davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
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: National Credit Adjusters, LLC (UT)

3 Months Ago in XX/XX/XXXX I discovered Items on my credit report that I did not recognize the Creditors, Amounts, or Dates. 
The Items are : National Credit Adjusters Acct # XXXX* {$1600.00} & XXXX Acct # XXXX {$2200.00} Both Items are the same account with the same account number reporting twice. However, with different amounts and dates. 

XX/XX/XXXX I sent a certified letter to each Credit Bureau requesting validation.XX/XX/XXXXThey responded and said they had validated the information, but provided me no other information or supporting documentation or evidence XX/XX/XXXX I sent a second certified letter and directly disputed with the Furnisher of the information ( National Credit Adjusters ) To date ( XX/XX/XXXX ) The Furnisher has not complied with the FCRA. They have refused to respond to my request for  information including, ownership, credit agreement, terms or who opened the account. 
The Furnisher placed the information on my credit report without ever notifying me of its existence. 
XX/XX/XXXX I filed an identity theft report XX/XX/XXXX I called XXXX  to resolve and was told there is no way to fax documents. I was told to use their upload site.

XX/XX/XXXX Attempted upload via XXXX each attempt even for a single page resulted in an error instructing me to mail documents XX/XX/XXXX I attempted to submit the dispute online at eXXXX the site instructed me that the dispute had been resolved the info was validated and I could not continue to dispute.

XX/XX/XXXXI sent a third certified letter to XXXX requesting the information be deleted. and including the identity theft report. 
Both XXXX and the Furnisher are complicit and continue to report Invalidated, Unverifiable and Incomplete information on my credit report. This derogatory information is causing me financial harm and is going to cause me to breach a financial contract both XXXX and the furnisher are in violation of the FCRA.
Consumer complaint received 2021-12-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

HI Kohls/Capital ONE ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XXXX 2021 for 30 days late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I received a letter from XXXX XXXX XXXX, a debt collection law firm in XXXX, Virginia. They claim I still owe BANK OF AMERICA {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XXXX. I am sure this is probably a scam being perpetrated by either Bank of America or XXXX XXXX XXXX. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday
Consumer complaint received 2021-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (RI)

Hello, I refinance with XXXX XXXX XX/XX/XXXX and at that time they put XX/XX/XXXX tax payment into escrow. I just refinanced again with same company XX/XX/XXXX and my attorney found that the taxes are deliquent because the City of XXXX did not receive the XX/XX/XXXX tax payment. I have phoned into Amerisave and servicer ( Dovenmuehle in Illinois ) 10+ times over the last 2 months trying to get this resolved and as of today the City still does not have the tax payment nor the interest payment. According to " XXXX '' at Dovenmuehle on XX/XX/XXXX at XXXX  she stated that they sent 2 checks to City ... .check # XXXX in the amount of {$1200.00} which was deducted from my escrow to pay the taxes and check # XXXX in the amount of {$290.00} was paid by them ( Dovenmuehle ) because it was there mistake ... this was for the interest charge. I physically went to the city tax office this past friday and they never received the checks. I phoned back into Dovenmuehle today and spoke with " XXXX XXXX '' and she opened a work ticket and said it would take another 3-5 days to research. I asked to speak with her supervisor whose name is " XXXX XXXX '' and she said he would call me back. Dovenmuehle phone # is XXXX. Loan # is XXXX I received a payment notification from servicer stating that my taxes in the amount of {$1200.00} were paid on XX/XX/XXXX however the city never received the money nor did they get the interest fee.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (MD)

This is another complaint to your bureau. 
I submitted many documents to BBT, and various departments in BBT, your agency, and the XXXX  about a BBT bank transaction in the Summer of XXXX. 
I once again on XX/XX/XXXX, faxed a copy of the said credit card bill and the transaction receipt for payment of the charge of {$210.00} that I made XX/XX/XXXX on-time at the BBT teller window. These two items were faxed to the BBT Dispute Center at XXXX XXXXXXXX to the attention of their Administrator. The center phone # is XXXX. I received a confirmation that the fax was received at the center. I have not heard back from any BBT representative in regard to this. 

