davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

Experian continually reports fraudulent information on my credit file. I have reported this account numerous times. First of all Ive been a victim of identity theft this has been occurring for years. Experian always unblocks any information they see fit. Regardless if the account is fraudulent or not. I never opened a loan in XX/XX/2021. That wouldnt have been possible my score at that time was XXXX because of the fraud. Yet Experian is reporting the XXXX XXXX credit union account as opened in XX/XX/2021. As an installment loan. Which Ive never done business with this institution. After over 4 years of identity theft I now filed bankruptcy. The my community fraudulent account was included in my bankruptcy filed XX/XX/2021 as well this account is now discharged. Yet Experian keeps reporting it as charge off, refuses to mark the account as chapter XXXX. This is against the law, and the company refuses to follow FCRA bankruptcy laws instead keeps attempting to collect a debt included in bankruptcy.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I have a home equity loan with Bank of America and have been treating unfairly. I have tried to resolve the issue with them, but the person I was assigned to investigate, XXXX XXXX, XXXX XXXX, XXXX XXXX, refuses to return my call ; I was informed it is the correct direct phone number. 

Bank of America XXXX XXXX XXXX would send me letters stating I did not have Flood Insurance and purchase the flood insurance from my home equity loan. I would fax proof of insurance, but they have never credit back my home equity loan. I had the representative from my XXXX XXXX XXXX on a conference call with me, the agent from Bank of America became unprofessional ( talking as if she did n't know what to do ). 

I received a letter, stating my account was " charged off '' ; I have been calling XXXX XXXX to explain what this means, but she never returned my calls, which resulted me to calling the home equity customer service and was told it means the account is paid off. Now I am being reported to the Credit Bureau for non-payment. 

I found my last notes, whom was with XXXX, BOA, stating charge off means we owe XXXX and will be able to make payments without interest until balance is paid and I paid XXXX by phone. However, I was not able to make any future payments because XXXX and XXXX stated my account showed it was paid out. 

I have been informed that my credit report shows that I have not paid Bank of America over a year. I also received a threat stating that I will never be able to transfer this loan. 

I just want my home equity loan from under Bank of America and placed with my mortgage company. I will be very, very happy and a satisfied customer, because my credit will be perfect again.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-10
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 2. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 3. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
4. The following status is Incorrect and unverifiable XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 5. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 6. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 8. The followng information is incorect XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 13. there is some inaccurate information reporting. XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Consumer complaint received 2022-08-05
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. (NM)

XXXX and Equifax failed fix error in account site unable to add documents saying I sold vehicle. XXXXXXXX XXXX XXXX
Consumer complaint received 2017-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I initiated two payments using Chase online to XXXX XXXX XXXX ( the " payee '' ) both payments initiated on XX/XX/XXXX and both payments " expected to arrive '' on XX/XX/XXXX. 

The payee claims to have only received one payment and can not identify which payment it received. Chase claims both checks were deposited.

I asked Chase to initiate a fraud claim with regard to the payment which was n't received by the payee. They have refused because " I can not tell them which of the two payments was n't received. '' The payments were made from Joint Checking and High School Checking. The transaction numbers are XXXX and XXXX. 

Please cause Chase to investigate and confirm that both checks were deposited. If they were, please cause them to open a fraud investigation as I have confirmed with the payee that they did n't deposit both checks.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IL)

I have been trying to have a PMI payment cancelled with XXXX, after my mortgage was resold to them at the beginning of the year. Currently, PMI is still being taken out of escrow despite my mortgage now at 76 % XXXX. When at 80 %, they required a {$500.00} appraisal on the property when we had refinanced 6 months earlier. This itself is ridiculous as a quick mls search in area within the last XXXX mos is sufficient to see the value of home had not declined. A full reappraisal in such a short time period is absurd, and an abuse of fair reading of the law. 

As the appraisal cost was more than continuing PMI payments until reaching 78 %, I waited. We received a letter in XXXX saying PMI would be cancelled automatically, as required by law, at 78 %. When I realized PMI was still being charged after hitting 78 % i called XXXX, only to have a representative try and tell me I had to hit 78 % of the balance of the loan when refinanced, not the value of the loan, a ridiculous lie. 

