davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (CO)

After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.
Consumer complaint received 2020-05-14
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. (MA)

I have made several requests to obtain a copy of my Equifax credit report. I did receive the other two reports, but Equifax has after one month still not forwarded a free report after several requests. I still need my free annual credit report.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been with Bank of America for 29 yrs. They have targeted me the last 3 yrs vying for me open up a Business Checking Account with a {$750.00} cash bonus for a balance of XXXX in new deposits and 5 qualifying electronic payments within 75 days. I tried unsuccessful at 2 branches before getting into XXXX XXXX branch in XXXX. I was told by XXXX XXXX the Small Business Consultant and XXXX XXXX that transfers between my personal checking and the new Business Checking would count towards the 5 qualifying electronic payments. I was very specific with asking both of them how I needed to meet the requirements for the bonus. For that was the only attraction for me to bring in XXXX of new money. I also would have never done the transfers for any other reason other than meet requirements, for my balance was always above XXXX. I am seeking the {$750.00} bonus that was promised and would like Bank of America to deposit into my Business Checking within 30 days. For I tried to make a appointment with XXXX to discuss, but when I arrived for the appointment she didn't have time for me, for unexplained reason! Ultimately the Branch Mgr said he would call by end of day and never did. I am deeply troubled that I wasted my time opening the account only to be mislead by 2 employees at the branch, who were confident in telling me the transfers would count towards bonus achievement.
Consumer complaint received 2020-09-17
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. (AL)

I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2020-09-17
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. (AL)

I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OR)

CHASE Bank reached out proactively to refinance an active loan # XXXX for property address XXXX XXXX XXXX XXXX. During the refinance of loan # XXXX to loan # XXXX, CHASE mistakenly recorded my current mailing address XXXX XXXX XXXX XXXX as the property address being refinanced. Due to this error, there is currently no active loan for XXXX XXXX XXXX XXXX XXXX, OR XXXX. Rather it shows as a lien against XXXX XXXX XXXX XXXX XXXX, OR XXXX. I have applied for a HELOC with XXXX for XXXX XXXX XXXX XXXX, but am unable to move forward due to the incorrect lien against my property. I have been working with CHASE to fix the issue, but am unable to get them to take the necessary action. CHASE has verified the discrepancy, but have yet to fix the problem. CHASE has never owned the loan or been involved in anyway for XXXX XXXX XXXX XXXX. This is having a real and significant impact on my homeownership and financial well being. I have spent significant time and effort toward resolution. This should be illegal on all sides. It is unclear how something like this can make its way through the many checks and balances associated with Banking and Mortgage Fraud. I assume that there is some sort of consumer protection in place. Please help! Thank you, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX
Consumer complaint received 2019-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

5 year old account balance went from {$1500.00} to over {$2000.00}. Then {$2200.00} to {$2300.00} last week. 
Collecting is inflating the amount owe on a old account.
Consumer complaint received 2020-09-16
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: ID Analytics, Inc. (GA)

To Whom it may concern : This is the second time that I try to remove information from my credit report that do not belong to me, I filed an FTC report and sent it to your company but these account still showing in my report, them I decided to file a police report which is been attached to this complaint, I don't have an idea how my identity was stolen I just know that I need help with this situation before it becomes more serious. Thank you.
Consumer complaint received 2020-08-19
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. (TX)

