davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I'm writing to report that Equifax has continued to allow fraud on my credit report. I asked them to remove the creditor, XXXX, in the amount of {$72.00}. I do not know of this creditor. I do not have knowledge of this creditor. I have had no dealings with this creditor. This does not belong to me. This is a fraudulent account. It is fraud. The address is also incorrect. I reported the fraud to Equifax and they still have not removed. I have no other collections on my credit report, except for that {$72.00}. And no other credit agency I reporting this in my report. I am requesting that Equifax please remove this creditor and amount from my credit report.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was applying for a mortgage loan with Bank of America in XXXX XXXX Texas, the agent XXXX XXXX was on charge of the process since XX/XX/XXXX of this year when I was prequalified for the loan. 

I was in search of my new home, and I found one and got assigned the Loan XXXX on XX/XX/XXXX, I was following every single step with her and the realtor, I paid my earnest money and then an appraisal of {$670.00}. 

The closing day was originally on XX/XX/XXXX but got moved to XX/XX/XXXX because of covid 19, unfortunately due to a bad representation from part of Ms. XXXX the process didn't went through on and cancelled the process on XX/XX/XXXX, she was blaming on bad information from my employer, but honestly she knew the exact amount of money I was making since day one and could tell me since that day that I didn't qualify for down payment assistant. 

It was such a sour experience, my first time trying to buy a house and got a very disappointing experience. I have emails back and forward with her, In the last email I express my disappointment and requested the appraisal money back and never heard from this agent again, phone numbers send to voice mails and no one has responded about the matter. 

I submitted a complaint no. XXXX with XXXX XXXX relationship manager and supposedly going to get an answer by XX/XX/XXXX but so far no one has contacted me. 

I have call a lot of different phone numbers, got transfer many times, stayed in waiting in line for more than 45 min and I haven't got any help from Bank of America. 

Please healp me with this matter Sincerely XXXX XXXX XXXX
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co. (MI)

I was covered by state insurance -XXXX XXXXXXXX XXXX They refuse to rebill, it should be paid in full by insurance. I never received a bill or statement saying I owe them money or I would have called them right away to find out what is going on. Found it on my credit report and disputed it. They said that this was an accurate account. The credit report say I owe them XXXX.
Consumer complaint received 2019-05-18
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. (CA)

This is an official grievance against TransUnion situated in XXXX. XXXX XXXX XXXX, PA XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a flawed & unverifiable account on my credit document and in addition an account in which I've called for substantiation of the claim and in which they have not been able to present, per the FCRA. For yet another time, the following are fraudulent and need to be removed : XXXX XXXX XXXX, XXXX # XXXX Date Opened XX/XX/XXXX. XXXX XXXX, XXXX # XXXX Date Opened XXXX. XXXX XXXX, XXXX # XXXX. Date Opened XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX. Date Opened XXXX- XXXX Regardless of my goals to resolve this unpleasant nightmare for a number of months now, XXXX. XXXX XXXX XXXX, PA XXXX has entirely ignored my interactions and legal submissions to delete this incorrect information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon.
Consumer complaint received 2020-10-29
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: Experian Information Solutions Inc. (FL)

I sent a dispute to Experian, advising them of several credit inquires that are listed on my credit report, of which I do not recall giving them permission to check my credit. I have taken time to contact these companies and none of them have been able to prove that I applied for credit with their company and gave permission. Per Section 604 of the Fair Credit Reporting Act, credit bureaus must have permissible purpose from the creditor, written authorization, and proof that I initiated the hard inquiry. This law must be followed, otherwise anyone could check peoples credit anytime they wanted. I am trying to achieve several financial goals in the immediate future, so it is imperative that Im able to get this resolved. 

