davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I disputed a charge and the credit card company ( Bank of America ) issued a credit with a statement on its mobile app stating that if I don't hear back from it in 60 days since the dispute was filed ( XXXX XXXX, 2020 ), the credit issued by it is final. However, after 74 days ( i.e, on XX/XX/2020 ), the bank of america levied a fee ( corresponding to the credit issued, that is ~ {$1600.00} ) on my card saying that they have heard from the merchant and the collection is handled by another team, so they will charge me and not honor any 60 days commitment. The dispute notice on their mobile app to me clearly states that after 60 days ( i.e., after XX/XX/XXXX ) if I have not heard from them, the credit is final. See attached. 

When I reached out to them, the representatives didn't had an answer. Some of the representatives hung on me. After being juggled around from one representative to another ( ~almost 10 representatives in a period of 3 hours on the call ), one of the representatives said that I was wasting time and they can't do anything as another team handles fees and nothing can be done. 

I have since paid the fees, and due to lack of trust on Bank of America due to my experience with it, closed my credit card account. Terrible customer experience. Bank of America lacks customer obsession, and didn't think about long-term value from its customer.
Consumer complaint received 2023-01-19
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. (TN)

I went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-07-06
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: EQUIFAX, INC. (FL)

Hello, I have disputed addresses that my ex boyfriend had used to take out credit cards or loans on my name. I had lived with him for several years his name is XXXX XXXX XXXX he had scammed me a couple of times and I had spoken with several agents regarding this matter. They have successfully helped me out and requested documents to back up my story. 

All done, I even got a dispute result back of the addresses that being removed and my new address now was current. I live with my mom now so he can't find me whatsoever. 

BUT - regardless of my proof of the dispute result that Equifax has generated, the addresses are still on my Equifax Credit Report because they won't update it accordingly as they promised.
Consumer complaint received 2020-07-22
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-05-06
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. (CA)

I have a car loan from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I have a car loan from CHRYSLER CAPITAL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLER CAPITAL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLER CAPITAL with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 days late in XX/XX/2020. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-01-19
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : My only address iXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, ga XXXX remove all other address attached
Consumer complaint received 2017-08-08
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shellpoint Partners, LLC (TN)

PROPERTY ADDRESS : XXXX XXXX XXXX XXXX, XXXX, TN XXXX LOAN INFORMATION : 1. LOAN # : XXXX AMOUNT : {$120000.00} LENDER : XXXX XXXX BANK XXXX. LOAN # : XXXX AMOUNT : {$23000.00} LENDER : XXXX XXXX XXXX XXXX XXXX : Shellpoint Mortgage Serving XXXX Loss Midigation ( Good Luck ) Bought the house in XX/XX/XXXX, made payments until XX/XX/XXXX when the economy crash and I lost my job. I tried to refinance with loan servicer ( XXXX ). After several attempts with XXXX to refinance through different programs and submitting personal information several and several checks of my credit rating,This was over a two year period and each time they check my credit score, due to loss of  paperwork or filing under a different program, it tanked XXXX said that my credit score was  too low to qualify and I needed to find financing somewhere else. Between XX/XX/XXXX and XX/XX/XXXX XXXX called several hundred times to collect, but they would not refinance and they trashed my credit rating. After paying a lawyer {$6000.00} dollars to try to help me out, all he did was take my money and they foreclosed on the property and went to auction XX/XX/XXXX. It sold for {$180000.00}. As advertised it was to settle all liens to XXXX XXXX XXXX. Then I started getting calls from Shellpoint Loan Servicer, that I still owed on loan # 2 {$23000.00}. I contacted XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX XXXX, AK. and said that the sale of the property satisfied the outstanding loans. But, the lean on the second loan was still in place and was showing non-payment on my credit score. Which is preventing me from getting a renovation loan on my property? XXXX XXXX recommended contacting the title company to clear this issue up and the title company said to contact your agency. So here I am. Youre my last door, please help.
Consumer complaint received 2017-08-08
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. (GA)

I contacted Equifax to remove XXXX from my credit report I sent over the letter from XXXX to have account deleted. Equifax never removed the account I request by fax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no results
Consumer complaint received 2017-08-08
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. (MI)

There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, XXXX and XXXX XXXX was pulled fraudulently.
Consumer complaint received 2023-01-19
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. (NV)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California
Consumer complaint received 2021-07-19
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. (PA)

I have sent all three credit bureaus three level of dispute letters and contacted each creditor reporting inaccurate negative items on my credit report. Each time i have either no received a response or it came back verified without explanation on how it was verified and how did they prove it was my account to begin with. Both the creditors and Credit bureaus have been in complete violation of my rights writing in the Fair Credit Reporting Act and causing me to have a tough time obtaining knew credit. Below I will list each of the creditors that i have sent validation letters to and received nothing back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing this due to non-compliance with Equifax, XXXX, XXXXXXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

There is an account on my XXXX  credit report that is fraudulent and is coming up with ARS ACCOUNT RESOLUTION Solutions, this account is inaccurate and it is violating the fair credit reporting act and hipaa laws.
Consumer complaint received 2020-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

