davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-10-25
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

this has been doing on for the last 3 years. 
My loan has been moved around. LakeView and XXXX XXXX. 
I paid over the amount to reinstate my home back in XXXX 2017. At that time- the extra money was to be applied to current and future payments. Instead, the payments got applied to fees that dont have any explanation to them. Over over $ 4k dollars. 
There was a payment on my account around {$1600.00} that has never been applied, My ex wife is still on my loan- and I have been told several times this would be resolved and taken care of- and still has not. 
I filed bankruptcy to save my house. Money was applied and yet never shows up. I was told there is yet another sell date of the XXXX of XXXX. 

Also- on some documents it is showing that my interest on my loan is in the 5 % range. Not sure when this happened. As well as two different amounts for the payment. One from XXXX XXXX and another from Lake View. Not sure which one is which and why there are two.

Myself as well as my attorney have tried to get the pay off amount and never were able to get that amount. Also when we filed bankruptcy the loans continued to serve me with sale date notices.

At this point I don't even know where to turn or to get answers. When the trustee and attorney aren't able to get clear information- I am in need of your help
Consumer complaint received 2015-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-25
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: ZWICKER & ASSOCIATES (AR)

LAST CHANCE TO DO THE RIGHT THING AND HAVE ZICKER AND ASSOCIATES VACATE BOTH JUDGEMENTS. ALL DEBTS HAVE BEEN DISCHARGED VIA CHATER XXXX BANKRUPTCY. CASE XXXX
Consumer complaint received 2017-10-24
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. (NC)

On XX/XX/XXXX, I requested, via mail, documentation supporting information reported on my credit file in XXXX separate letters. I specifically stated that my requests were not disputes, but were in accordance with the FCRA. Experian promptly sent me a form letter in response to XXXX letter, and treated the second as a standard reinvestigation of a previously disputed item, refusing to provide me the documentation requested, which they are required, pursuant to the FCRA to provide. This is a clear case of willful non-compliance on their behalf.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2022-09-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Zachter PLLC (MD)

Hello There, First of all I would like to say Thank you for your assistance! 
The Debt they asking me to pay is a business loan from XXXX, the company is forfeited since XXXX, the amount was {$5000.00}, now they're asking me to pay $ XXXX. I was trying to negotiate and pay some amount because of their intimidation and they even blocked my XXXX XXXX XXXX son account, this is unheard of in America and how they're XXXX. 
Since XXXX XX/XX/XXXX I am on therapy after having a XXXX XXXX and colleting Disablity benefit, they are collecting almost half of my payments by letting me sign wrong agreement, I have all the correspondences since then, After My XXXX XXXX I have XXXX XXXX and XXXX ' that's why i am still following therapy, while i am going through all this hard ship I was XXXX XXXX and repeatedly intimidated by one of the paralegal from this firm her name is XXXX XXXX, I can provide you all my medical history if needed. 
They are using the law firm called ZACHTER PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX TEL, XXXX XXXX XXXX XXXX XXXX XXXX FAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX OFFICE FAX XXXX XXXX XXXX
Consumer complaint received 2017-10-24
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

Hello, I am filing this complaint in regards to TD Bank not honoring their promotion. I found this promotion on their website and it stated that if I opened a new checking account online and received direct deposits of {$500.00} or more over the first 60 days I would be credited {$150.00} after 90 days. I met those requirements and I have n't been credited the bonus. In late XXXX I went to a branch and the banker told me I did meet the requirements but bonuses are usually paid out after 96 days. I waited two weeks and there still was n't anything, so I called their customer service line on XXXX/XXXX/17. Again I was told by the TD Bank customer service rep that I met the requirennts and he 's not sure why I was n't credited the bonus. He said he would email the promotions department and get back to me. He returned my call and told me that this promotion was for existing customers not new ones. I have a picture of the promotion and it clearly states " New Customers ''. Since then I have called the customer service line 4 more times XXXX on XXXX, XXXX, XXXX, & XXXX ). They all said the same thing, that I met the requirements and they are n't sure why I have n't received the bonus. On XXXX I visited a local branch and the banker there told me the same thing as the others. On XXXX I followed up with her and she told me the promotions department emailed her stating I did n't click the right link but there was only one link to click. On XXXX I was told the promotion was n't active during the period I signed up but the promotion was available on their website. I have been told by 6 customer service reps that I have met the requirements and I should have received the bonus yet their promotions department has comeback with 3 different excuses as to why they wo n't credit me the bonus. I look forward to hearing back from you. Thank you
Consumer complaint received 2018-05-27
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 sent a letter to all 4 3 credit bureaus Transunion, XXXX, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I checked any credit report I've noticed that someone has accessed my personal information. I've noticed that I have multiple inquiries on my credit report one from XXXX XXXX XXXX XXXX and two for XXXX XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NJ)

