davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
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: Experian Information Solutions Inc. (CO)

XXXX XXXX Experian and XXXX are reporting incorrectly that I am XXXX XXXX XXXX days late on the DEPTEDXXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my XXXX XXXX and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2017-12-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have spent dozens of hours and many months trying to resolve a very simple inaccuracy on my Equifax credit report. Today I got an email saying that my dispute had been resolved. I clicked the link to go to their website, but every time I enter the information to verify my identity, I am told that it does n't match their records. ( I 'm 100 % sure that the information is correct. It 's very basic information, just name, ssn, date of birth, and current address How could that not match their records? ) So, I decided to call them. After remaining on hold for about 10 minutes, my call was disconnected. 

I have been around and around this same process literally dozens of times in the last year. I refuse to sit on the phone yet again, waiting to talk to someone only to have my call disconnected again. 

Consumers like myself are at the complete mercy of big companies like this and their lack of reasonable customer service causes major life-changing upheaval such as not being able to qualify for a mortgage to purchase a home. 

Please help me get this resolved!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than four business days after the day of the receipt. I have ATTACHED to my FTC report to this complaint to prevent further stall tact from equifax
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2021-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

There were four unauthorized transactions made on my checking accout with Bank of America.These four unauthorized transactions were taken by XXXX as a XXXX member fee from XXXX to XXXX. However, I have never applied as a XXXX member for XXXX. I have also never received any email from XXXX notifying me that I was a member, until two months ago when I received an email from XXXX asking me to renew my payment method by paying the membership fee. They took my money from my account without informing me, which is completey fraudulent and unauthorized. 

I have already made a claim to the Bank of America, however, they said that these four unauthorized transactions were over a year old, so they are unable to refund the money to me. This is unacceptable, as these were unauthorized transactions, which I possess the ability to dispute. I did not mean to delay my disputing since I did not know XXXX would take my money from my account without my permission, until I received the email two months ago. Bank of America should protect their customers and help me get my money back after it has been unethically taken away from me.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Collusion in over draft payment By Bank of America and FHA loan case # XXXX, XXXX checking plus violation along with United States Treasury checks or direct account, XXXX XXXX XXXX  credit card manipulation and ach transaction, XXXX XXXX over draft collusion and manipulation, XXXX XXXX XXXX bank failure in Federal Truth In lending disclosure act et. al. and illegal securitization of intellectual property rights and more. Including XXXX XXXX XXXX!
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Seeking to have credit bureaus remove a tax lien filed by the State of Georgia which has been paid and satisfied for more than 4 years. Additionally, the lien was filed in XXXX of XXXX so I believed that the lien would fall off my credit reports after 7 years, being XXXX XXXX. 

Upon contacting XXXX and Experian today XXXX XXXX/XXXX/XXXX XXXX to confirm that this would be removed in XXXX once the 7 year mark had hit from its original filing date, I was informed that legally my tax lien must be reported for 10 years by law with a removal date of XXXX XXXX or to get an order from a judge ordering its removal. However, after viewing the Georgia XXXX it specifically states the following ; " The Department has no control over the length of time that credit bureaus keep public information on a credit bureau report. To update your credit bureau report, you must contact the credit bureaus directly. If the Department recorded a state tax lien against you in error, the Department will amend the lien by stating that it has been officially withdrawn. Please note that the Department can not instruct a credit reporting agency to alter its records regarding this error because the Department does not report the recording of state tax liens to any such agencies. '' So there seems to be no such order of removal process in the state of Georgia or law requiring credit bureaus to report satisfied tax liens for any specific amount of time. It appears Georgia residents have no way to request satisfied tax liens be removed from credit reports. 