I would like all the interest charges, late fees, etc. reversed, as well as rescinding of the negative reports to various credit agencies on the part of BBT. I am tired of receiving collection calls on a bill I paid and paid promptly. 
I had originally reported the problem to the BBT CEO 's office in XX/XX/XXXX, and throughout BBT, but the situation remains unresolved. Please help me put an end to this, it is affecting my health.
Consumer complaint received 2019-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MD)

I received the alert below in regards to an account i have not opened. Because I did not open the account I am not responsible. This credit blemish affects my employment which require Top Secret clearance which I have had for over 15 years. 

Source EXPERIAN Alert Date XX/XX/2019 Balance Amount {$790.00} Is Collection YES Open Date XX/XX/2019 Payment Status XXXX XXXX XXXX ( COLLECTIONS ) Status Date XX/XX/2019 Name XXXX XXXX XXXX/ Phone ( XXXX ) XXXX Business Type YC Street Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

IN XX/XX/XXXX, I CONTACTED NELNET TO INQUIRE ABOUT ACCRUED INTEREST ON MY LOANS BETWEEN XX/XX/XXXX-XX/XX/XXXX. OVER {$7000.00} IN INTEREST HAD ACCRUED DURING THIS 3 MONTH TIME-SPAN, ALTHOUGH ALL OF MY LOANS SHOULD BE IN A GRACE PERIOD. I GRADUATED FROM XXXX ON XX/XX/XXXX ... MY REPAYMENT SHOULD NOT START UNTIL XX/XX/XXXX. I HAVE MADE 3 FORMAL COMPLAINTS ABOUT THIS.
Consumer complaint received 2021-12-02
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$7100.00} XXXX {$780.00}
Consumer complaint received 2020-07-13
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. (MI)

I had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.
Consumer complaint received 2020-07-13
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: EQUIFAX, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my repo
Consumer complaint received 2022-05-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I was notified yesterday that all 10 of my Synchrony Bank credit cards, both store cards and mastercards, were closed on XX/XX/2021. The agent said it had nothing to do with my pay history. I am a long-time ( decades ) customer of the bank. They indicated that they closed all of my accounts because I had too many account open with them. I had 10. I had just applied for a XXXX Visa card last week with them. They approved the account with a {$4000.00} credit limit. I have not even received the card in the mail yet and they already closed that card along with the other 9. Why wouldnt they just not approve my application if they know internally that when a customer hits a certain number of cards that it triggers the closure of all accounts. I have a perfect pay history with this bank. No warnings were given at all. This is very bad business. How can they extend credit and then rescind it before the card ever arrives? Does this mean I can never have another card through Synchrony Bank? Am I banned from applying for another card? I attempted to apply for one that was closed but it would not let me because it still recognizes that I have an account with a balance on it even though the account is fully closed. I intend to pay all of them off. Some of them had no balance on them. Ive never heard of this happening. Can they do this me when there is no negative history on these cards? If this is how they operate I would like to warn other consumers that they need to be very careful if they have a bunch of cards backed by this bank. They could shut them off at any time with no warning at all. You will still have to pay off all of your balances. But the law should not allow this to happen. It seems like a breach of contract somehow.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

Several years ago XXXX XXXX XXXX installed two new internet accounts at a service location for me. They sent a third installer through some scheduling error. The third installer was sent away never having installed anything. The two accounts opened were always paid as agreed and eventually closed. XXXX XXXX XXXX never activated the third account but would not close the account because " without activation it did not exist. '' They put the installation fee of {$100.00} on the account balance. I could not " close '' an account i did not have open and they would not remove the balance without " closing '' the account. Eventually they sent the account to a collection company who inflated the amount and tried to collect. All of this information was given to the credit reporting agencies who removed the negative collection account from the record. The collection company then sold the account to ERC collection company. Who put it back on record with the reporting agencies. I repeated the dispute through the reporting agencies who removed it yet again. We are now locked in a cycle where ERC reports it and i dispute it successfully about twice a year. However this constant replacing of the negative collections is now the only negative thing on my report and is affecting my apparent creditworthiness, costing me much money and frustration all over an account that NEVER existed.
Consumer complaint received 2020-01-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I requested a copy of my credit report and found a collection account for {$100.00} for XXXX when I called the company they have no one listed with my social security number having a bill. I requested for Transunion to remove this collection account from my report since I had no knowledge of it and XXXX could not produce anything in my name or social. I disputed this item with Transunion Theough XXXX XXXX and received a generic email stating i change was made to my report because the account was reporting accurately. Transunion has failed to provide any proof this collections account belongs to me and to bear proof of my written signature showing proof of an account or service. I am requesting the collection account be removed from my report if they can not provide such proof.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMPQUA HOLDINGS CORPORATION (WA)

XX/XX/18 amount of {$41.00} and same day same merchant, charged again for {$240.00}. 