I saw something on the news about Congresswoman XXXX XXXX about how she is trying to help change the way that the credit bureaus report inaccurate information. She stated " In this broken system, credit reports are routinely filled with errors that are difficult for consumers to correct. Negative information stays on for periods much longer than its predictive value. Medical debt continues to harm the credit standings of otherwise creditworthy consumers. These problems are pervasive in the credit reporting system. They directly impact how much we pay for a car loan, whether or not we can get a mortgage, and, in some cases, whether or not we can get a job. '' I couldn't agree more. 

This then prompted me to look at my own credit report after not doing so for many years. 

I noticed that I was reported 30 days late in XXXX of this year. I have never made a late payment on this account to my knowledge and after I got my free credit report for the year from XXXX, I noticed that according to Barclay 's, I was. This must be some kind of error because since 2013 when I opened this account, I have always maintained a low balance and paid on time. But yet, I was reported 30 days late? This is going to ruin my perfect credit history when in fact, I was never late. I really need help with clearing this up because I am sure there is some kind of discrepancy.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to dispute and request the immediate correction of an error on my credit file maintained by Credit Bureaus. Upon reviewing my credit report, I discovered an inaccurately reported late-opened account, which has adversely impacted my credit standing. 

I request that you promptly investigate this matter and correct the misinformation on my credit report. It is imperative that the correct account opening, is reflected to accurately represent my credit history. 

Furthermore, I urge you to ensure that such errors do not recur in the future and to provide me with a written confirmation of the correction made to my credit file. 

Please acknowledge receipt of this dispute letter within [ specify a reasonable timeframe ] and provide updates on the progress of your investigation. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$4300.00}.
Consumer complaint received 2022-09-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2017-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Onity Group Inc. (CA)

SEE ATTACHMENT. I AM A VICTIM OF IDENTITY THEFT. LITTON LOAN SERVICING, LP IS CURRENTLY REGISTERED AS ACTIVE WITH THE CALIFORNIA XXXX OF STATE/FILE NUMBER XXXX. LITTON LOAN RECEIVED VIA A TRANSFER OF A XXXX XXXX XXXX XXXX XXXX ACCOUNT IN WHICH I DID NOT AGREE TO NOR DID I RECEIVE THE BENEFIT OF THE XXXX ACCOUNT THAT WAS CREATED IN MY NAME AND LIKENESS. REQUIRE LITTON LOAN SERVICING, LP TO PRODUCE THE LOAN APPLICATION/DOCUMENTS/FILE AS IT RELATES TO THE LOAN NUMBER ( SEE ATTACHMENT ) THAT REFLECTS THE INTEREST RATE AT XXXX AND DOCUMENTS OF A CONVENTIONAL LOAN. PROVIDE THE CONVENTIONAL LOAN # AND APPLICATION ; PROVIDE PROOF OF LOAN PAY OFF AND REVEAL THE LENDER IT PAID OFF INVOLVING PURPORTED XXXX BANK, XXXX LOAN IN XX/XX/XXXX. SUBMIT AN ACCOUNTING AS LITTON HAS RECEIVED MONTHLY PAYMENTS OF {$1900.00} AND PLUS. SEND RESPONSE VIA UNITED STATES POSTAL XXXX XXXX XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-03-04
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. (MO)

I filed 2 separate identity theft reports to Equifax regarding fraudulent accounts & inquiries in my name. They have not removed the fraudulent information even though XXXX & XXXX has done so.
Consumer complaint received 2017-10-24
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BMW Financial Services NA, LLC (IN)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XX/XX/XXXX and on XX/XX/XXXX- They contacted a relative and left a message, then disclosed that they are attempting collect a debt.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

