davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (CA)

I financed my residential Solar through Service Financial Company. XXXX XXXX, who installed my Solar System filed for Bankruptcy and is not taking calls or emails. XXXX XXXX was evidently bought by XXXX XXXX XXXX, XXXX. I have tried calling them and emailing, without success. Service Financial stated I am still obligated to pay them, which would be fine, however my Solar is no longer working and my XXXX bill has tripled. 

I have no idea who to contact for help at this point. I am paying {$300.00} a month to Service Financial for nothing. I have researched the internet tiressly for help and discovered there are 1000 's of people in the same situation.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Collection agency has falsely reported on my credit report.I had this same issue happen in 2015. The same creditor has referred account to another collection agency. All the circumstances are the same. I wrote my state dept. of consumer services and the suggested I contact you. I have also filed a dispute with the credit reporting agency and the collection agency. I would really appreciate some help. My credit score is severly lower due to this problem. This is such an assault to an individual both financially and emotionally.
Consumer complaint received 2023-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I received a Summons to court for XX/XX/XXXX with attached billing type of documentation that had only my first and last name on it, with no reference to a billing address, and only referenced the last XXXX digits of an account number. I have not had any communication that I know of from this debt collector. I do not recognize this debt or having a credit account with the referenced creditor. I do not have any record of payments being made by me to this creditor, though the statements say payments were being made apparently at some point. Also the provided statements show a card security fee being charged, which upon inquiry I was told it was something that was a type of service that would have paid the owed balance in full upon default, and that if this was legitimate, it should have not been sold to the debt buyer, Portfolio Recovery, in the first place. The statement provided is dated for XX/XX/XXXX. I was advised by a lawyer that this debt is most likely identity theft, since the security service was purchased, as the claim amount is relatively low at {$2600.00}, and am retaining a lawyer for all communications, including with the company, and had been advised to not acknowledge the summons, as it could be construed as an admission to validity of the debt. This research has taken longer than expected, therefore the date of this complaint that I have been advised to submit personally after the fact.
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a complaint in XX/XX/21 ( Compliant No XXXX ). 
I was expecting a response from Bank of America or from CFPB in XX/XX/XXXX, but nothing ... ..should i still wait for an answer or is this a waist of time?.
Consumer complaint received 2018-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-05-30
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. (FL)

I am writing to dispute  XXXX    XXXX    XXXX   XXXX  on credit report number  XXXX . The account status and high credit is incorrect. Please delete the account.     Please attached credit report.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.
Consumer complaint received 2021-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-15
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)

I have asked Experian Numerous times to send me a signed copy of everything I XXXX XXXX XXXX say 's I purchased on the XXXX account they have yet to provide me with this information. I need these copy 's because I did not make these charges. XXXX and XXXX   have both deleted this account from my credit reports because they could not provide this information. Experian needs to provide me with this information or this account needs to be deleted from my credit report.
Consumer complaint received 2024-01-30
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

I wish to file a Complaint again XXXX XXXX  XXXX XXXX  XXXX as Trustee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Attached are Certified copies of it's released of my mortgage ( 7 years ) ago in XXXX. 
Yet it retained a Debt Collector XXXX XXXX XXXX to harassed and terrorized me with legal actions that never materialized. 
Also attached is the Certified copy of the " Deed " registered after my mortgage was released from XXXX XXXX  and currently they file their complaint as Trustee for XXXX XXXX XXXX,,.
Consumer complaint received 2024-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo, XXXX XXXX : I pay every XXXX weeks, but they hold every other payment back as " unapplied funds. '' When asking them earlier how to avoid this, they said I need to be paid ahead. After a full year of doing this, I am 1 payment ahead and nothing has changed. This is interest they are imposing on me after tendering payment and they are profiting off of the interest they earn while holding my money ( and that of every one of their customers doing this ). 

