davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I am an elderly, XXXX female and I signed up for a COVID19 related program with Bank of America. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (UT)

I had filed a complaint against Equifax on XX/XX/2024 identification number XXXX tEquifax responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent. The relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : " Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. If XXXX XXXX fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that XXXX XXXX may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation. 2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of XXXX XXXX XXXX failure to respond to your dispute in a timely manner. 3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish XXXX XXXX and deter similar conduct in the future. 4. Attorney 's Fees and Costs : If I have to take legal action against XXXX XXXX for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.
Consumer complaint received 2021-04-10
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: DISCOVER BANK (AL)

I am an elderly, XXXX female and I signed up for a COVID19 related program with XXXX XXXX XXXX. I was given the month to start to pay again so when I paid when the lady to me the pay they said my account was pass due bc the total amount was not paid. I explained that it was a misunderstanding and that I have never ever been late & that I pay more than minimum sometimes but it didnt matter. Anyone, can make an error, Im old but am a good customer and should not be punished for a misunderstanding. It was their error and their responsibility to notify me by email when the program was ending an payment would be due. Now that they corrected my account, they will not Correct my credit. My credit history speaks for itself & one misunderstanding shouldnt cause me to have bad credit. We are struggling and I notified them, I didnt just stop paying ... its a PANDEMIC! I would appreciate any assistance that you can give me.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KINGS CREDIT SERVICES (CA)

XXXX received a debt collection from Kings Credit Services from XXXX XXXX XXXX, Account Number XXXX stating that I owe them {$2000.00} dollars to a vehicle that I had taken off my name and no longer owned the vehicle and harassing me every other day that they will put that towards my credit if I do not pay the balanced owed. They threatened me and told me that last 4 digits of my social security numbers and they will go ahead and add it towards collection if I do not show them any proof before the XXXX od XXXX, XXXX that the vehicle is and was no longer under my name since they had picked it up, I went to the DMV today XXXX/XXXX/XXXX and explained them my situation and they gave me this information on who to contact, please help me I do not want my credit ruined or for them to keep harassing me for a vehicle that was no longer in my name.
Consumer complaint received 2021-04-09
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. (CA)

There are 17 accounts on my credit report that do not belong to me now I started my dispute back in XXXX of XXXX when I pulled my report and saw this disaster I got on the phone with the bureaus and they wanted me to send out a written dispute since there was so many accounts. I have received nothing back from the bureaus regarding this matter this is identity theft and I will fight this. 

XXXX XXXX - Acct # XXXX Amt {$680.00} XXXX XXXX  XXXX - Acct # XXXXAmt {$1900.00} XXXX XXXX- Acct # XXXXAmt {$980.00} XXXX XXXX Acct # XXXXAmt {$1500.00} XXXX XXXX CARD SER - Acct # XXXXAmt {$1000.00} XXXX XXXX- Acct # XXXXAmt {$920.00} XXXX XXXX- Acct # XXXXAmt {$24000.00} XXXX XXXX-Acct # XXXXAmt {$0.00} XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$140.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} DEPT OF ED/XXXX- Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$1400.00} XXXX XXXX XXXX Acct # XXXX-XXXXAmt {$690.00} XXXX XXXX XXXX- Acct # XXXX-XXXXAmt {$1000.00} XXXX XXXX XXXX- Acct # XXXXAmt {$990.00} XXXX XXXX XXXX- Acct # XXXXAmt {$1000.00} Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Misleading information with transunion Equifax, XXXX and XXXX XXXX XXXX  credit balance is incorrect utilization rate s incorrect a 5 year medical bill, late payment correction, XXXX XXXX XXXX XXXX payment is adjusted and current
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have been reaching out to the credit bureaus because they have a lot of inaccurate information on my credit report. I wrote my XXXX letter in XXXXXXXX XXXX XXXX They havent sent me any signatures, or gave correct information on any of my account. They are reporting derogatory on accounts I never opened. They also have a lot of incorrect information but wont remove this off of my report. 

I also attached part of my credit report that are inaccurate.
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (IN)

They have literally left messages and texts repeatedly. They called my husband, my daughter who lives in another state, my brother in law 's police department issued cell phone number ( I don't even know this number ). They are randomly calling people with the same last name and leaving messages. I have asked them to cease and desist and they continue.
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: Exeter Finance, LLC. (SC)

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by Exeter Finance LLC. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to Exeter finance when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like Exeter finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX XXXX XXXX VIN : XXXX
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached three accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the accounts with the inaccuracies. I have attached highlighted pictures of the accounts reporting inaccuracies
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 there was fraudulent activity on my debit card which consist of two ATM withdraws one being of XXXX and one being of XXXX, as well as a charge from a restaurant of XXXX. Called within two hours of the charges being done to my account and made a claim with Bank of America claim # XXXX.I later come to find out that they put a charge of {$200.00} for a ATM withdrawal that I did so I called in immediately once I saw that I had explain to them that that XXXX atm withdrawal was done by me and they never made an adjustment and took into consideration that I had done that {$200.00} withdrawal days prior. So they were investing in a {$200.00} withdrawal like if it was fraudulent when it wasnt.Ive made numerous claims but they keep denying me and giving me the only option before putting it into collection is to pay. Company is Bank of America and it is a checking account been with them for roughly 6 years. Thank you
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (FL)