I am requesting your organizations assistance in having this lien removed from all credit bureaus in good faith as I paid the tax debt ( {$1500.00} ) once I learned there was a judgment and had been reported as a tax lien more than 3 years ago ( XXXX XXXX XXXX and additionally exercised patience in believing that the public record would be removed after 7 years of its filing date only to learn that the credit bureaus can report a public record for any length of time they choose, in this case 10 years, even though my state agency does not mandate this.
Consumer complaint received 2017-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I have been dealing with Bayview Loan Servicing. Nothing but lies and false information. First I tried to a loan modification. I was turned down for a the modification. So I decided to do a short sale. I was told not enough time. As the paperwork was turned in 63 days a head of the sales date. 

Also a BPO was ordered with the value coming in XXXX higher then any comparable sales in the area. My house is more of a lot value then anything. Bayview refuses to work with me. All I get is lip service. As CA does not have dual tracking.
Consumer complaint received 2017-12-07
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with XXXX. Disputed it and got a response back that I needed to have the company call XXXX and remove it. Called XXXX and XXXX and they still can not find anything to use to show XXXX to remove. I am being told they need proof for XXXX and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XX/XX/XXXX. I started this onXX/XX/XXXX to have it removed today is XX/XX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at XXXX and will be sending my complaint to corporate.
Consumer complaint received 2017-12-07
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: CITIBANK, N.A. (DE)

For the past 8 months since XXXX 2017 I have been writing and sending certified letters to Citi Bank credit card services in regards to an account that they claim to be charged off in the amount $ XXXX.This account in negatively reporting on my credit reports. This is not my account, the debt collector 's has not been able to validate the account. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company. The Citi Bank account in question XXXX, the whole account number is n't reported as well. Thank you
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

I HAVE BEEN PAYING GMAC WHO CHANGED TO OCWEN MORTGAGE. I ORIGINALLY SIGNED UP FOR A XXXX YEAR XXXX MORTGAGE AT XXXX A MONTH AND NOW MY XXXX  YEARS ARE UP. THEY ARE TELLING ME I HAVE TO PAY XXXX BY XXXX XXXX. I HAVE OAID OVER XXXX IN XXXX YEARS AND MY ORIGINAL LOAN AMOUNT WAS AROUND XXXX. I DO BELIEVE I AM A VICTIM OF PREDATORY LENDING AND IN JEOPARDY OF LOOSING MY HOME. PLEASE HELP ME KEEP FROM LOOSING MY HOME AS IT SEEMS I AM ANOTHER VICTIM OF BAD LENDING PRACTICES. PLEASE CALL ME XXXX XXXX XXXX OR CALL MY DAUGHTER XXXX XXXX XXXX.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX  and CAPITAL ONE with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My issue involves the escrow department of the Bank of America. At the end of 2015 a bill was submitted for homeowners insurance that I had " NOT '' purchased. My first clue to this was when I received a cancellation notice from XXXX for non-payment. I felt sure a quick phone call would resolve this, however, the escrow department claimed they had done no wrong, and basically said that there was nothing they could do. This left me in the position of having to pay for XXXX months insurance out of my pocket to prevent the cancellation of a policy that had been in effect for well over 5 years. After several phone calls, the escrow department finally paid nationwide, leaving my escrow account very short because of the double insurance payments. 
Now they write to me saying my escrow is short, and want to increase my house note by {$75.00} a month because they gave my money away. 
I would like to know since when is it that the Bank of America lost control of the money going in and out of the escrow department, and why they refused to even try to help me with this situation. Something is very wrong here, and having my house note go up could very possibly lead to me not being able to pay for my home. Somebody in that escrow Department really dropped the ball on customer service, and the final failure to help me actually came from the department manager.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

Good afternoon, My name is XXXX XXXX and I just read about the suit you filed against Navient Solutions. I am a student loan borrower and owe a considerable amount to Navient. I have had numerous instances where I 've been given questionable advice and encouraged to put my loans in forbearance. 
For about a year, I 've been on an income-based repayment plan. They have withdrawn more than the agreed amount on a few occasions. They returned the money, but only after I had to call them month after month to describe the problem. It would take up to 30 days to see the amount back in my account. 
Their employees are also unprofessional. When I was setting up my income-based payment plan, one of their employees called me from their cell phone and asked for personal information. It sounded like she was going to write this information down on a piece of paper and process the application when she was back in the office. I asked her to call me back when she was at her desk. 
My family and friends who also owe money to Navient could add a plethora of unscrupulous stories to my list. I would like to help you out in any way that I can. 
Please feel free to reach out at any time. 
Thanks, XXXX XXXX
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

