davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Greetings, I have initiated a multiple disputes with XXXX over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for XXXX  to respond with validated proof per the Fair Credit Reporting Act. I have provided all requested documents to XXXX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors " Bank of America '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my XXXX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Account : BANK OF AMERICA - Account # : XXXX XXXX  Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX XXXX, GA XXXX Thank you for your assistance in resolving this matter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX XXXX : XXXX DOB : XX/XX/XXXX
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (TX)

Afni, Inc. reported to the three major credit reporting agencies that I owed XXXX dollars for an XXXX XXXX XXXX account. I contacted them by phone to inquire about this dept. They told me that I owed this money for an XXXX XXXX XXXX cell phone account. I explained to them that I do n't recall ever having an XXXX XXXX XXXX account, and ask them to validate this account. They refused to do so, so I ask who owned the account, and they replied that XXXX XXXX XXXX did, so I then told them I would call XXXX XXXX XXXX. His reply was go ahead, they will just refer you back to us. I called XXXX XXXX XXXX, and spent at least 30 minutes on the phone with 3 different  departments, and they had no record of this account, searching by name, ss number, phone number. I did this twice, and spoke to different people each time. They had no record of this account. I then called Afni back, shared this info, and tried to get them to validate the dept. instead, they question me of why I needed this info, and tried to coheres me into filing a report of identity theft. They continue to refuse to validate this dept, which probably is false.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (TX)

Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and XXXX  said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.
Consumer complaint received 2017-07-31
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. (NC)

XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.
Consumer complaint received 2021-09-09
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. (MS)

I recently contacted you and requested a reinvestigation for Chapter XXXX bankruptcy record reference # XXXX that is appearing on my credit report. In response to my request, your company replied saying that you verified the item as accurate and that this information was verified as accurate by the United States Bankruptcy Court of XXXX  District of Mississippi. I contacted this court and their response is enclosed. It is clear that they do not report you or to any credit bureau for that matter ; therefore, your original response verifying this item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately. I have also enclosed a letter from XXXX XXXX which states that they did not verify this record either! If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Consumer complaint received 2020-10-20
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (WI)

REFER TO CASE XXXX XXXX XXXX RESPONSE YOU CFPB!!! STOP CLOSING MY CASES UNTIL I VERIFY THEY HAVE SOLVED MY PROBLEM. YOURE AS UNHELPFUL AS SCAMMER WF. 
FIRST OFF XXXX XXXX THANKS FOR PROVING YET AGAIN YOU ARE DISGUSTING LYING SCUM. 
I HAVE NOT SPOKEN TO ANYONE NO ONE HAS GIVEN ME AN UPDATE. I CALLED WF WHEN 2 WEEKS AGO I GOT A CALL FROM A NEW NOTARY DEPARTMENT AND A XXXX TRACKED ENVELOPE FROM WELLS FARGO WITH NEW DOCUMENTATION TO SIGN. STOP LYING. I CALLED WF AND SPOKE TO A USELESS SUPERVISOR WHO BLATANTLY TOLD ME YOU  HAD RECEIVED THE PAPERWORK AND THERE WAS MISSING INFORMATION AND I HAD TO RESIGN MY PAPERWORK BUT THE TRYGLODYTE HAD NO IDEA IF IT WAS ME OR MY SISTER. I SPOKE TO MY ORIGINAL NOTARY PERSON AND SHE SAID WE DID EVERYTHING RIGHT THAT IF THERE WAS AN ISSUE WF WOULDVE LET US KNOW. I CONTACTED MY SISTER AND HER NOTARY TOLD HER  EVERYTHING WAS SENT IN AND ACCEPTED. YOU ARE DISGUSTING LIARS. YOU ARE SCAMMERS. YOU SHOULD BE ASHAMED WORKING AT SUCH A CORRUPT UNETHICAL COMPANY. IF YOU ARE STATING THAT EVERYTHING WAS APPROVED THEN WHERE IS MY CONFIRMATION FROM HUD THAT YOU STATED WOULD BE MAILED TO ME? WHERE IS THE RECEIPT FROM HUD? I WANT TO KNOW HOW I AM TO PAY HUD BACK!? SO I WONT OWE ANYTHING TO YOU SCUMBAGS BECAUSE YOU SURE AS XXXX DIDN'T HELP ME FOR COVID19 ISSUES. HUD PAID MY 2 MONTHS MORTGAGE. I WANT TO PAY THEM BACK SO I CAN SELL THIS POS CLEAN AND NEVER BE IN YOUR DEBT
Consumer complaint received 2019-08-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was given the prequalification letter by bank of america and ask me to look for property and get the contract signed. I looked over the property..put an offer ... my offer is accepted ... did the contract ... did the house inspection and sent all the documents to Bank of America . 
When everything is done and also i put down money on it..the bank tells me now that i wouldn't be even qualified for. 
All the information given are true and correct on my behalf.The played with me..and i have lost all the money.
Consumer complaint received 2017-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history ofpayments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have a fraud alert on my Trans Union, XXXX and XXXX credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : XXXX.
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (AZ)

