davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened an account. My account was in good standing. I receive XXXX checks from my children 's father XXXX was for a fee to pay for my sons school and the other was for a child support payment. I deposited the checks. I was later notified that the account was closed. I I looked on the XXXX and it says fraud activity. My career would be affected with this being on my report also it stops me from getting myself further established. I 'm not sure why this was the course of action taken. I would like this removed because I want to establish a relationship with Bank of America.
Consumer complaint received 2015-05-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (CA)

I have signed up for a personal XXXX XXXX credit card from US Bank. In the agreement I signed up for it clearly states that I will receive a XXXX free night AFTER PAYING THE {$75.00} FEE. However, soon after paying the fee I learned that US Bank has decided to not provide this benefit as promised. I called US Bank today to ask if there was anything available to compensate for this but was told the best I would be offered was XXXX pts or they could cancel my card and give me the annual fee back. They also stated that the new benefit was a free night in a XXXX hotel after XXXX dollars spend. This is nothing in comparison to the benefit that I signed up for. I did not accept this as it was not satisfactory because I would loose the benefits I have earned from he card and also it does not address the impact to my credit score associated with card applications. I do n't understand why US Bank feels that it can bait people into signing up for a product with the promise of great benefits and then switch the benefit to something else that is not even close to as lucrative.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

my credit report is so absurdly wrong and the credit co 's do n't care Ive tried to straighten them out I get inquiries from my corporation onto my personal credit report and they wont remove them I 'm XXXX and work for a co on my free time trying to raise money for my grandchildrens education and they think I own these corporations when it is in trust for my children. everytime I try to borrow money for the corporation they want to use my name I cant do that. they do n't understand but they put it on, my record anyway I want all this stuff removed please
Consumer complaint received 2017-04-28
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 a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive level. After a review and despite the amount was in dispute and finally corrected  they continue to report it as a negatively on my credit report.
Consumer complaint received 2024-01-26
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: Experian Information Solutions Inc. (MO)

I looked at my consumer report and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/XXXX and XX/XX/XXXX and asked them to investigate the completeness and accuracy. Experian keeps stalling my dispute and ignoring and saying that they received request regarding my credit information that does not appear to have been sent by me and they have also misspelled my middle name on their letters they sent to me. Experian has my middle name spelled XXXX which is incorrect. My middle name is spelled XXXX. Every dispute letter I have sent to Experian has my Drivers License, Social Security and utility Bill attached with it to verify my identity that I am the one that sends them. See documents attached. 


According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have also asked Experian to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccrate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly notify the furnisher of that information that the information as been modified or deleted from the file of the consume.

According to 15 USC 1681s-2 int states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact inaccurate. See documents attached
Consumer complaint received 2022-02-11
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. (CA)

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 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report with TransUnion has been frozen since 2008 and is showing me to have a credit score with my maiden name XXXX when my credit report is pulled with married name XXXX it shows I do not exist I have emailed them proof of my identity etc and they still have n't fixed the problem they have caused me and my kids to be homeless careless sick and poor they also cost me a foreclosed home worth $ XXXX that I was gon na purchase for $ XXXX but got turned down for a change loan etc because of this
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Mortgage Loan Number Loan # XXXX Gateway Mortgage Group , LLC, XXXX XXXX XXXX XXXX, XXXX, OK XXXX Gateway mortgage has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). I disputed this directly with Gateway Mortgage numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " Verified, No Change ''. Report attached.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services (IL)

I have XXXX hard inquries on my credit report from Clarity Consumer Services that state they pulled a hard inquiry from XXXX Credit Agency on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating XXXX and XXXX.I never had applied for any credit from these XXXX places or gave consent to pull my credit. I had disputed this with Clarity, faxed over a document, identification, and gave them authorization to investigate and was told they would not delete off my credit report.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Disputed statue of limitations of tax lien which has been paid to the State of CA for over 4 years now. Tax lien was placed on my credit reports on XXXX/XXXX/XXXX. XXXX reporting agency has since removed the lien judgement form my report. Transunion is refusing too, stating that the lien will stay on my report for an additional two years because it was paid off in XX/XX/XXXX. They give this reasoning based on the FCA, but what I have read states that if the lien has been paid that it is only supposed to stay on your report for seven years from the date that the lien was issued. Please assist. I do not know what else to do to get this inaccurate information removed form my Transunion credit report.
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

