davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (ID)

In XX/XX/XXXX, I sold my home that had a XXXX  alarm system. Due to illegal practices of alarm company, I quit paying the monthly amount several Months before home sold. XXXX has been removed off my collections account once due to them charging me for A system I did not have access to. InXX/XX/XXXX, a company sold the debt to Mountain Run Solutions saying I went delinquent inXX/XX/XXXX. Thats impossible because I hadnt paid them since XXXX. I can not get anyone to give me an original date of delinquency nor are they reporting the original date of delinquency on any of my credit reports. I believe they are illegally re-aging my account.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

The State Employees Credit Union, this is reporting the wrong information that is inaccurate. This is an inquiry that I did not consent to and its reporting on my credit report where its stopping me for obtaining credit at different places, I would like ; this to be removed from all 3 credit bureaus.
Consumer complaint received 2021-05-26
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. (FL)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written permission of the consumer to whom it relates. 

On XX/XX/2020, I sent a letter to Experian explaining that I never gave them written consent to report anything on my consumer report which I never have nor can they provide any record of me doing so nor have they responded, therefore under 15 U.S. Code 1681b, this is deemed as identity fraud considering I've never given them any written consent to report anything on my consumer report. They are also reporting false and misleading information which is harming me and my reputation as a consumer. Not only are they reporting false information, but they also have social security numbers associated with my consumer report that don't belong to me.
Consumer complaint received 2022-04-07
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP (UT)

I had a checking account with key bank, there was some fraudulent charges from XXXX XXXX XXXX I reported this a d disputed it. These charges were well over XXXX  $ and it put my account negative. After 3 months and both companies agreed that the charge is both incorrect and fraudulent/mistake yet no body has refunded my money I am out over {$4000.00} and my credit score got several charge offs. Neither company wants to refund me and I keep getting passed off to the other. I have lost my job and because I couldnt afford my medication I suffered some life threatening medical conditions. I missed over a month of XXXX and racked up a {$30000.00} hospital bill. I need help getting my money back and getting the charge off off my credit report. They admit it was wrong but no body will help me. They hang up on me or never call me back and at this point I am going to get an attorney. This is my last attempt at trying to solve it without an attorney.
Consumer complaint received 2022-04-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was enrolled in Electronic Statements for my XXXX XXXX through Bank of America. I use this card very infrequently. I had forgotten I used the card in XXXX. I did not receive any electronic statements in XXXX or XXXX of XXXX. In XX/XX/XXXX my account was flagged by XXXX as having potentially negative information which was emailed to me. Upon my checking, BofA had listed my account as 30 days late. I called BofA and spoke to a Customer Service Rep and explained that I was enrolled in Electronic statements since the opening of the account and never received any electronic statements. She said she would " start '' a dispute, but nothing has changed on my credit report, which due to this one " late payment '' is now XXXX points lower. I then wrote to BofA by USPS to again request the 30 day late reporting be removed as it was a result of their failed system and not due to any wrongdoing on my part. I paid the balance immediately once I knew there was an issue by XXXX. I have disputed the 30 day late reporting with XXXX twice with no avail. My credit rating prior to this incident is outstanding. I have worked hard for my credit score and one late payment has plummeted my score to have to start all over again. I should not be penalized for the failures of BofA to keep their customer 's informed as required by law. It was a direct failure of their system that has caused severe damage to my exemplary credit standing. The first statement I received electronically was in XX/XX/XXXX after I called to complain I had never received any statements prior. I have asked that as a sound, well paying customer even as a courtesy the 30 day late be deleted with no response from the company. BofA has a fudicary duty to its customer 's and I am protected by Consumer Laws to be notified of charges, which they failed to do. Their system failed and has caused extreme damage to my credit score, reducing my credit worthiness and my ability to fund my businesses. I have attached the two payments that were made. The first was on XX/XX/XXXX after XXXX notified me of potentially negative info on my credit report. The second was on XX/XX/XXXX after I received the first statement in a year.
Consumer complaint received 2021-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (WI)