I was shocked when reviewing my credit report and found a late payments reported for XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Consumer complaint received 2017-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MO)

Complaint Description : When I left Virginia I paid off all my bills including paypal, Then Months after I moved I get a bill with late charges that I never made. I called them when I received my bill just saying pay this amount. I told them I have not made any charges since paying it off. They asked me if I denied the charges I said yes I did n't buy anything. They wouldnt even tell me what the charges were, they said they seen that I paid it off and there was charges after that. I told them I did n't make any charges and told them to put it through Fraud. I then received a letter in the mail telling me I 'm responsible for the bill that I did n't make and I appealed the decision, I never heard back anything and then I get another bill with a another late fee or XXXX. I am not paying for charges I did not make and they are not resolving this
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX, Equifax, & XXXX have misused my credit report by violating these codes 15 U.S.C ss 1681b exclusions ( 2 ) exclusions ( A ) subject 1681s-3 of this title 15 U.S.C ss 1681m- in relation of said requirement on users of reports
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The accounts shown above are duplicates collection accounts. Multiple collection accounts for one assumed debt is an illegal reporting practice.

2. The accounts shown above have different balance owed amounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
3. The accounts reported above are not my debit, and I have no knowledge of them. 
4. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under XXXX XXXX Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Consumer complaint received 2021-04-10
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: Self Financial Inc. (CA)

I contacted Self Lender to try to close my account due to identify theft preventing me from accessing my account. I filed a report with the FTC and submitted it to Self Lender. They still continue to report me delinquent harming my credit on a monthly basis
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Purchased mortgage on property XX/XX/2004 Fifth Third Bank dont have any imformation. The title company. Where down payment check. Lot of lost of closing refinanced on XXXX XXXX. They had all imformation. Mortgage account no was changed
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was charged 12 basis points ( {$330.00} ) more in up-front fees for my mortgage loan in the days leading up to my closing on XX/XX/2020. 

In the attached you will see my original rate lock agreement stating I agreed to pay XXXX points to receive the interest rate. In the attached you will also find my draft closing disclosure which I continued to agreed to pay the XXXX points. This rate lock agreement was set to expire on XX/XX/2020. 

My closing date was originally scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, I was notified that the seller would need to delay the closing. Considering my rate lock agreement was set to expire on XX/XX/XXXX, I called my loan officer to inquire about an extension. He said I had the option to get an extension for the 12 basis point fee. I recall him explaining that the fee changes daily so I should consider requesting the extension. However, he led me to believe that the extension could be taken off my file if I did not need it - which is why I agreed to it a week in advance. 

On XX/XX/XXXX, I was notified that the seller could close on XX/XX/XXXX. However, I still had not heard from the bank 's closing team so it was unclear to me if the Bank would be able to close on the XXXX given the CD waiting period ( and, relatedly, whether it would fall to me to require a rate lock extension if it was the Bank 's fault the closing was further delayed ). 

On XX/XX/XXXX, I was notified by the bank 's closer that we were on schedule to close on the XXXX, so I called my loan officer to tell inform him to take the rate lock extension off my file as I no longer needed it. His tone completely changed from our conversation on the XXXX and said the extension could not be undone. 

We further discussed the change and he said that I could take my business elsewhere if I was not happy with the service. Yes, the loan officer told me 48 business hours before my closing that I could take my business elsewhere. I requested to talk to the loan officer 's manager and the manager did not take off the extension. 

The extra {$330.00} fee was charged in the form of points on my CD, even though I never agreed to that charge in subsequent rate lock agreements. You will see in the attached that the loan officer and I signed the most recent rate lock agreement without the fee earlier in the week. However, the final CD still stated the fee and the loan officer said via email on XX/XX/XXXX that it would NOT be credited back. 

Now, this left me with two choices : 1. Pay the extra fee that I never agreed to.

2. Cancel the mortgage and throw away the purchase of my {$360000.00} home after months of time, energy, and money during the due diligence process. 

I chose ( # 1 ) to go through with the mortgage because I couldn't afford not to.
Consumer complaint received 2020-12-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (VA)

I consolidated my student loans many, many years ago. When I consolidated the loans, I made one payment to the servicer, Mohela. I have documentation which shows that when consolidated, there is one loan. Mohela is showing on my credit reports between 9 and 13 delinquent accounts under account number XXXX with the 3 reporting agencies. 
In XX/XX/2017, I filed bankruptcy, as a result of my divorce. I had never been late on my loans when in fact, I was on an income contingent plan and there were no required payments. The balance due is correct in total. 
The portion that is not correct is that I no longer had, at that time, XXXX student loans. I only had one. The loans were all consolidated into one loan. I reviewed the consolidation process with Mohela and the Department of Education, each states that when loans are consolidated there is one loan. The loan statuses should show, paid for all of them with the exception for one loan totaling {$49000.00}, which is currently included in my bankruptcy. 
I have been placed on long holds and transferred from one department to another with no resolution. Finally, I disputed the loan statuses with the credit bureaus but there has been no change. 
I would appreciate any assistance. I do not want to dodge the loans but the information should be reported correctly. The way that this is reported, is as if, I am blatantly disregarding payment of the loans. I want my report to reflect the truth.