Under the provisions of FCRA 611 ( a ) ( 1 ), the bureaus are required to have conducted a reinvestigation of my dispute filed XX/XX/2020, and to have concluded that reinvestigation within 30 days of the date of receipt of my dispute, which was XX/XX/2020. I sent this letter by certified / return receipt, so I know when they received it. I received no response from this bureau on this request.
Consumer complaint received 2020-05-18
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. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$690.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX  XXXX {$10.00} XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$2100.00}
Consumer complaint received 2020-10-29
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. (HI)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2020-12-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

In XX/XX/2019 I had a {$150.00} XXXX XXXX Credit Card Account Closed with a Balance of {$270.00} at which point I had made arrangements and made Payments to pay the Balance owed in which it reflects on my Credit Report that the last Payment was made on XX/XX/2019 I don't have the records but I know I paid all but about {$50.00} of this entire debt. which shows as a {$0.00} Balance on my Credit Report. However, In XX/XX/2019 XXXX XXXX sold the Debt. to Midland Credit Management. Since MCM has purchased the Debt they have contacted me multiple time by phone and mail. They continue to say I owe the entire {$270.00} and I have disputed this and have been unable to resolve it but simply the fact the Debt shows a last payment 3 Months and 3 weeks after the account was closed makes it more than obvious enough that I paid the Debt after the account was Closed. In all fairness I truly believe that Midland Credit Management should be fined the {$1000.00} for continuously Violating my rights under the Fair Debt Collection act. Plus everything about the Debt and or account be removed from all three reporting agencies. 
I would expect with the fine money a letter saying they are sorry for trying to collect a Debt I have previously settled before they purchased a Non existent Debt.
Consumer complaint received 2018-10-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WI)

I have made several attempts to correct a problem that I am not getting help with. There is a Fraudelent address on my credit report and it needs to be investigated. I have spent about three years trying to get this resolved, with about four letters to Equifax resulting in Zero results and this is -UNFAIR-to have a company reporting false information. The Fraudelent address is ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX ARKANSAS XXXX- I have never lived in Arkansas . Then there is a second address that is not mine of ; Equifax XXXX Former Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX-I have never lived at this address.
Consumer complaint received 2020-05-18
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. (CA)

XXXX  ; XXXX and Transunion should not be reporting the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years old and it is a violation of the Fair Credit Reporting Act to not reflect accurate information on a credit report. This false reporting of an account that exceeds the time frame to report is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

This is actually a combination of several things : How payments are being handled and how fees are being assessed/charged. I have a Perkins loan that is being handled with Heartland ECSI. This loan is not covered under the CARES act so I wasn't expecting anything to change with my payments. I'm currently paying more than required payment and I've payed over 50 % of the loan off. I received notification in XXXX that the loan had been placed in Administrative forbearance by the University XXXX XXXX. The explanation on the ECSI site is not clear but my balance indicated that I still owed about 13.00 in interest. I tried to pay it since the loan is in forbearance ( and I didn't request it ) I should be able to make payments without penalty, right? Wrong. Any payments are assessed a fee of XXXX per payment. If you use a credit card, you are charged a 4 % processing fee. The only way around this? Set up automatic payments and take the loan out of administrative forbearance - which I wasn't willing to do with the economic uncertainty. I want the advantage of no interest. ECSI will not allow me to make a payment while the loan is in forbearance. without charging me a fee. How is this legal on a student loan?
Consumer complaint received 2018-10-13
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. (NV)

I have disputed the late payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2020-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I received mail today. I received mail from Portfolio Recovery Associates, XXXX. They stated that a XXXX purchase from XXXX for {$1300.00} was transacted on XX/XX/2019 from location, XXXX XXXX XXXX XXXX Wyoming XXXX. 

I told the person from Portfolio Recovery that I have never lived in Wyoming nor purchased anything ever from a XXXX account. 

Original Creditor : XXXX XXXX Original Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UT XXXX Creditor to whom debt is owed : Portfolio Recovery Associates, XXXX  I talked to two people via phone and then talked to XXXX in the Dispute Department. 
XXXX also asked that I scan my drivers license and send it to their company. 
I am reporting a fraud complaint.
Consumer complaint received 2020-10-29
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. (GA)

ACCOUNT IN ERROR. 

XXXX Account # XXXX EXPERIAN and XXXX  have falsely claimed Missed payments that are severely damaging my credit score and reputation! 

This account has been closed since XXXX. 

Since there is no pay date or pay by due date for this account, how can the payment history show as being late or past due? How can I miss a payment date when there is none? 

Secondly, due to refusal to remove the account, I have since received a letter from XXXX stating the account is in good standing and is Paid In Full! 

I have attached a letter from the Credit Grantor XXXX XXXX as proof of the above mentioned statements. 