On XXXX XXXX, XXXX, a check was deposited into the XXXX XXXX XXXX XXXX XXXX TX BBVA Compass branch ATM. An hour later the deposit had not shown in my account. I called BBVA and spoke to a male agent who was said he was researching the deposit and put me on hold. After about 10-15 minutes of this, the agent hung up on me. I called back and spoke to another agent who said the investigation department was closed so I had to call back the next day. I called back today, XXXX XXXX, XXXX and reached a female agent. I was on the phone with her for 24 minutes and was on hold for about 10 minutes after I told her I need to speak with someone who can credit my account with the funds since they were sitting in the BBVA ATM. After I was hung up on, I called again and spoke to a male agent who finally gave me dispute # XXXX. He put me on hold and called the investigators department. He came back on the line saying they would not speak to me. I then spoke to the agent 's supervisor, XXXX # XXXX who refused to provide resolution. 

This money was to pay my driver. I am a new XXXX XXXX XXXX who does not have extra money sitting around to cover my driver 's pay twice. It was a malfunction of BBVA 's  ATM and I should not be penalized for 10 business days due to their machine malfunction. I want my account to be credited within 24 hours of receipt of this complaint, if not sooner, of the {$260.00}, which is the amount sitting in their ATM. 

This is the worst customer service I have ever experienced with slow, out-of-date processes, no consideration being made for customers being damaged financially due to their malfunctioning machinery, and phone agents who make it impossible to get solutions to help their customers keep their businesses running smoothly. This is not an institution that is in it to help small businesses.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

An automatic charge was made to my Capital One account and the card company did not provide me any notice of the charge. I subsequently accrued late fees, which affected my credit charge. I paid off the late fees, even though I disputed them, but they will not release the rewards that I am owed.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

Bank of America LOST MY MONEY. Despite numerous attempts to resolve this problem with Bank of America XXXX see XXXX, XXXX, XXXX XXXX, I am still not getting anywhere on this. Bank of America says that they escheated my money to State of Wisconsin XXXX see attachment XXXX ). I did contact State of Wisconsin. State of Wisconsin said they DID NOT GET ANY MONEY FROM BANK of AMERICA in my name XXXX see attachment XXXX ). State of Wisconsin suggests that a representative of Bank of America contacts State of Wisconsin to resolve this problem ( see the attachment ). To resolve this issue, I want Bank of America to contact StatXXXX of Wisconsin to figure this problem out, and to find my money, and tell me where it is in writing. BANK OF AMERICA IS RESPONSIBLE FOR LOOSING MY MONEY. WHEN YOU FIND IT, SEND IT AS A CHECK TO MY HOME ADDRESS.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-10-24
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. (MS)

I filed a complaint with Experian asking them to remove ALL dispute comments from my credit report. Experian sent me the attached credit report as a result of the investigation. The letter lists several items under investigation that I did not even request. They DID NOT remove dispute comments from any of my accounts. 

I would like ALL dispute comments/dispute statuses removed from my credit report ( ALL accounts ) immediately. I am prepared to contact an attorney to file suit against Experian, as I have had several issues with this company in the past. I have circled the dispute comments in the attachment.
Consumer complaint received 2017-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (TX)

I had to close my account due to Fraud. I was advised any transactions that tried to go through I would be notified, I was also advised since I did n't have enough time to reroute my DD they would auto send it to my new account that I have ( with them ). That is n't the case. I have. Even calling since last Friday and have been told now it will be later in the week that my DD will be credited. I 've asked for a supervisor and was told there is n't one available. I have asked to speak with the specific fraud specialist ( XXXX ) and told no. Her notes are on my account so I know they can contact her. I 've called my local branch no luck. Meanwhile my bills are trying to go through ( auto debit XXXX of month ) and being rejected and I 'm getting charged fees! HELP!!!
Consumer complaint received 2017-10-24
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. (CA)

My wife signed me up as an authorized user on her {$24000.00} XXXX XXXX XXXX XXXX. I no longer wish to be an authorized user on my wife 's credit card. XXXX and XXXX deleted the trade line. For whatever reason, Equifax refused to delete the trade line. I guess they are too busy with their glitch problem to do their job. I want the trade line deleted by Equifax asap! I am not responsible for this credit card.