davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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. (AZ)

The class action multi state settlement includes my loan repossession I have called Santander consumer attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. You try to clean up your credit for going on 3 years now but they dont want you to win you will be charged less money if you get back to where you once was.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My complaint is against Bank of America, Account # XXXX, open XX/XX/XXXX, status paid and closed, {$0.00} balance, credit limit {$3000.00}, date closed XX/XX/XXXX. I have been a loyal costumer to the mentioned company from years back. Around 2 weeks ago when Im trying to apply to my mortgage loan they are telling me that I have 2 delinquencies with BOA. First 30 days late was on XX/XX/XXXX and 2nd late for 60 days was on XX/XX/XXXX. I have never been late with BOA in the multiple accounts that I currently have with them and suddenly I found out that they have me with delinquents for of {$8.00}? Which I didnt even know they existed. Do BOA really thinks that if I knew that I owed {$8.00} I wouldnt have paid them that amount? I never received a late payment insertion as required by the FCRA. This unfair business, negligence and unreasonable. I respectfully request a deletion letter from BOA through CFPB portal. I have a  {$400000.00} mortgage loan pending because of this negligence from BOA. I already gave {$15000.00} deposit for the property, if I dont have a deletion letter from the mentioned company as soon as possible I might lose the deposit. In the event that this happens I will take this case to court and recover every penny that I have lost because of this error and also including legal advices and the cost of not borrowing funds at affordable rates to obtain loan. I have no other issues against BOA and would like to continue doing business with the company. Thank you!
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Applied Data Finance, LLC (TX)

I have received from XXXX someone apply for a personal loan with my information and I havent done that in the last 6 moths so this company name PERSONIFY show as my recent hard inquiry on my report some stole my information and apply to this company
Consumer complaint received 2021-07-13
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: AmeriCollect (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2024-08-02
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. (IL)

I am a victim of XXXX XXXX  of Debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED!!!! I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CREDIT REPORTING ACT. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-15
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, US DEPT OF EDUCATION, XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (SC)

I sent dispute letters reporting inaccuracy for accounts that still remain in bad standing that are affecting my credit. I have sent request using Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I have not received any physical proof nor are the items removed. Below are the dates I submitted my request of inaccuracy. I also requested for inquiries that I did not authorized to be removed. 

XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX
Consumer complaint received 2019-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NJ)

{$610.00} is the amount showed owed on my credit report as I am trying to repair my credit. I'm not aware of this debt and would like to receive a copy of original contract, signatures and bill with breakdowns of charges.
Consumer complaint received 2020-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously disputed items that do not belong to me. I submitted a police report and FTC report. These accounts have not been verified as belonging to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2019, I reached out to American Express for a second time do to payment issues and was forced a second time to call my bank on three-way with them. The representative from American Express placed me on hold to call my bank, and then proceeded to use my social security number and other personal identification to log in to my bank account through my banks automated system without my permission. The representative should not have used my information to access my account without my permission, instead they should of three-wayed me in to allow me to enter that information. I am frustrated and concerned because I have to go through this process every single time I make a payment indefinitely and I am concerned that American Express employees are going to continue to access my banking information with my personal information without my permission. I asked to speak to the manager, who said she agreed with my concern then proceeded to brush me off. I would like to know what American Express is going to do to protect my identifying information going forward, since they insist I call every time I make a payment.
Consumer complaint received 2019-08-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MO)

I have a student loan with FedLoan Servicing. I am a part of their PSLF program and their income-based repayment plan. Every year they ask me to submit my income and expenses, so they can re-calculate my monthly payment amount. A few months ago, they informed me that my payment would once again double ( from {$90.00} to {$180.00} a month ). I inquired how this came to be and was told by one of their customer service agents that I should switch my income-based repayment plan. They proceeded to ask me personal financial questions and said my payment would be reduced to $ XXXX {$130.00} per month if I took their advice. I did so and just received an email stating that my new payment would be {$500.00} a month. I am beside myself. I feel misled. I choose to put my loans into forbearance while they calculated this and now I don't know what to do. I don't trust FedLoan not to screw this up even worse. Meanwhile, my interest on the loan keeps accruing which means my balance continues to rise ( which I am confident will raise  my monthly payment ) because of their incompetence/predatory lending practices. After reading some of the XXXX  complaints that sound like my situation, I wouldn't be surprised if this balloons into a class action suit one day.
Consumer complaint received 2017-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (IN)

In 2011, we lost our home in XXXX XXXX, Indiana, in a short sale. Our mortgages were being held by XXXX XXXX and XXXX XXXX. Neither of these companies still exist ( or so we have been told ).  We lived in Illinoos at that time and recently received a letter from the Treasurer of Illinois that they are holding funds as unclaimed property due to an Insurance claim that was submitted on our behalf as a result of the final inspection of the property ( something apparently to do with hail damage to the roof ). 

Since the funds are assigned to both mortgage companies listed above as well as ourselves, how is it possible to receive these funds? 

