter XXXX bankruptcy was discharged. BMW reported late payments in XXXX, XXXX, XXXX, XXXX XXXX in violation of the bankruptcy injunction with all XXXX credit bureaus XXXX. I was under bankruptcy chapter XXXX Protection and they proceeded with their collection activities. BMW has refused to correct my credit report history with the 3 Credit Bureau. This applies to both myself and my husband XXXX XXXX that filed separately. He filed on XXXX and discharge is scheduled XX/XX/XXXX.They should be showing the balance as -XXXX- and they are not in an attempt to collect on a discharged debt.
Consumer complaint received 2015-11-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC (IN)

This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid hundreds of dollars to them and now they want to garnish me. I have offered to settle ( attached ).
Consumer complaint received 2017-01-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (AZ)

I finance a car thru Ally Financial on an 8.44 % rate. However, after reviewing my payments and total I believe they 're taking advantage of me and applying all payment to finance charge. I 've spoke to the rep and she has state they forecast charges therefore I must pay that interest. I was never late on this loan always paid as agreed however for 2016 I paid more in finance charge than what was applied to principal. Now I understand a high interest rate most payment would be applied to interest however on an 8.44 % rate my I should n't have paid more in finance charges than towards my principal. No one can explain this. I feel taken advantage of as a minority an XXXX XXXX Male. I have giving more money towards my payments to pay off early but none of my payments where applied to principal but to interest. I feel abused in this situation.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CORELOGIC INC (AL)

I applied for a vehicle loan, The dealership said I was currently past due and had XXXX open autos. I do not I have XXXX. I went to the credit union she showed me that they were reprting correctly. I went to annual credit report.com all XXXX bureaus were reporting correctly. 
The only place reporting incorrectly is credco corelogic. Thier defense is they get thier information from credit bureaus, My point is The vehicle they are reporting is A paid out vehicle, It has been reporting correctly through thier system for years I have proof they reported it correctly before. I do Not have but XXXX open auto its through XXXX XXXX. They seem very unwilling to correct the problem and are putting it off on bureaus and Credit union. But I have proof that bureaus and credit union have it correct. 
Please help in any way you can This has directly affected my score and I have numerous inquries. I also have been turned down for an auto loan.
Consumer complaint received 2023-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TN)

I have a carecredit account through Synchrony Bank. The card allows for the payment of medical bills, with a 6 month interest free grace period on all charges over {$200.00}. If the promotional purchase, as they call it, is not paid in 6 months, they charge an extremely high rate of interest. 
I attempted to make a payment via my husband 's bank account on XX/XX/XXXX through the website, but an error occured and my payment did not go through, but I was not notified until XX/XX/XXXX of this, which caused my promotional purchase to expire, therefore causing the account to be billed with XXXX dollars in interest. I contacted our bank and was informed my information was correct and there were sufficient funds. I called carecredit and was told that if I paid by XX/XX/XXXX, they would reverse the interest charges. I immediately paid them {$6000.00} from my bank account, which went through with no issues. 
Since then, I have made about twelve calls/online chats with carecredit, and the issue has still not been resolved. I was told on one of the more recent calls that I would only receive reimbursement if I paid an additional XXXX dollars. I paid that, and requested that it be allocated to the expired promotional purchases and that my interest be refunded, as promised by multiple carecredit representatives. They did not allocate the money properly, so my account is still incorrect, and I still have not recevied reimbursement. 
They allocated the money to purchases that expire in XXXX, so if they money does get adjusted properly, it will cause me to incur interest on the XXXX payment, which I am ready to pay now, but can not due to how they have allocated everything. It would be on promotions ending in XXXX and I would have to go through this all over again.
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (TX)

I have been reporting to you previously that this Gregory Funding was involved in charges to my account. 

I want to report this time the possible fraud with my mortgage and house located at XXXX XXXX XXXX XXXX tx XXXX. 

This Company Gregory Funding showed up as soon as a fraud of my house started to robe my house in XXXX with robbers ( XXXX XXXX, XXXX, Constable XXXX XXXX, constable XXXX XXXX, XXXX XXXX employees, Judge XXXX XXXX, XXXX XXXX Police Department and other involved from XXXX 

I presented report XXXX to XXXX police Department about this robbery in the middle of XXXX. This police department ignored my report and waited to the robbers finish with the robbery in XX/XX/XXXX in XXXX. 

I also reported this robbery on XX/XX/XXXX, when robbers stole my house and personal belongings. 

Robbery included my house located at XXXX XXXX XXXX XXXX tx XXXX and all my personal belongings at the house.
Consumer complaint received 2016-02-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (FL)

Realtime Resolutions is reporting a Duplicate Loan From XXXX XXXX XXXX. I have contacted and filed a complaint against XXXX XXXX XXXX for the same loan. My records indicate that my last payment was over 7 years however they are still reporting this account.
Consumer complaint received 2023-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (OR)

I have more than XXXX checking account at US Bank. XXXX account ( call it A ) was opened originally to exclusively receive social security payments for a minor child, but those payments had ended. To pay bills I use my personal checking account ( call it B ), for which I was running low on pre-printed checks. But I had a full box of checks pre-printed for A. XXXX took XXXX checks that were pre-printed with the account number for A, crossed out the account number, initialed the deletion, and wrote in the account number for B. XXXX used these checks to pay XXXX utility bills. The bank, however, treated the checks as being drawn on A and charged me fees for " insufficient funds, '' since there were only a few dollars left in the account. I want to contest the bank 's authority to interpret the checks in contradiction to their clearly expressed intent. I will probably be charged " returned check '' fees by the utility companies as well, causing me to be out-of pocket about {$100.00}.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I became XXXX  and XXXX in XXXX of XXXX. I continued paying loan and car note until I had no other option but to file insurance through XXXX  whom I have been paying for insurance for the loans I have with them. I have never been late before. I called XXXX explained my situation told them I have not been working and would like to put in a claim for the auto and loan that I currently have with them. I was told insurance has been filed and XXXX will take care of it. Now I have been hit with late payments even though insurance has been paying. XXXX 1LATE PAYMENT XXXX 2 LATE PAYMENT