They sent me a letter saying that they gave me a loan modification for XX/XX/XXXX which would allow me to skip XX/XX/XXXX payment. Now they are trying to change it to a 90 day forbearance That is not what I agreed to. I want them to honor the initial agreement.
Consumer complaint received 2020-05-17
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX I called XXXX ( XXXX XXXX XXXX XXXX ) to resolve repeated negative reporting on my credit report by offering to pay the debt or settle. The company would not discuss this debt with me and referred me to a collections agency that supposedly owns this debt now at phone number XXXX. On XX/XX/XXXX, I left a message at this collections agency, which I have identified as the XXXX XXXX XXXX XXXX XXXX XXXX  , XXXX. They did not return my call, so I tried calling on XX/XX/XXXX again. I still could not contact a representative. I disputed the fact that on my credit report, the only phone number I am given to resolve the debt and stop negative reporting by XXXX is the number to XXXX, who will not discuss the debt with me or give me a way to resolve. I disputed this issue of incorrect contact information for the owner of the debt through XXXX  on XX/XX/XXXX and through Equifax on XX/XX/XXXX. I am displeased that the credit agencies only verified that the information for the original debt owner if on the report, and did not investigate why XXXX is marking my report as negative, despite the fact that this entity will not discuss the debt with me and I can not get in touch with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve the debt. I also disputed on XX/XX/XXXX with XXXX  that this debt is the result of faulty merchandise. My car caught on fire and the dealer, XXXX XXXX, would not replace any parts without a hefty fee, so I had to voluntarily surrender this vehicle after 29 months of perfect payments. Even with the means to pay off this debt, I have noone who will accept the payment and XXXX continues to place monthly derogatory information on my report. DELINQUENCY DUE TO FAULTY MERCHANDISE AND I HAVE BEEN UNABLE TO GET THE MATTER RESOLVED.
Consumer complaint received 2020-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I AM FURIOUS WITH CHASE BANK. I RECENTLY GOT APPROVED FOR THE SBA EIDL DISASTER LOAN, AND THEY ARE HOLDING MY MONEY  XXXX, THEY FROZE MY ACCOUNT AND ARE NOT RELEASING THE FUNDS WITHOUT AN EIN NUMBER. I EXPLAINED NUMEROUS TIMES THAT I AM A LICENSED ESTHETICIAN AND I AM SXXXX XXXX, I QUALIFIED FOR THIS LOAN AS A XXXX XXXX INDIVIUDAL I DO NOT NEED AN EIN NUMBER TO OPERATE, THEY ARE MANDATING AND MAKING THEIR OWN REQUIREMENTS WHEN THEY ARE NOT THE ONES ISSUEING THE LOAN, ABSOLUTELY RIDICULOUS. I NEEDED THIS LOAN BECAUSE OF THE ECONOMIC DISASTER, AND I LOST SO MUCH BUSINESS BECAUSE I HAD TO CLOSE DOWN AND COULD NOT WORK SINCE I AM CONSIDERED NON ESSENTIAL AND BECAUSE OF THIS I AM PAST DUE ON MY RENTS MY BILLS. THEY ARE SO INCONSIDERATE AND ARE NOT EVEN WILLIGN TO LISTEN, THEY ARE REPEATING THE SAME THING LIKE A ROBOT AND ARE REFUSING TO RELEASE MY FUNDS WITH THEIR OWN REQUIREMENT THAT THEY MADE UP. IF SBA IS NOT REQUIRING IT AND THEY ARE THE ONES WHO DETERMINE ELIGBILITY WHO ON EARTH IS CHASE TO MAKE THEIR OWN REQUIREMENTS AND HOLD  MY MONEY XXXX.
Consumer complaint received 2017-08-08
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: JPMORGAN CHASE & CO. (MI)

There was an unauthorized credit pull from XXXX XXXX that in turn cause me to obtain a hard inquiry on my credit report. This hard inquiry reduced my credit score. I was not aware nor authorized this inquiry on XXXX XXXX, 2017. I will like this to be removed from my credit report because it is fraudulent and I am a victim of identity theft. Along with XXXX XXXX, Chase and XXXX XXXX was pulled fraudulently.
Consumer complaint received 2020-05-06
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. (AZ)

I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately XXXX and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California
Consumer complaint received 2020-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

In early XXXX I received the copy of my yearly escrow account balance with a refund check of approximately {$2700.00} and notice that my monthly payment would decrease by {$350.00}. After review of the document it was clear that they made a mistake by the company saying my property taxes were scheduled to fall from $ XXXX/year to $ XXXX/year. I called the company and spoke with a representative. She indicated she would refer the case back to the escrow account department and thatd I hear back. I never heard back so a month later in early XXXX I called back. I spoke to another representative and she agreed they messed up the calculation. She said she could tell that they used the wrong county to calculate my property tax rate and thats why it was showing a much lower amount. She said they would be updating the new monthly payment amount before my XXXX payment was due. She also advised I should deposit the original check into my checking account and then repay Penny Mac that amount back into the escrow account. By XXXX the monthly payment did not update and I have heard nothing further from the company if they will actually be updating my monthly payment info. In the meantime I am having to withhold an extra $ XXXX/month because I know they are grossly under collecting for my taxes and I do not want to be billed for {$4000.00} next year when they realize they messed up.