XXXX XXXX, XXXX XXXX ( has my wife 's name on it as well, XXXX XXXX ) : Same problem as above except that we are on " bi-monthly '' payments instead of every XXXX weeks. Those payments are pulled from our bank account twice a month, but they only apply them - in aggregate - once per month to our mortage, thereby imposing interest on me that we are trying to pay off early and earning interest themselves off of money they are holding from me. This deprives me and all of the customers they have doing this of significant funds over the life of the mortgage.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

Commencing on or about XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Cash App account to fraudulent investment firm ( s ).
Consumer complaint received 2018-02-21
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. (CA)

This dispute is in regards to an incorrectly reported collections account on my credit report by the Department of Veterans Affairs starting on XX/XX/XXXX through XX/XX/XXXX. II originally submitted for a review of the dispute through the credit reporting agency, and the the Depart of Veterans Affairs to remove the items from my credit report but both the reporting agency and the VA failed to remove it. I was pulling GI Bill benefits from the VA to go to school and then graduated in XX/XX/XXXX with no correspondence from the VA in regards to an over payment as I had moved the year before and did not update my contact information since I would no longer be pulling VA benefits once I graduated. My contact information with the school had been updated immediately and since the VA was making payments through the school they could have received my contact information from there. I ran my credit report and noticed there was a collections item with several months past due and had been transferred to the US Treasury, which was then removing money from my paychecks at my work. I then immediately paid the balance including something like 30 % fees with the expectation that the VA would remove it from my credit report. The VA nor the Treasury did so and then told me I would need to dispute it with the credit reporting agency. After the first dispute with no change to my credit report and additional efforts to have the VA remove it, I am still stuck with a collections item on my report. I am asking for the item to be removed completely from my credit report. With much respect to the VA for the help they gave me for my schooling, I earned the money with my 8 years of service and multiple XXXX to XXXX and XXXX and do not deserve to have a hit on my credit that is now making buying a house for my family nearly impossible. This extreme blemish on my credit report has caused a number of issues for me and my family, including the hard hit of paying extra fees to the VA and money being taken away from my pay checks. I believe the VA did not do their due diligence to contact me nor gave me the time or effort to have the item removed from the Treasury or my credit report so it could have been handled without fees or credit hits. 

Please note, this is now the third time I have had to file a dispute for this account, as I believe not a single person from the CFPB nor the reporting agencies have actually read the dispute. The VA is INCORRECTLY REPORTING THIS INFORMATION. They STOLE MONEY from me in collection fees, and have failed to remove the item from my credit report. Please read the request this time and please for the love of XXXX  remove this from my credit report. Thank you very much, for the third time.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (FL)

On XX/XX/2017, a 30 delinquency was reported on my credit report, i called the credit card to inform that no purchase was made so no balance due, no payment to be made, The informed me that a monthly charge was hitting my account, even without my knolodge,. I calmly asked them to remove the negative information and they agreed and from that point on i was pleased with their customer services, fast foward the delinquency still showing on my account and i am hopeless at this point.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (CT)

I paid loan online thinking it was my last payment. I selected monthly payment amount. I did not realize there was still a {$96.00} balance left on my account. I was not notified by email or phone call, I received a letter over a month later stating that it appears I intended to pay off my loan but there was still a {$96.00} balance. This caused Santander to report me late to the credit bureas. I paid well over {$38000.00} on this loan most of that being interest. I had a good payment history up until the very last payment that i thought I was paying the loan in full. I did not realize there was still a {$96.00} balance. If they had contacted me to let me know other than through the REGULAR MAIL over a month later I would have paid it IMMEDIATELY so it would not harm my credit report. Because, my credit is so important to me so that I can take care of my family with low interest rates, but this company is hurting me and my family gravely.
Consumer complaint received 2018-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

i opened a store card under my personal name, just to have a better control on my personal expenditure and my contractor account with Lowes home improvement, and since this time i keep my loyalty with the store buying my daily materials, Last year XX/XX/2017 i was reported 30 late on my payments that was set up on automatic payment, I called Lowes infoming that all my payment was on automatic payment and couldn't see it being behind special on a such small amount but had no option to have my case heard by lowes ; I even try to resolve it through the credit bureaus but no success either, it seems like it not important to them. 
I went through some credit score simulations and this simple fact its damaging my credit score considerably., I would like to have this wrong info removed from my credit report
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SD)