Roundpoint Loan Number XXXX I suffered hail damage on my home in midXX/XX/XXXX 2016. Submitted a claim to XXXX my home insurance company during the first week of XXXX 2016. XXXX issued payments for the same during the last week of XXXX 2016. Around XXXX XXXX, 2016 we fedexed to Roundpoint the XXXX checks and other paperwork as requested by Roundpoint for a disbursement from them to us. Since XXXX XXXX, Roundpoint has not contacted us even once regards disbursal of insurance proceeds. We have spent more than 5 hours on the phone with various Roundpoint reps and have got a variety of excuses but till date we do not have from Roundpoint any funds. We 've signed a contract with a roofing company and can not get our roof repaired due to Roundpoint not sending us our insurance proceeds. 
Initially Roundpoint pointed out a {$700.00} discrepancy in the paperwork which we addressed. The discrepancy is now down to {$63.00} and Roundpoint still refuses to issue payment to us.
Consumer complaint received 2015-08-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (LA)

I completed and returned the complaint form and they said they did n't receive it so I tried to call and could n't get a live administrator on the phone .My Name is XXXX XXXX and I can be reached at XXXX I would like to speak with someone about my participation complaint.
Consumer complaint received 2019-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

On XX/XX/XXXX I sent 2 letters to XXXX XXXX  in Pennsylvania requesting removal of XXXX late payments they recorded, XXXX for each account, reported at the beginning of my payment plan. My XXXX had gotten XXXX in XX/XX/XXXX and required my full-time care. I explained that after she XXXX XXXX in XX/XX/XXXX, I have made on-time payments ever since. They denied my request on XX/XX/XXXX. All 3 credit bureaus still show me as having XXXX late payments which disqualifies me from work, housing, loans & any other simple background check. It has caused irreparable harm to my life.
Consumer complaint received 2016-05-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently viewed my latest Transunion Credit Report and the following disputed inquiries have been properly investigated and removed from my XXXX Credit Report. Transunion refuses to remove the same inquiries from my Transunion Credit Report. How is it that XXXX conducted their investigation which resulted in the removal of the inquiries and Transunion investigation found the inquiries to be legitimate. This brings into question Transunion Ethical Standards and trustworthiness when it comes to complying with the FCRA ... .. THE FOLLOWING INQUIRIES WERE REMOVED FROM XXXX ( CONFIRMATION # XXXX ) BUT STILL REFLECTING ON MY TRANSUNION CREDIT REPORT. : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also requesting that Transunion to update my current phone # which is XXXX.
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CO)

My mortgage company put on my credit report that I was 31 to 60 days late on my house payment. They did the same thing 3 years ago. I had proof then and I have proof now that I was NEVER 30 days late, let alone 31 to 60 days late. 
I called and they supervisor I spoke with was very rude to me about it. I stated I had proof and she refused to take it. She told me to write her a letter and then they would consider that matter but until then I 'BETTER MAKE MY PAYMENTS ' or she will make sure she continues to put negative marks on my credit report. 

Last time this happened I had to file a complain and call the corporate office to get it off my credit report. I paid my account then and now, I was never 30 days late on this account.
Consumer complaint received 2022-02-11
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. (TX)

I have initiated several disputes since XX/XX/XXXX to the three credit bureaus regarding an alleged charged-off account on my credit report, original creditor XXXX 's XXXX XXXX XXXX by XXXX XXXX XXXX  XXXX XXXX I have reached out to XXXX XX/XX/XXXX and XX/XX/XXXX, per Section 609 ( a ) ( 1 ) ( A ) to have the alleged account verified. I was informed they had no documentation of the account. They then transferred me to XXXX XXXX XXXX  whom the alleged debt was sold too and collected on for reconciliation. On XX/XX/XXXX I spoke to XXXX ID XXXX whom stated the account was closed due to me filing an identity theft report back in XXXX. Their was no documentation that could be sent to verify the account, not even statements. I then reached out to XXXX XXXX XXXX  again on XX/XX/XXXX because the credit bureaus did not do a proper investigation into getting this account deleted. Instead, their are repeatedly updating the account monthly and stating the account was " verified ''. How is it being verified if the creditor ( s ) have no documentation to prove such account according to FCRA. I was NEVER sent any documentation over the past 6 years. I had no clue of XXXX XXXX XXXX. I spoke with 2 agents on XX/XX/XXXX XXXX ID XXXX and ID XXXX which both stated the account was PAYED IN FULL and the credit bureaus did not reach out to them regarding an investigation. They alliterated to me of account under fraud investigation due to me reporting identity theft years ago. I even offered to pay % 50 of the account due to them dropping my scores over 100 points since XX/XX/XXXX and they were unwilling to take payment due to the status of account. In conclusion, the bureaus did not do a proper investigation over the course of reconciliation.
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: McCullough Payne & Haan, LLC (GA)