I have accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill  's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information XXXX XXXX I returned all their equipment and their still charging me. 
XXXX XXXX XXXX XXXXl XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX   XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove from my report
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Made a mortgage payment to TIAA Bank on their website on XX/XX/XXXX ; payment XXXX {$2900.00} XXXX was withdrawn on XX/XX/XXXX but insufficient funds so returned to TIAA. Called TIAA to discuss issue with payment on XX/XX/XXXX and was told that the payment will be sent a second time to my bank, XXXX. Everything should be fine. Checked my bank account on XX/XX/XXXX and two payments were withdrawn from my account paid to Everbank ( TIAA ). I had only made one payment on the website. Called customer service at TIAA and was told it was an error on XXXX 's part. I called my banker who informed me that the error was from TIAA and to submit a dispute for the extra payment, which I did. I received a refund of one payment to my XXXX account ( from XXXX pending the dispute ). However, TIAA was showing that I did not make an XXXX payment. My bank account showed that it was withdrawn on XX/XX/XXXX. I called TIAA numerous times speaking to many different customer service reps to take care of the situation. Continued to receive letters and phone calls from TIAA regarding the delinquency of my account. I sent an email to the customer service department with verification of the deduction of my account on XXXX. Never received a reply. Received another call from TIAA on XXXX of delinquency of my account. I called again and explained what had happened. The customer service rep assured me that TIAA third party payor made a mistake and she promised to investigate and get back to me. She called back, informed me that the webpage would show my payment and would be no reporting to a credit bureau. On Friday, XX/XX/XXXX, checked TIAA bank ( still showing delinquent and no payment for XXXX XXXX and received an alert that my credit rating had changed because TIAA had reported my payment delinquent. I received a letter from TIAA that I had a customer service person to support me ... this person has never once answered the phone. Every time I call, another person takes care of the complaint. On XX/XX/XXXX, I check my bank account and the TIAA bank webpage still not showing an XXXX payment. I called TIAA again ... and on the advice of my banker, told them I would send a certified check for both the XXXX and XXXX payments since they had not yet figured out where my funds were. I overnighted the check, sent a letter of which is attached along with the verifications from my bank account showing what TIAA did or did not do. On XX/XX/XXXX, TIAA deducted a payment from my account ( which I did not authorize them to do XXXX. This is almost 30 days after my initial payment was made on XX/XX/XXXX. Hours of phone calls, numerous letters from TIAA bank on the delinquency of my account and a default notice later, this issue is still not resolved. I sent them the bank statements today along with a wire transfer to return my funds and still waiting on that to occur.
Consumer complaint received 2018-04-01
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. (VA)

I logged in on XX/XX/2018 to check my credit report, and I've been checking on the site for a couple of weeks. 

Equifax and XXXX are not allowing me to download a free annual credit report online. Both credit reporting agencies have a standard message on their website accessed through XXXX that says online delivery of credit report is unavailable. They both want me to mail all my information and seek a physical report. 

In this day and age when the Trump administration is trying to make government and business more efficient this seems like an archaic process to get my annual report. 

Please ask both credit rating agencies to fix whatever problems may be ailing their respective websites so I can obtain my annual, free online credit report, as I'm entitled to get under federal law.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, XXXX, and Transunion and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, Equifax, and XXXX   and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.
Consumer complaint received 2017-08-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed (TX)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.
Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them?
As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (VA)

I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX  XXXX XXXX at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.
Consumer complaint received 2020-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (NY)

In XXXX I refinanced my existing mortgage with Citimortgage for {$250000.00} / 5.5 % / 30 years. In XXXX I was approved by CITIMORTAGE for a loan modification, after a reduced payment plan of {$1400.00} for 6 months, instead of the $ XXXX  monthly regular payments. My new modified loan was {$260000.00} / 4 % / 40 years. My question now is how did it get to {$260000.00} after paying for 9 years? My mortgage from XXXX to XXXX was always with CITIMORTGAGE and I made my payments every month, so where did my payments go. My mortgage is now being serviced by XXXX XXXX, but my problem is when CITIMORTGAGE was servicing my mortgage. Why are they dismissing me now. My mortgage # with CITIMORTGAGE is XXXX XXXX. Please help or tell me where I can get help. The math does not add up.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one was suppose to close my account down in XXXX. It has now been 6 months and the account is still open but on hold and no funds can be taken from the account. I have been reaching out to capital one every month about this and no one ever returns my call to assist me and they are just racking up interest on the balance. I have tried numerous time to resolve this and Capital One has done absolutely nothing to resolve it.