davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
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. (FL)

XXXX is listed as a hard inquiry on my Equifax report it was done on XX/XX/XXXX since then I have been working on getting it removed as it was not authorized by me I sent a letter by XXXX dated XX/XX/XXXX and one from XXXX XXXX with my cover letter where we all asked them to remove it as it is a error XXXX and XXXX have removed- but in two phone calls Equifax is refusing to do so even though we have provided in writing the request they ask for. they placed it on there report and now have been giving the info from all parties to remove a error. this is totally unfair to me as I did nothing wrong they should NOT be allowed to report incorrect info period not fair to the consumer which is me I also have a XXXX card one that should be removed on XX/XX/XXXX as the two years is up thanks XXXX XXXX XXXX
Consumer complaint received 2017-11-30
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. (NY)

I am submitting this complaint in regards to an account reporting on my experian and XXXX credit report. I have been disputing this account for months now. XXXX  has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that experian and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
Consumer complaint received 2017-11-30
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 am submitting this complaint in regards to an account reporting on my XXXX and XXXX credit report. I have been disputing this account for months now. Equifax has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

On XX/XX/2021, HARRIS LTD has added a derogatory mark on my credit report ONCE AGAIN. ( XXXX  ) After further investigation and research, the debtor STILL could not provide original contract nor signatures. This account has transferred/sold and I am and have NEVER been responsible for the accounts. Debtor 's creditor did not verify this collection with me! There hasn't been no form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt as anyone can send a bill saying its mines. According to the FCRA, Harris LTD has violated my rights as a consumer ONCE AGAIN and I am requesting legal action to remove this account from ALL THREE CREDIT BUREAUS.
Consumer complaint received 2017-11-30
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I purchased my home in XXXX from an investor who bought it out of a sheriff sale on the courthouse steps in the county I live in XXXX. 
The house was then valued at $ XXXX. Which was also my purchase price. 5 years later, ( XXXX of this year XXXX ) I received a foreclosure notice from Bank of America. ( I have never had a loan with BOA ) I explained to the Bank that I had purchased the home from a licensed Investor in good standing with the state of GA in XXXX and have a Warranty Deed. At the time of purchase, I looked the property up at the Courthouse and found no liens recorded against it. 

Bank of America had already ran a notice in the local paper and were to foreclose on XXXX XXXX. I filed a motion against them at the court and was granted a TRO ( Temporary Restraining Order ) which stopped the foreclosure. Bank of America in turn filed a motion to dismiss my complaint claiming they still had legal title because the original debtor 's Bankruptcy did n't include the second loan. There were a total of 4 loans made to their debtor. They claim the Bankruptcy discharged only the 3rd and 4th. But that The first loan was satisfied. Almost 10 years have passed since the Foreclosure Sale and I have owned the property for the last 4yrs and three months. I have n't been well since this all started back in XXXX of this year. I am a senior citizen with limited resources and can not afford to lose my home which is paid for. Bank of America had every opportunity to settle their issue with their debtor but did not. I am a victim of their negligence and pray for your intervention in this affair.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: M&T BANK CORPORATION (NY)

While checking my credit card balance online, I noticed a {$14000.00} charge that I did not authorize or initiate on Saturday XXXX XXXX, XXXX. The charge was " pending '' and had been initiated on Friday XXXX XXXX, XXXX. Upon my discovery of the charge I immediately contacted the card issuer, M & T bank via e mail and followed up with a phone call. To date have been advised of their " investigation '' and that they are awaiting " release '' of funds. This fraudulent charge as well as a balance transfer fee have remained on the account. In my initial phone conversation with someone at M & T, someone had apparently contacted them ( M & T ) with sufficient personal information for them to do a balance transfer on Friday XXXX XXXX, XXXX. 

M & T 's disclosure states that my liability is limited to {$50.00} if I were to be careless with the disclosure of my account number or card, which I have not been!! 

To date I have not received any relief and have had several e mails stating that they are awaiting release of the funds in order to be credited back to my account. And thanking me for my " continued patience. '' A new card/account number has been issued.
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (FL)

I COMPLAINED TO CFPB THAT I AM HAVING PROBLEMS WITHGETTING M Y $ XXXX BACK REWARD. I RECEIVED A LETTER FROM THE PRESIDENTOF THE COMPANY THAT MY ACCOUNT WOULD BE CREDITED AT THE END OF THE NEXT BILLING CYCLE ( XXXX XXXX. ) ICALLED THE CREDIT CARD COMPAN Y TODA Y AND THE REPRESENTATIVE SAID SHE COULD N'T CONFIRM AND SHE WOULD SWITCHME TO A SUPERVISOR. I WAITED ON HOLD FOR XXXX MINUTES AND THEN HUNGUP. I REQUEST IMMEDIATE PAYMENT OF THE MONEY I HAVE EARNED.
Consumer complaint received 2017-11-30
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. (UT)

On XX/XX/XXXX I sent a letter to TransUnion notifying them of the inaccurate reporting of an item ( XXXX XXXX ). A previous report of mine from XX/XX/XXXX stated that the item would be removed by XX/XX/XXXX. 