XXXX minutes of phone arguing eventually had them tell me I must submit a written request to remove PMI XXXX despite this in explicit violation of the law ). I did. XXXX months later, I am still trying to get the PMI payments halted.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I spoke with 3 reps XX/XX/XXXX from Capital One. XXXX assisted with changing Account Number due to a fraudulent charge. Then XXXX was conferenced to assist with Credit Limit Request and to confirm if there would be an inquiry on my credit by requesting Limit Increase. XXXX referred me to XXXX XXXX to manually answer questions and advised of 29 % APR interest rate declined request to lower rate to 0 % APR only stated the interest rate is based on the Prime Rate. I escalated to speak with Manager, XXXX, who advised Capital One does not have any options to lower the interest rate and assisted with my {$3000.00} credit limit request only to advise I could only receive an additional {$100.00} increase to {$700.00} Credit Limit Totaling {$800.00}! Also advised XXXX  day late payment was related to {$1.00} charge which I was unaware of that was added to another small {$8.00} charge which was paid in full with no other late payments to date before XX/XX/XXXX and after XX/XX/XXXX. XXXX advised Capital One reviews account every 6  months and use to provide random Credit Limit increases years ago, but did not state when they last occurred. It is unfair to add a XXXX  day late for a {$1.00} fee I was unaware of and then another {$8.00} fee. I am a XXXX who prides myself on paying my bills on time. I
Consumer complaint received 2021-07-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

We hired XXXX XXXX XXXX to modify my mortgage in XX/XX/XXXX. They promised that the whole process takes 3 to 4 months and would get my mortgage at a 2 % TO 3 %. In XX/XX/XXXX I received foreclosure papers on my house. I contacted XXXX and they told me it was a scare tactic to try and collect money from me from the mortgage company collections department. Told me not to worry i was protected by them. At the end of XX/XX/XXXX I was served with more paperwork from the mortgage company to start a loss mitigation process. Tried to contact XXXX to see what was going on and couldn't get any answers. After 4 days of probably calling them 6 or 7 times a day I finally got a call back, only to be introduced to their compliance Department and a guy named XXXX, well XXXX is a fast talking used car salesmen that loves using all kinds of acronyms to make it sound like hes on the up and up, but he is incapable of answering a question with a direct and honest answer. The results of my communication with them was XXXX telling me that I had to pay an additional {$6000.00} for my case to move forward ( with no guarantee that they can deliver on the promise that they made ). Throughout this entire process there has been little to no communication from XXXX to me except for once a month when they contact me looking for their payment. They have been taking my money for 17 MONTHS and have accomplished nothing, I had taken the Mortgage companys offer for loss mitigation and started that process on my own. I was lied to and promised that my loan would be modified at a low interest rate within 3 to 4 months with a 100 % money back guarantee, and now they are saying that they will not refund me since we did get an offer back from the investor ( yet they have not and can not show me the offer ). 
Because of XXXX my home is currently over a year passed due, and in foreclosure. 
XXXX is a scam, they are very dishonest and misleading, and do absolutely nothing that you can not do for yourself, ( other than extorting money from you ) My house is now in forclosure because of XXXX and I am fighting with everything i have to keep a roof over my kid 's heads
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

The following inquiries was supposed to been removed and is still showing. This is on my Experian report which I pay monthly for. 


XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX date XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XX/XX/XXXX-Inquiry date XX/XX/XXXX-Removal date Bank Credit Cards XX/XX/XXXX, XXXX XX/XX/XXXX BYMAILONLY
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Debt is not mineDescribe what happened so we can understand the issue ... 

I have received a XXXX point reduction in my credit score from transition When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX XXXX.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to XXXX. I called XXXX who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling XXXX again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with Transunion and explained that I never received an itemized bill from either XXXX or XXXX. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a 0 balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX
Consumer complaint received 2015-05-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I never received any documentation other than a collection notice. I disputed the claim with TransUnion. They sent the results of their investigation stating that it was " VERIFIED, NO CHANGE ''. I called TransUnion and asked how it was verified and apparently they just called the collection agency and the collection agency said it was legitimate.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On Wednesday, XXXX XXXX XXXX I tried to place a credit freeze through Transunion. Their process is unnecessarily convoluted and not at all reliable. First I had to wade through innumerable ads to use their own " lock '' service instead of the freeze I already knew I wanted. Then, instead of simply identifying myself and receiving a PIN on one simple page as with every other credit agency, I was forced to sign up for a Transunion account. 