Is there anything at all that can be done?
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Iamwrittingthisduetonon-compliancewiththe(XXXX,XXXX,TransUnion).theyhavefailedtoremoveinformationthatwasaffiliatedwithpersonaldetailsthatwerechallengedinthepast.IstronglybelievethattheyareinviolationoftheFCRAandareoutrightrefusingtoupholdthelaw.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I received a physical denial letter for a business revolving line of credit, application number XXXX. Reason for Denial : ( 1 ) Insufficient information on your Business Report ( My Business relationship started with BofA over two years ago, you can not open ANY business accounts without all details of your business & personal info verified ) ( 2 ) Your credit report indicates that not enough time has elapsed since you opened your most recent credit account. ( I opened a Business auto loan w/ BofA at the end of XX/XX/XXXX, Business CC 2/ BofA XX/XX/XXXX with {$0.00} balance to date. The business bankers ( spoke with 3 of them ) confirmed each product is different and does not weigh against each other - underwriting stated the opposite. The Red Flag is " Insufficient information on your Business Report '' I had to call and ask the following questions I. What business reports are used ( I had not received any letter or phone calls ) II. How can the information be insufficient when I am currently a business customer with active business & personal information/accounts. I opened a case with XXXX - Case Number XXXX - As soon as I uttered the words Bank of America this statement was stated to me " XXXX can not be used in whole or in part as a factor in determining eligibility for credit ''. The individual in underwriting claimed they could not validate my business information hence the " insufficient information '' remark. When opening this case I asked XXXX to mail me a list of vendors that report to them ( can not provide ) and who they receive their information from. I was informed they receive their information from " multiple '' data sources. My data is accurate with XXXX, XXXX XXXX XXXX XXXX XXXX, where else could this information come from? XXXX XXXX is used to compile a businesses credit score for XXXX XXXX. None of my business information or risk indicators are correct on the report I received from XXXX XXXX ; we went through every incorrect error including the date my business was established which is WILD! This information should NOT be in use at ALL, I know I am not the only business owner with this experience. This is the longest complaint I have provided, but a resolution for everyone needs to happen with XXXX and XXXX
Consumer complaint received 2020-09-06
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: Experian Information Solutions Inc. (NY)

I sent full documentation to Experian because i am a victim of identity theft. there response is to send to them the same exact items that i have already sent them, so please see again my FTC REPORT and ss and ID
Consumer complaint received 2021-02-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I called to close my account because I was not happy with Citi 's archaic online services. I discovered, via the post office, that Citi sent tax documents to an old address on my account that I closed, which made me furious as I had my updated address in that account for months. Now that my account is closed, it appears that Citi may have sent a check with the balance to the old address, not the current address on the account when I closed it. 

Since my online access has been canceled once I cancelled my account, I can't go online to retrieve my tax documents.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I contacted XXXX  with documentation stating I didn't have any knowledge of a debt owed and I provided supporting documentation regarding these collection. The other bureau 's removed the incorrect information, but XXXX  refused to have this collection removed. I believe they are discriminating, I constantly monitor my credit and know what is happening all the time.
Consumer complaint received 2023-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

My credit went from a XXXX to absolutely no credit for no reason in XXXX and XXXX And really screwed thing up for me getting any type of financial help. I have since git it back up to a XXXX but I want to know why all of a sudden my whole credit score was erased
Consumer complaint received 2021-07-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (TX)

We started the refinance loan process with XXXX Mortgage around XX/XX/2021 and is still ongoing it is now XXXX XXXX Me and my spouse have questions and have sent several emails with questions about this refinance. 
We constantly receive emails to sign documents that have closing dates and rate locked dates that change which we do sign. 
So this is my complaint I have reached out to the Customer Care Support, Loan Officer and Mortgage Consultant for 2 months now.

I have sent these people emails and left phone messages along with my phone numbers where I can be reached I continue to get Closing Disclosures to sign but not one reply to my emails or phone messages. 
I also want to know if XXXX Mortgage is allowed to keep changing the Closing date and Rate locked in date as they please. 
I would like to include all the different amount and fees that continue to increase in these Closing Disclosure Documents but at this point I have so many me and my spouse have signed that both of us are extremely confused.
Consumer complaint received 2019-08-15
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: JPMORGAN CHASE & CO. (DC)

see attached for full complaint. bank card not received by me nor activated for use. Amazon congratulated me on a card that I do not have while waiting for Chase Bank to deliver me a new card. Fraudulent purchases made on the said card and Chase Bank requires me to pay the card
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I received a {$19.00} charge from TU*TransUnion on my XXXX   XXXX account on XX/XX/2019. I haven't signed up for anything from TransUnion. The only thing I've done recently related to credit was when XXXX XXXX  ( which my XXXX  XXXX creditcard is through ) offered to check my credit score on XX/XX/2019. It did not tell me anything about charging my account and it only took a few clicks to receive this credit score. I'm not 100 % sure where this charge is from nor why this charge exists. I'm not sure where to go to dispute this charge, or whether or not my credit or bank information has been compromised.