I have previously received an attempted debt collection from the company Sequium Asset Solutions LLC in regards to our equipment that was provided for XXXX XXXX. We cancelled our service for XXXX XXXX, paid a cancellation fee and returned all the equipment. This was over a year ago and now I am receiving additional letters from this company trying to collect this debt saying that the equipment ( tv boxes ) for XXXX XXXX were not returned and this is a fee for the collection of the equipment. We already submitted the receipt from XXXX XXXX or XXXX ( forgot which one ) of the shipping label that confirms the equipment was returned because the lady at the shipping store advised we keep the receipt as this kind of tactic is used often. I'm sick of being harassed by this company for money that is not owed. Please put an end to this as now I have a debt that's affecting my credit score for no reason.
Consumer complaint received 2020-08-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (CA)

Hello we applied for a new loan to refinance our existing mortgage and take advantage of interest rates. At first there was great communication. As soon as I handed over my info and paid for the appraisal I could not get q reaponse to an email or phone call to save my life. Im currently entering the 4th month since initial agreement to refinance, my rate lock has expired and I have contacted supervisors and managers with no return phone calls or emails. Every so often I've receives an email about new conditions underwriting is asking me to clear or provide documentation for and follow up agyer submitting documents.
Consumer complaint received 2022-04-07
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: CREDIT ACCEPTANCE CORPORATION (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. It has been stated that the account was properly investigated but how is that so if the payment statuses are completely different on XXXX  and XXXX, the date for last reported are different on XXXX  and XXXX and also date of last payment and reporting on XXXX  and XXXX are different. Nevermind that fact that address linked to this account was not one of my own. This is grounds for removal.
Consumer complaint received 2023-03-02
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit ate for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
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. (FL)

XXXX XXXX XXXX financed through XXXX sold and no longer ours as of XXXX XXXX. Payoff via XXXX to XXXX! Let us all see how long it takes to go onto my and my daughter 's credit to improve our score and debt to income for all of us????
Consumer complaint received 2021-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

After receiving a monthly statement in XX/XX/2021 with charges I did not make, and could not find my credit card, I immediately notified creditor. The card was canceled and I was sent a new card. I went over all charges with creditor and all charges were removed. I then returned the 3 items I did purchase, leaving a credit balance. When I received my next statement, all of the unauthorized charges were back on my statement. I called several times to dispute the charges and request the amount they now owed me. Not only are they refusing to correct my account, they have reported me 30 and 60 days late. My credit score has dropped over 100 points. I disputed with XXXX  3 times only to be told that the creditor states their information is correct. So no change to the credit report. On XX/XX/XXXX I will be reported 90 days late when they owe me over {$500.00}. I am a XXXX year old XXXX veteran and always pay my bills on time. I hope you can help me. Thank you.
Consumer complaint received 2021-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Marlette Funding, LLC (NY)

I have XXXX XXXX. I use their profile to monitor my scores etc. I tried to cancel a loan offer from their website & was told I could not. I was told I had to wait until the proceeds were deposited. I explained I wanted to cancel the loan. I wanted to close my checking account but my bank said not to. XXXX XXXX offers the worst predatory loans.
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

An account was opened with XXXX my social security number but under a different name and address ; I did not open this account, my information was stolen. I have attempted to dispute the debt with XXXX however XXXX has been sold another company so I have been unsuccessful at disputing with the company. The debt has been sent to collections. The account has been disputed with the credit bureaus and removed from my credit report multiple times but it continues to return under a different collections agency.
Consumer complaint received 2021-07-16
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. (TN)

I asked my oldest son to take a look at my credit for me and upon him looking at the we saw several accounts on their that Is not mine and I dont know how this could happen but can someone help me. XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  and XXXX. Im trying to help my son and need someone to help me with this. Im doing this on my own and I reached out the accounts on there and they just been giving me the run around.
Consumer complaint received 2022-04-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (MD)

I have been trying to contact Truist Bank to get a copy of a lien release for a SunTrust Bank car loan that ended 10 or so years ago. I have called the customer service line over twenty times and have been put on hold for over five hours total. 

1. I call Truist 's customer service line, XXXX. 

2. After waiting between 15 to 40 minutes, a representative answers. 

3. I explain the situation. Representative informs me they do not have access to loan records and transfers me to the " loan department. '' 4. Three scenarios : no one picks up despite waiting for 30 to 60 minutes at a time ; the call gets disconnected ; the representative connects me to another representative who says they can't help, and then connects me to another representative who also can not help, and then transfers me to the " loan department. '' The call either goes nowhere and I have to give up, or the call gets disconnected. 