XXXX XXXX 2013 ( 3 yrs, 11 mos ) Original Creditor Name : XXXX I called ENHANCED RECOVERY COMPAN to remove that false report on my account. I have been now with XXXX for 4 years, and never owe them a penny. And Enhanced Recovery never got back to me. I sent them letter ... They never got back to me ...
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Since XXXX, I have been disputing adverse information due to XXXX XXXX 

It has been nearly impossible to get accurate or information as Equifax does not have a direct phone number or email or a specific case manager or special handling for this. I have to continuously call and have my information " passed " to the correct department, as consumers can not directly speak to anyone on the review or investigation team. XXXX AND XXXX HAVE A DEDICATED TEAM THAT YOU CAN COMMUNICATE WITH AS NEEDED DURING THIS SAD AND DIFFICULT PROCESS. EQUIFAX DOES NOT. 

The emails I received most recently stated I needed more information, which I did not, as I have continuously provided the correct information SINCE XX/XX/2023. 

However, upon checking my credit report, the information was finally removed in XXXX, even though I did not get an update on this. NO one contacted me even though I called weekly to check the status ; no one could provide a status other than it was still under review which was FALSE. 

I had to submit a final correction or removal request for the last two items that should have been included in the first request. I have already been approved. My information has been reviewed since XXXX, and I have shown that I have the correct information for the removal, as the last adverse information was successfully removed. 

Now I am submitting a second dispute to get the last two remaining Items removed. I called and submitted, and they are saying the. SAME THING AS BEFORE... .THAT THEY ARE MISSING A VICTIM DETERMINATION STATEMENT DOCUMENTATION WHEN THEY ARE NOT. THEY HAVE IT. Multiple. TIMES These last two items must be removed as I have already provided the correct approved documentation, shown by the XXXX removal. 

They are seemingly making redo this entire process giving me the run around again when they have all the correct information already to remove as they did in XXXX.
Consumer complaint received 2023-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc (NC)

The date of service was XX/XX/XXXX with XXXX XXXX XXXX, XXXX, of XXXX XXXX XXXX XXXX a branch of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I received a collections letter from Bull City Financial in early XXXX of XXXX for the amount of {$120.00}. I paid the full balance on XX/XX/XXXX directly to the provider. I received a receipt from the provider and a receipt mailed from Bull City Financial. I have disputed this item multiple times with XXXX and Bull City continues to furnish incorrect information making it appear as if this item remains unpaid. The item has been deleted from XXXX, and XXXX, however XXXX continues to report this debt.
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

I just wont to fallow up on my complaint 's I no that it wont go any where we just do n't have any Justus for the people in the USA it is funny I worked since I was XXXX and I do main work and when I was ask to serve my country I went I did not burn my card I did not run to XXXX and after it was all over com back and be treated like a hero you tell me way do n't or country help when we need it I do n't care what chase sais the lied when they said no one would tell some one to stop paying them well I got news for them they did the women that I talked with did and it was recorded all they have to do is get the tape I no that they do n't destroy them unless the do n't wont to get cot with it but it was recorded for training purposes when we ask for a mod that is when chase would not work with us after that they sold us to XXXX XXXX XXXX bank but that was after they cheated us and a hol lot moor the same way XXXX XXXX
Consumer complaint received 2022-04-01
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: EQUIFAX, INC. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2017-12-07
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. (TX)

I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer
Consumer complaint received 2017-12-07
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. (TX)

I log into my credit reports to dispute incorrect information and site told me to call company. 
when I call in to company to correct with live agent I was transferred numerous times or told me to call another number different from the one on their web site.

go on till lose connection playing a stupid game on consumer