On XXXX XXXX, 2015 we became aware of problem with our bank account. We were in the process of moving during this time and found that our account that had more than {$2500.00} in it had been seized. According to the documents that our bank provided us two weeks later, there was a summons of garnishment issued to them by Magistrate Court in XXXX County Georgia.The attorney listed on the summons was McCullough, Payne & Hann in XXXX, GA. I am unfamiliar with the Plaintiff who was listed as XXXX XXXX/XXXX XXXX XXXX We also have never lived in XXXX County so I 'm unsure as to why this was filed there. The garnishment seized funds in a joint account so I am unsure who they were trying to garnish, myself or my husband. Bottom line is this company has taken all of the money that we had to our names and I would like some answers as to why our bank, without having proper definite information that this is even our debt, attached the garnishment without confirmation of ownership.
Consumer complaint received 2017-01-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (WI)

Ibr is set up for the college students coming out under the age of XXXX, not for mature adults who have a mortgage, retirement plans, children and other major expenses. At work I was told to get my XXXX to keep my job and now find the repayment plan is almost as much is mortgage payment. Worse yet l be paying into retirement and jeopardizing my future retirement. I can not afford XXXX month payment and my spouse will not pay XXXX of my student loan.
Consumer complaint received 2015-05-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Brookshaw Management, LLC (TX)

I am receiving multiple, harassing phone calls from a company called XXXX regarding a scheduled service date. I have not received any documentation from this company and I do not recognize this company nor have I signed for any loans with a company named XXXX I have received multiple voicemails on my cell phone and they are also calling me at work and I can not receive these types of calls not do I want to receive these calls at my job. Someone name XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX are calling me multiple times per day. Sometimes leaving a voicemail and sometimes not. They left a file number of XXXX but I have not received any type of written notice of debt or any type of correspondence from them but it sounds like they are attempting to sue me based on the threatening tone of the voicemails I have saved. They keep saying on my voicemail they need to deliver a notice of intent but I have no idea of who this company is. They left a number of XXXX. My cell voicemail does not identify me and this is in violation of the FDCPA and the XXXX.
Consumer complaint received 2021-06-03
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 pulled my credit report XX/XX/2020 and noticed I have 2 accounts on my report that doesn't belong to me, XXXX XXXX and XXXX XXXX. I have disputed the accounts multiple times and the accounts still reporting.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Central States Recovery, Inc. (KS)

Central states Recovery has been contacting me at work and when asked no to the lady her last name was XXXX told me she would call me as often and as much as she wanted at work ... this started happening on XXXX XXXX 2015 when I told her to call me after hours when I am not at work and had no problem talking to her at that point. She told me if I did n't talk to her when she called she would sue me. I told her do not call me back at work and hung up on her she immediately called me back and asked to speak with HR department when I told her we did n't have XXXX she said Yes you do. I asked her again not to call me during work hours and she immediately called me back again then called again on XXXX/XXXX/2015 then the weekend went by ... I did n't get the time to call her before XXXX on Friday the XXXX.The calls started again on Monday the XXXX again she was told not to call during work hours. then on Tuesday the XXXX she called again I took the information down and called back at XXXX I reported how she treated me and requested a different collector. she then again started calling me at work on the XXXX and again I asked her not to call me at work she replied that she will call when she wants I told her that my employer has requested her to not call me at work and she said " well your employer probably doesn, t know you owe XXXX dollars either. It is none of my employers business what I owe. I hung up on her. She then called back and talked with my boss asked for the address and HR of my job.. I called to make a complaint to CSR and the refused to let me speak with a manager. I was put on hold and then I hung up because I am at work I can not be bothered by this I told her I called back on the evening of XXXX and she said NO YOU DIDNT ... I AM BEING BOTHERED BY THIS DAILY AND CAN NOT AFFORD TO LOSE MY JOB DUE TO THEM HARRASSING ME
Consumer complaint received 2016-08-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Account Control Technology, Inc. (FL)

Multiple Issues. Last week I received a call that appeared to sound like it came from an autodialer. My phone is a cell phone. When I asked the representative, she kept skirting around the issue and I asked to cease and desist. 

I received another call and right away the person asked for me and provided my full name, date of birth and last XXXX of my social. Nothing was confirmed by me who I was and I asked who she was. She stated her name was XXXX XXXX. I asked if she was calling on her own or on the behalf of a company. She stated she was calling from Account Control Technology on a personal business matter which is well known to be a collection call. I asked to have my number removed.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.