My current report shows a new date of when the item would be removed by XX/XX/XXXX instead of the XX/XX/XXXX. My dispute to TransUnion included a print screen copy of my report dated XX/XX/XXXX that showed that the item would be removed by XX/XX/XXXX. I also notified them that they had Re-aged the item and changed the removal date to XX/XX/XXXX and that they were in violation of the FCRA by reaging the item. 

This item should no longer be reporting on my credit file. 

I 'm requesting the support of the Consumer Financial Protection Bureau as my dispute to TransUnion was simply disregarded and they did nothing. It is my understanding that after 7 years this item should no longer report on my credit. 

Attached is the dispute I sent to TransUnion on XX/XX/XXXX with the print-screen of the report showing that the item should be removed by the XX/XX/XXXX date.
Consumer complaint received 2017-11-28
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: Experian Information Solutions Inc. (NC)

I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.
Consumer complaint received 2016-02-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This bill was for a hospital medical emergency service of my child, who has medical insurance.The entity making this claim has failed to properly bill the correct medical insurance with the correct billing information, despite my attempts to ensure proper billing and payment by my insurance. According to my insurance they need to re-bill with the correct information.
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

The associate said that my husbands credit will also be reported if I do n't pay. This is for dental work I had done. My husband was my emergency contact. So I told him this is inaccurate as we both did not have work done and he said that if I do n't pay that they will report my husbands credit.
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2017-11-30
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc. (CA)

When I set up automatic payments for my lease on the XXXX XXXX website, I mistakenly entered XX/XX/XXXX as the end date ( which amounted to 24 months ) rather than XX/XX/XXXX ( which was the correct 36 months ). Then, after 24 months of perfect payments, my  automatic payments stopped, unknowing to me. Yes, my mistake, however, I was never notified that my payment was late until my credit service sent me an email saying something was up with my credit score. Despite receiving several emails per month from XXXX XXXX, including payment confirmations, I never received an email that my payment was late. I only learned this when my near perfect credit score had dropped 110 points. I contacted XXXX XXXX and after two rounds of explaining this situation and stating that it was an obvious mistake and more importantly that I was never notified that my payment was late, they denied my request to fix the credit reporting. 
In an early call with the CSR, the CSR pointed out that this happens all the time. She said that the payment scheduling system was often misunderstood by customers and that payments were often missed due to mistakes. 
In my last call on the phone with XXXX XXXX, the CSR explained to me that XXXX had no obligation to notify me whatsoever and he said that even statements were a courtesy. He said it was solely my responsibility to see if the money had left my account each month. Period. 
Firstly, it seems the entire online payment system at XXXX is set up to make the customer fail. The system is confusing and difficult to understand. Rather than simply providing payment information and having payments automatically paid from my account, it requires that you select the number of payments you wish to make into the future. The CSR already admitted that this trips people up she also said that people quite often make too many payments! 
More importantly, if I am signed up for online automatic payments, doesnt XXXX not have an obligation to send me a late notice if a payment is not received so that I can correct the problem before I learn it from my credit agency? I would think so. It would be unreasonable to expect otherwise. 
These two issues coupled together create a high likelihood of mistakes made by the customer, yet they do not acknowledge this. 
Please assist. The consequences of this on my credit score are far more impacting than deserved. 
Attached is a snapshot of my email inbox showing that XXXX notifies me about plenty of things but never sent me a notice that my payment was due or late.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited two checks into an ATM from my employer today, XX/XX/XXXX. One check was for {$54.00} and the other for XXXX and cents. After the checks were deposited, I received a message from the ATM telling me that my {$2100.00} check was on HOLD. I quickly went into the branch to ask that I get my check returned to me and to question why my check is on HOLD if my account is current and I have been a member for years. I was told that the Branch has " NO '' ACCESS TO THE ATM '' S machines outside of the bank and I would have to call a 1800 #. This is ridiculous. So, I asked that I wanted my checks back and how is it that the branch does NOT have access of the ATM 's sitting outside of the branch clearly labeled " Bank of America '' .. I assume that the correlation has some relation to the Branch that is attached too. I asked to speak with a manger, I did and I was told they couldn't help me. So, here I am, a single mother with a {$2100.00} check, I need gas, groceries, I need to pay my bills and the bank has held my check " hostage '' because the check from my employer was needing to be verified. The verification of the check is NOT a problem, BUT the fact that the branch is not able to return my check is major problem to me. I am a single mom and no way to feed my child or put gas in my car SIMPLY because my BANK OF AMERICA.. ATM machine has kept my check, did not tell me in advance it was going to place it on hold or that the Branch has no correlation with the ATM 's machine 's outside of their XXXX, TX Branch on XXXX XXXX . I work with policies and procedures with Banking, I asked to see the bank 's disclosures and wanted to know where in the disclosures does it make me aware that if I deposit checks into the banks and a hard hold is placed on the account for a certain amount of time, that my check is not able to be returned to me .. so I can make other alternatives to myself. For now, I am held HOSTAGE by Bank of America for food, gas and any living expenses I have until first, the Check can bee seen ( because they can't see the check that was deposited ) and two wait until they can actually help me! This is absolutely ridiculous. I was provided with the XX/XX/XXXX Disclosures for the bank, I was told to read page 30-33 and I said " I must be stupid, because it surely does NOT disclose to me that the branch can not access the ATM, can not see the checks that I deposit, etc. " ..I said, this is exactly why Banks get sued, because we the consumers are NOT told or made aware of XXXX like this. So, for now, I have no money, they can't give me my check and I'm left to figure life on my own for the next two weeks.. until my check clears. Please call me or assist me with this issue, my name is XXXX XXXX and I can be reached at XXXX ; email ; XXXX. 