Recently, I have looked at my credit report and noticed several inaccuracies that is preventing me from obtaining credit. It is my understanding that you will investigate please items to ensure accuracy. Here is the item I am asking you to identify as accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-14
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: Bread Financial Holdings, Inc. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2017-05-30
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: SYNCHRONY FINANCIAL (OH)

Synchrony Bank continues to report an account I closed and paid in full back in  XXXX     1989. The y include a negative comment on the file and have been doing so for 28 years thus only serving vindictive purposes. The credit reporting agencies are no angels in this as they had the opportunity to tell their clien t ( th e bank ) that this dispute is too old to report -- instead they cower to their clients ' wishes and ignore the consumers. The credit agency did not investigate my dispute and simply followed the orders of their client. Note, the bank reports a  XXXX  balance that was paid in full in  XXXX   1989.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a follow up to my existing complaint. Bank of America is still keep my accounts open and are pigeonholing my funds until after XX/XX/XXXX. They are actively gaining interest with this account and refusing to exposure my closure when federal regulations state this account should have been closed days after closure. Further, they have my Account locked effectively having my mortgage, childs tuitions, and car payments are all being returned. No one is assisting Ms this company needs to be held liable immediately I have followed up with my states attorney generals office, the OCC and FDIC
Consumer complaint received 2023-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

DEAR OMBUDSMAN DEPARTMENT MANAGER : YOU HAVE PUT ME AND MY FAMILY IN HARMSWAY BY CHARGING ME LAST 11 YEARS FAKE HOMEOWNER INSURANCE FEES AMOUNT {$16000.00} + {$130.00} ESCROW FEES. MY PENTHOUSE CONDO ASSOCIATION OFFICE HAVE EMAILED PROPERTY INSURANCE PROOF TIMELY TO YOU LAST 11 YEARS. 

ALSO, NEW CONSTRUCTION CERTIFIED CONDO BUILDINGS BASED ON XXXX REAL ESTATE LAW PREWIRED WITH CARBON MONOXIDE DETECTOR AND PREWIRED SPRINKLER SYSTEM DOES NOT REQUIRE FIRE INSURANCE POLICY. PLEASE, REFUND MYESCROW SURPLUS OF {$6000.00} + {$40.00} PROP. INSPECTION FEES. MY ESCROW SURPLUS INCLUDES {$2.00} ESCROW ADVANCE FEES REFLECTED ON MY RECENT REINSTATEMENT LETTER DATED XXXX XXXX XXXX  XXXX FILE # XXXX. PRIOR TO MY WIRE OF ABOUT {$50000.00} TO BRING MY ACCOUNT FULLY CURRENT. 

STILL, MY PROPERTY IS XXXX EXEMPT SINCE XXXX  BY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, PHONE XXXX. 
SEND MY REFUND TO MY MAILING ADDRESSD RESPECTFULLY, XXXX XXXX XXXX XXXX XXXX XXXX WITH HONORS
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i had a issue with XXXX XXXX XXXX i dont owe any balance on the account but they put my account as fraud activity and reported to the consumer reporting agency and i have explain the issue what had happend that it wa a honest mistake my spouse had made he accidently deposit the wrong check and we had called next day to confirm the mistake and the bank of america supervisor had informed us that it should not be any problem it will just get returned check and get an fee. 
few weeks later we got a call from risk dept from BOFA stating that the account will be closed due to fraud activity? but we were informed by the customer service manager that it shouldnt be a issue so im writing this letter. 
please help us solve this issue. 

this was like in 2016 XXXX sometimes
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Stellar Recovery, Inc. (TX)

The collection was removed from previous collection agency known as XXXX XXXX , XXXX for {$450.00} and now being reported by a collection agency known as Stellar Recovery INC XXXX date opened XXXX-2017, furthermore according to FCRA I must be notified within 5 days of reinsertion. if you do n't get notified, that 's grounds for removal.