To this day, XX/XX/XXXX, EXPERIAN still has a balance showing and is still reporting Negative! 

I have also attached screenshots from my latest updated EXPERIAN account from XXXX showing how EXPERIAN is still continuing in fraudulent activity by falsely claiming a balance on this account as well as false Negative payment history claims! 

This fraud is severely hurting my mental and financial well being, especially during this pandemic! 

I NEED this account COMPLETELY removed from both EXPERIAN and XXXX  expeditiously! 

Thank you for your compliance in regards to this request of dispute of any and all account errors!
Consumer complaint received 2018-10-13
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: CarFinance Capital LLC, Irvine, CA Branch (FL)

On XX/XX/2018 I went and checked my credit scores using XXXX. There was a auto loan refinance prequalification page to see what better rates I could get. I filled mostly the information about the vehicle and continued. I was not able to get any estimates on the vehicle as they were having technical difficulties. After closing out of the website I noticed a hard pull alert on my credit profile from " CarFinance ''. I never applied for any of the companies they recommended which is why I'm sending this complaint. I did not give this company my full social security number, Written or Electronic authorization to pull my credit report, nor was I aware of a hard pull during the process. This was only to be a pre qualification which is suppose to be a soft pull at best. I've gone through other credit reporting prequalifications before and I've never had a hard pull initiated.
Consumer complaint received 2020-05-18
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. (WY)

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDNELNET partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-18
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: Experian Information Solutions Inc. (VA)

I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-10-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (WI)

We had an old XXXX account held at Benefit Wallet ( Bank of New York Mellon is the " custodian '' ). The balance was {$.00} and there were no fees owed on the account. I called to have the account closed because we no longer use it. They told me that the balance would be " XXXX out '' after closing the account. I asked if that meant they would electronically transfer the remaining balance to our personal bank and they said " no, it just gets XXXX out ''. Meaning they just keep it! Now while I don't care about my XXXX cents, it does seem wrong that a bank ( who serves thousands of people ) can just keep the remaining balances when a customer chooses to close an account that is in good standing with no fees owed! 

I asked what would happen if I just let the account sit there with the XXXX cents in it. They said that it would start incurring fees once we are no longer associated with the employer! So they really leave people with no choice! Again, XXXX cents is not worth fighting over. Neither would it be if it was XXXX cents. But in either case, most people would probably do what I did and just say it's not worth fighting over. Now multiply XXXX cents by a XXXX or more and suddenly there is a whole pot of money somewhere in that bank that doesn't really belong to them! How can they do that? 

I've worked at a bank and never would we be allowed to keep even a XXXX of someone's money when they close an account ( unless there were fees owed on the account ). Every cent needed to be accounted for. So how does this bank account for the money that they 'XXXX ''?????
Consumer complaint received 2018-10-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

RESPA states that the servicer should provide an explanation of how the surplus, shortage, or deficiency is being handled. BAC 's explanation does not include options for the customer to pay the full shortage. Their statement is confusing and seems to want to keep customers with a higher monthly payment and potentially cause financial distress throughout the rest of the year.

I received the escrow statement from Bank of America and it does not provide clear instructions on how I can pay my escrow shortage so my monthly bill isn't impacted going forward. It is very confusing and will likely lead to customers maintaining a higher monthly payment. Their website also doesn't allow you to pay the shortage without paying the monthly mortgage payment. It seems that they want to keep me at a higher monthly payment amount which isn't beneficial to how I pay my monthly bills. On the other hand, XXXX  's escrow statement provides three very clear options for the customer and their website allows for escrow only payments.
Consumer complaint received 2020-05-18
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC (AL)

In the beginning of XXXX I noticed a collection on my credit from a Vericred Solutions LLC. I was not notified of this before it was placed on my credit report. On XX/XX/XXXX I mailed a letter asking for debt validation and verification. They failed to comply and send this information to me, which should result in a deletion of credit from XXXX. I have not received any letter from Vericred about this account in any form. This is against my rights and a clear violation. I figured I would write here for resolution prior to contacting my state attorney general.
Consumer complaint received 2021-10-15
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. (OH)

I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, XXXX XXXX Equifax. This account does not belong to me.