Thank you. 

XXXX XXXX XXXX.
Consumer complaint received 2015-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CO)

We closed on a refinance with XXXX XXXX Loans in XXXX 2015. ( XXXX XXXX ). Prior to the XXXX payment date XXXX sold our mortgage to LoanCare. My wife and I have been homeowners/mortgage consumers for over XXXX years and have never repeat never been late with mortgage payments. My opinion, following our efforts to have LoanCare properly credit our XXXX and XXXX payments, is that this organization would have to improve dramatically to be deemed incompetent. 
We had not received ANY documentation from LoanCare prior to the first payments due date. XXXX had notified us, in writing, that they had sold the loan but no new loan numbers were provided. My wife made the payment using tne ONLY loan number we had at that time. It was, of course, the XXXX loan number. My wife scheduled the payment that was due XXXX XXXX, 2015 through a " bill pay '' service with our bank that has never failed to work properly in the past. According to bank records, this check was cashed/deposited by LoanCare on XXXX XXXX, 2015. After multiple calls, with many people who have apparently been through no customer service training whatsoever, it was determined that our payment had been credited to an account carrying a LoanCare number that matched our XXXX refi loan number. Correcting this error would seem to be fairly straightforward however this has yet to occur. Both my wife and I, on separate occasions, have been assured that the problem was addressed AND that with new mortgages they will not report late payments for the first XXXX days. Upon returning from a business trip last evening, my mail contained XXXX notifications, both dated XXXX XXXX, that our loan was " in default '' and action needed to be taken. As of this writing, we are XXXX days into trying to receive recognition for PAYMENTS ( XXXX ) that we have made, in good faith, to an organization that seems to be procedurally challenged. My concern is this : once the XXXX day period has passed will LoanCare begin to report my wife and I to Credit reporting companies and damage our FICO scores? The fact that we have dutifully made our scheduled payments and made repeated efforts to work with them to assure these payments are appropriately credited and reflected in their records but have yet to accomplish this, would make errantly reporting negative credit information a serious and unwarranted attack on my wife and I. Should this occur, and my wife 's or my own FICO scores be negatively impacted because of their flawed processes, I believe that it could expose them to serious liability.
Consumer complaint received 2021-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have obtained my consumer credit report and I have noticed that there is bankruptcy reporting. I have disputed with consumer reporting agencies through phone call and through mail. I was instructed that it was furnished through the court and XXXX XXXX. After contacting them both, the court responded on XX/XX/2021 that they dont report to any credit bureau and on XX/XX/2021, XXXX XXXX responded that they have deleted the bankruptcy from my file after my dispute. I have already sent proof to all 3 consumer reporting agencies through certified USPS mail.
Consumer complaint received 2018-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC (OH)

TO WHOM IT MAY CONCERN : I have written to XXXX XXXX, XXXX, and XXXX on several occasions disputing inconsistencies : AMERICAN CREDIT ACCEPTANCE # XXXX, XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit bureaus continue to state that they have verified the debt. However, XXXX, XXXX, and XXXX are not reporting the same account information. Why is all the provided data different on each credit report? Let this be a formal complaint against XXXX, XXXX, and XXXX.