I traveled to XXXX. 
XXXX, to be exact. 

I was on my way home and decided to check my bank account, i had two charges, that i could not account for and did not make sense. 
One was for {$41.00}. The other was for {$240.00}. 
Both came from the same merchant, that was also described as transport, our family rented a car so i know didnt pay ANY transport fees. My partner dropped me off at the airport! 
On top of this when i called in they said this transactions were for a merchant.. they asked if i bought goods?!? I was traveling that day! Also, how is a merchant labeled transport AND charged in XXXX XXXX when i in fact was in XXXX at the airport. I have a baggage fee posted on my acct to confirm i was indeed in XXXX and traveling that day!
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WESTERN UNION COMPANY, THE (IL)

In XX/XX/XXXX my mortgage company XXXX XXXX and XXXX was sold to XXXX XXXX XXXX. My mortgage payments are made thru a program called XXXX XXXX  thru XXXX XXXX PO Box XXXX, XXXX XXXX, FL XXXX. 

While I never received a notice from XXXX XXXX  as to the correct address to send payments I did get a late notice on XX/XX/XXXX stating they have not received the XXXX payment. I called XXXX XXXX and we did a conference call with XXXX to get all of the correct information into the XXXX XXXX computers. The new mailing address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX At that time I asked if the payment could be made via an ACH and Equity Accelerator indicated that indeed there was a XXXX Bank XXXX XXXX at an XXXX  XXXX address that accepted ACH payments. The representative from XXXX stated that was not XXXX XXXX XXXX and to use the address she gave them. 
XXXX XXXX required that we send them a mortgage statement with the correct mailing address for payments which XXXX sent me and I immediately forwarded to them via Email to XXXX. XXXX also waived the late fee at that time. as they had received the payment. XXXX XXXX decided that my withdrawl date should be move up a couple days just to make certain that future payments arrived on time and I agreed. 

On XX/XX/XXXX I received a letter from XXXX Bank stating my mortgage was past due and demanding immediate payment as they had not received the XXXX payment. I called Equity Accelerator and was told the payment was sent to XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX, OK XXXX via an ACH transfer. We again did a conference call with XXXX and XXXX XXXX again took the correct mailing address and indicated that a case would be open and an investigation started to retrieve the payment from XXXX Mortgage but that would take XXXX to 10 days or possibly longer. In the meantime I would again need to send them a current mortgage statement with the correct mailing address. Both myself and XXXX pointed out that they already had that information but they insisted that it needed to be current or the change of address could not be made. XXXX was kind enough to secure email it over to me and I immediately emailed it to XXXX XXXX and we both confirmed with them that they had it. 
In consideration of XXXX again waiving the late fee i greed to make an electronic payment via the XXXX website that day. Which I did. 

On Monday XX/XX/XXXX I called XXXX XXXX and asked why I had not received my XXXX payment back. The response was that they had not heard back from XXXX XXXX   and that they could open another case if I wanted. I asked to speak with a supervisor and after several heated words the supervisor agreed to contact corporate but could not tell me when i would get my money back. 
XXXX XXXX  thru their own incompetencies and errors have caused me to be out {$840.00} and they seem to not care if the problem is ever resolved. I asking your organization to force them to reimburse to me immediately the {$840.00}
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (MN)

I bought a home in XX/XX/2020 and the loan was originally through XXXXXXXX XXXX XXXX. They sold it to planet home lending and planet home lending never sent us a notice of how to handle our mortgage payments ongoing forward or how to set up our account. 

XXXX sent us a letter to our home via the postal service however we never received any other mail or letter to inform us of this happening from the other company or XXXX. We were on vacation so we didnt even get the letter until the day of the transfer of the service. 

This is completely unacceptable, we should be given notice in a variety of forms of communication before our loan is sold to another company. The new lender should give us notice of how to set uo our new mortgage account WELL IN ADVANCE OF THE TRANSFER DATE.