on XXXX/XXXX/2017 i opened a citipriority checking account for {$50000.00} with the promise to re ceive {$500.00} after 90 days if the {$5000.00} remained at that level. i couldnt open the checking account on line because i get my mail at a XXXX XXXX . this is because the post off at zip code XXXX does n't deliver the mail in town to my street address. and because my street address is not recognized by the post office i had to sent citipriority all sorts of documents verifying that i have a valid street address. so the account was opened on XX/XX/XXXX and i started receiving monthly statements. as ofXX/XX/XXXX i call the bank to question why i had n't received the promised {$500.00} bonus. on XX/XX/XXXX i received a letter stating unfortunately your account does not qualify for the promotion because your checking account was not enrolled in PAPERLESS STATEMENTS.no one ever told me any time along the process that i had to enroll in paperless statements. when i saw this deal on the internet i told a friend of mine in long beach ca and she went into the bank and opened the same checking account. she was told that she was n't going to receive the bonus for the same paperless statement problem. i have seen on the internet 4 other people with this exact problem.
Consumer complaint received 2018-02-01
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 — Problem with personal statement of dispute
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (MD)

I was just notified by XXXX XXXX  that I have a lien on my property through castle credit. I have a water system and castle credit finance me for the system. What I didn't know that they put a lien the minute you except the loan. I tried to refinance my house and it can't be done because of this issue. I talked to someone in castle credit and he stated that they do this with all there customers I hadn't had the loan only since XX/XX/XXXX. I am trying to get this matter resolved.
Consumer complaint received 2017-07-31
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. (CA)

XXXX inquiries due to fraud appeared in my Equifax report XXXX  and XXXX of XXXX. I contacted the bank in question and notified them of the fraud. They immediately closed the account and mailed paperwork confirming the events. They also notified the credit reporters to remove the inquiries. Finally, I submitted a fraud alert with Equifax XX/XX/XXXX.
90 days passed.
I submitted a dispute XX/XX/XXXX with Equifax because the inquiries remain.
90 days passed.
I received no response from that dispute. I resubmitted the dispute on XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX. I received the same generic responses that the fact an inquiry happened, despite being fraud, validated its reporting.
I contacted XXXX again and they verified the events of the first call and that they would remove the inquiries. XXXX again sent me a letter of verification, and again contacted Equifax asking them to remove the inquiries.
90 days passed.
It has been almost a year. The inquiries remain. Trying to submit another dispute now results in an error on their website. Emails to contact links are bounced back. These problems needs to be fixed.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2018 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 checked 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 2019-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since Barclays has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
Consumer complaint received 2017-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MST Financial Services, L.L.C. (ID)

Thank you for this service, it is appreciated. I had to have XXXX XXXX twice in XX/XX/XXXX, again in XX/XX/XXXX, this generated over 60 individual bills, regardless I had great insurance. My complaint is that I believe accounts are being turned over for collection regardless of payment history. In this case service was provided on XX/XX/XXXX and this invoice was for over {$2700.00} dollars and was one of a total of {$30000.00} from XX/XX/XXXX thru XX/XX/XXXX. monthly payments have been paid on all of them, the one being disputed today, payments were made on XX/XX/XXXX first invoice, XX/XX/XXXX, again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and another made today XX/XX/XXXX. XXXX XXXX, without knowing an individuals financial situation demands how much has to be paid, In my opinion violating basic fundamental individual rights and ability to pay without undue hardship or threats of damaged credit, being told pay it and we will have it all removed, ( threat as defined by XXXX XXXX ) I have a perfect credit history except for the damage Chapman financial, and XXXX XXXX have done to so many here in XXXX XXXX ' XXXX Idaho in my opinion, With many of my clients sharing horror stories and about Chapman Financial and XXXX XXXX, XXXX XXXX, along with my own. I have submitted documentation of payments and they are attached, I will also obtain copies of the checks if needed., Chapman Financial company is one block away from my office and yet most of their correspondence is dated 10 days from receipt date, making it very difficult to dispute a debt in the ten business days allowed. Again it is in my opinion these practices need to be investigated even beyond my complaint. Thank you, XXXX XXXX
Consumer complaint received 2022-09-09
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 (CA)

In XXXX of 2022, Bank of America 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my BofA card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called BofA customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that BofA has and has been unable to resolve for me, yet XXXX ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.
Consumer complaint received 2020-08-19
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: Experian Information Solutions Inc. (OH)

I noticed a hard inquiry from XXXX on my credit report that I did not do! I didnt apply for any services or products from this company! Its fraudulent inquiry please remove off of my credit report
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (GA)

XXXX XXXX Account # XXXX {$130.00} that I owe Account opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX & XXXX of 2018. 
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 checked 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.