The account creation process itself is an exercise in poor web site security practices, including silently truncating passwords over an arbitrary length, outdated " secret questions '', plain text entry fields for dates instead of date pickers, required manual formatting for dates, complexity requirements that are n't explained anywhere, and misleading or blatantly incorrect error messages. 

Once I fought through all that mess, I finally was allowed to actually request my credit freeze. After adding my payment information and answering the identification questions, I reached the standard commit page that warned me not to refresh the page or press the back button. Once everything appeared to complete and I was redirected to confirmation, the page at https : //freeze.transunion.comXXXX did n't even load! I now have no idea whether my freeze is in place or I have been charged for it. 

With everything that XXXX has done over the last several months, this sort of incompetence on a public facing web site of a credit reporting agency is simply gross negligence. And these agencies have the gall to charge us for their services.
Consumer complaint received 2020-10-06
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. (MO)

My identity has been compromised and left unknown accounts on my credit file.These accounts are obviously derived from identity theft. Pease remove the following accounts.

1 ) Dept of ED/ XXXX   {$11000.00} 2 ) Dept of ED/ XXXX  {$6800.00} 3 ) Dept of ED/ XXXX  {$12000.00} 4 ) Dept of ED/ XXXX  {$5800.00} 5 ) Dept of ED/ XXXX  {$10000.00} 6 ) Dept of ED/ XXXX  {$4500.00} 7 ) XXXX XXXX XXXX
Consumer complaint received 2017-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP (CA)

This is a complaint against XXXX XXXX XXXX XXXX XXXX Regarding a so called debt which I am not aware of from 2008 the original creditors XXXX XXXX XXXX XXXX from The above co obtained a judgment the XXXX XXXX court. I did not receive any communication from any of these people, now they are writing a letter stating that I owe {$840000.00} these people buy debts pennies on the dollar I am not aware of any such debt. and they are trying to collect a false debt from 2008 the statue of limitation for any civil law is 6 years this is way past the time and I do not owe any one such a debt. the above law office is intimidating and harassing me under the guise of law firm or a debt collector I want this people to stop the letter d of intimidation and harassment
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDEN 1 CREDIT UNION, THE (CA)

My bank has notated fraud on my account. They claim that I was warned multiple times to not give out my card information and that I refused and continued to do so. I informed them this is not true, and I requested phone recordings to prove their claims. They told me they would not provide such information, and I was welcome to subpoena through my attorney. All I want is these untrue and unproven claims removed from my account/record. I no longer bank with this institution, and I would prefer to have no more association with them. However, this false information is being relayed to other banks, which is completely unacceptable. I have the last phone call from the company recorded ( which I notified them of prior to the phone call ), but it is too large to upload here. I will forward upon request, but this call confirms these claims.
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: AMALGAMATED TOKEN SERVICES, INC. ()

complain coinlist because Yesterday morning at XXXX I turned XXXX usdc mi usdye in the coinlist. My money has been withdrawn from Usdc parity but I haven't had money in the USDC department in the past 1.5 days. I have no money in the us department. I'm e-mailing no response. You have no right to suffer like this, i haven't had a response in days, i sent an e-mail, twett, and no one answered.
Consumer complaint received 2017-10-04
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 — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (GA)

I wrote and mailed a debt Validation certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. They responded with a contract that was not signed by me. As you can see they forged my signature and copy and pasted on the form attached. The address they have listed for me I never lived at that address and was with XXXX in XXXX. So this is not proper proof saying this debt is mine. I reached out to the company twice on XXXX and XXXX to remove this from my credit reports and was denied both times. My next step it to star litigation against XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

Mortgage company ( Fifth Third Bank ) added force-placed homeowners insurance on my mortgage despite the fact that I have always had homeowners insurance since the initiation of my loan and sent them proof of this insurance via email on multiple occasions per their request. I spent approximately 6 months going back and forth with the bank about the aforementioned issue and ultimately had to involve my attorney to have the issue corrected by having the force-placed insurance removed from my mortgage statements. 

From XX/XX/XXXX to XX/XX/XXXX, I received six ( 6 ) separate endorsed checks from Fifth Third Bank to me with " return funds to customers '' stamps on them. I deposited these checks at one time towards the end of XXXX and a week later, Fifth Third had all the checks cancelled without any prior notice. I consulted with my attorney first about this issue, then spoke with Fifth Third ( as per my attorney ) and they could not give me a comprehensible explanation as to why the checks were cancelled. I was charged six ( 6 ) return check fees by my banking institutions as a result of Fifth Third 's actions.