I have called the supposed loan department 's direct number XXXX but the process is still the same as above. In fact, a representative that answered from this number tried to give me the same number when I asked for a direct number to the Truist loan department.
Consumer complaint received 2023-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

I checked my credit and saw a balance remaining for a used XXXX that I voluntarily returned to the dealership due to a defective charging port. The dealership repaired the vehicle and sold it which should have covered the remaining balance. I am homeless and have been XXXX for the last 9 months. I was just XXXX  and I can not get approved for any second chance apartments due to this debt. I am below poverty line and will never be able to afford to the pay the balance reported of {$32000.00}. I have been unable to secure employment due to society not giving individuals with a XXXX  background a chance.
Consumer complaint received 2022-04-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NJ)

When the pandemic hit in XX/XX/XXXX, I was current on my 30 years fixed rate mortgage that started in XXXX of XXXX. 

Because of financial distressed caused by XXXX, I went into forbearance for 18 months. At that time, my lender, Mr. Cooper, assured me that any months in forbearance would extend my loan by the same amount of months in forbearance. I was told this program was backed by the federal government. 

Recently, I successfully completed my trial period to emerge from forbearance. My lender, Mr. Cooper, advised they would be sending me paperwork for a loan modification. Today ( XX/XX/XXXX ), I received their paperwork and was astonished. Mr. Cooper kept my interest rate the same, added what seems to be the appropriate amount of money to the principle of my mortgage, and raised my monthly payment by ~ {$200.00}. That seemed reasonable. The only huge issue, is that they added XXXX more years to my maturity date! In essence, Mr. Cooper wants me to pay XXXX more years for missing 18 months of payments. That is insane. 

I called my lender and was basically told it was a take-it or leave-it deal without any rational explanation for the radical change in maturity dates. The most trouble part is that they only gave me 10 days to make a decision. I am retired senior citizen and am terrified the bank will try to take my decades-long home away from me.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

Bank illegally holding funds on XXXX XXXX funds where deposited into account was told that funds would be available XX/XX/2021. On XXXX XXXX Aprox XXXX an email was recieved late after the funds where suppose to be available. Notice was late and not reasonable notice of hold under regulation Federal CC having to due with check deposits holds. Further more deposit reason for hold was contact check maker which is not a reason to hold funds under Federal Regulation CC Talk to Check maker is not one reason to hold funds. To top the situation off Federal and state banking regulation as well as Federal Regulation CC The bank can only hold 5-7 days funds are being held until XXXX XXXX from XX/XX/2021 which is 9-10 days which is 2-3 days over allowable hold time.
Consumer complaint received 2021-05-26
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)

Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Consumer complaint received 2021-12-07
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

I continue to receive calls all throughout the early morning to late at night, around 30 calls a day from Midland. I continue to block the calls and they use different numbers to continue the harassments. I have written them and explained to contact me via mail only and yet the calls have continued and they refused to stop calling me leaving harrassing voicemails.
Consumer complaint received 2021-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Pull Report and notice that there is Bankruptcy listed on my credit report. The United States Bankruptcy court notified me that they do not provide credit reporting to agencies. In turn, I notified XXXX, Equifax, and XXXX  of this finding, with no change to their credit reports.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

Debt Collector- Hunter Warfield INC Original creditor name - XXXX XXXX . 
The complaint is about not oweing that company {$3700.00}. 
The problem I am having is I tried to lease an apartment from the original creditor and the place was really bad. I did not move in to the apartment. The first day I was suppose to move in I told them this is not safe for me and my family and I did not even touch the apartment. They called me harassed me and told me I owe them thousands of dollars even though I did not move in. I tried to talk to them but the person I was talking to was yelling and cursing and they put it on my credit.
Consumer complaint received 2023-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I checked my credit report and saw XXXX  XXXX XXXX for XXXX XXXX XXXXXXXX XXXX XXXX. In the amount of {$460.00}. 

This is due to fraud as I was incarcerated. As they can see from account opening there was never any activity on the account.