davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

My timely mortgage payments have not been credited since XX/XX/2021. I have paid these on time and gotten confirmations, then learned the next month that Bank of America did not record them. This has happened repeatedly and each time I have submitted proof ( cancelled checks, confirmation for electronic payments, etc. ) and spoken at length to customer service representatives. Once the payment was credited to my credit card. I have challenged the adverse credit reporting through those bureaus : Bank of America simply denies it despite the evidence. 

After a flurry of odd activity on my account last month, I called Bank of America again to inquire what was going on. Its representative insisted there was no late payment reported. Today my credit report shows they reported my XXXX and XX/XX/2021 payments as late. I have confirmation from my bank that these were submitted on time. 

I believe this is happening because I told Bank of America I need to refinance my home ( I'm paying nearly 6.5 % interest ) This is how they are preventing that, because my credit union will not refinance when I have allegedly missed mortgage payments. I have been a long-time customer, have always paid my mortgage on time, and have spent DOZENS of hours on the phone trying to make this stop - but nothing I do makes any difference. My equity is significant and- but for these false reports - my credit is good. 

I don't know what else to do. This has gone on nonstop since XXXX, no matter what I do. They have my money and at the moment show I am current, but that has regularly changed without warning and I am back to calling, writing, challenging the credit reporting- with solid proof that indeed they got my mortgage payments on time.
Consumer complaint received 2022-01-11
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)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX- Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of XXXX XXXX Date of InquiryXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (FL)

Exeter Finance is reporting my Date of First delinquency as XX/XX/XXXX but the date is incorrect. It was first delinquent in XXXX and this account should be deleted off all 3 bureaus due it being past the reporting date.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (IN)

On XX/XX/2021 I XXXX XXXX validation letter was sent to ( ACI ) AMERICAN CORADIUS INTERNATIONAL LLC This company has only provided a transaction history with both paid and unpaid amount from original creditor XXXX . 
This company/ organization has failed to provide original agreement and exact amount owed plus the following below : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s.
Consumer complaint received 2019-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

I called Conn 's and was redirected to the third party agency that my account had been transferred to. The third party told me that Conn 's had agreed to settle my account and the account would reflect paid as agreed. The third party also told me that the account balance would reflect XXXX. Conn 's is still reporting that I owe XXXX to all 3 credit bureaus. I tried to dispute the amount owed and Conn 's "  verified '' that I owed them money. I contacted Conn 's and sent them the settlement agreement showing that Conn 's agreed to settling the account and after I paid the settlement that account balance would be XXXX. Conn 's ignored the letter that I emailed them back in XXXX. I called and spoke with a representative and and supervisor and they both said that I owe the amount that is due. I told them that I will be submitting a complain because they have blatantly ignored the email that I have sent them and have refused to reduce the balance to XXXX as agreed per the settlement.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

Recently, I've been unable to obtain my free credit report from TransUnion. Contacting Transunion has proven unhelpful. 

1- When using XXXX to obtain my credit reports, I receive an error stating that TransUnion is unable to authenticate my information and to contact them via phone or mail. I am able to see my reports from the other agencies. I used to be able to see my report from Transunion, but that stopped working last year. 

2- Transunion sent me a written report via US mail, but I want to be able to view my report online. I have sent ( multiple times now ) copies of my drivers license and bills, and other information they request, they only send another written report via US mail. 

3- I tried complaining on their XXXX  page and a representative said my file needed maintenance. This was performed 3 times, but does not resolve the problem. 

4- Calls to transunion blame problems at XXXX, they also say they have computer problems and to try again in a few weeks. None of this is true. 
Case number XXXX XXXX A recent breach at my lawyers office entitled me to a free credit report service from TransUnion called XXXX. My wife had no issue enrolling, but I received the same " cant verify my identity '' type of messages. After numerous days of working with them and sending documentation, I was finally able to logon directly with Transunion, but I still can't access my transunion files outside of their paid portal, XXXX. Clearly something is wrong with my file, and they will not fix it. Case number : XXXX I am entitled to online access to my transunion credit report online, and and I am unable to do so. Transunion is unwilling to help me resolve the problem via us mail, phone or through XXXX support.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

On XX/XX/2021 was contacted by Wakefield and associates about a debt that was supposedly ours. I then sent a debt validation letter on XX/XX/2021 to them which they received XX/XX/2021 to which they never responded. They never stopped collection attempts. They just garnished my husband 's check on said debt they never validated. They also never informed us of any garnishment orders before they just did this. The fact this company thinks they're above a federal law is scary to say the least!
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I received a XXXX  Gift Card in the amount of {$230.00} issued by US Bank. I have attempted to use the card on several occasions. One of my attempts was on XX/XX/XXXX, at XXXX XXXX, the retail chain that sold the card. ( There appears a business relationship between XXXX and US Bank, as there are US Banks at many XXXX locations here ). The XXXX Supervisor attempted to get the card to work and then called US Bank. He was told that US Bank would electronically fix the card immediately. After several minutes we tried the card again, many times, and the card still did not work. The Supervisor and I called US Bank again and were told a replacement card would be provided by mail. 

I have sent four letters via US mail, on the following dates as follows, and have received no replacement card, check or communication. 
XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX ( Delivery Confirmed ) XX/XX/XXXX. ( Delivery Confirmed ) I have been sending my correspondence to Card Holder Services, Bank and Risk Operations, XXXX XXXX XXXX, XXXX, Florida, XXXX. The Reference number is " ID Card XXXX ''. ( All communication and delivery receipts are available to you upon request.
Consumer complaint received 2020-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX XXXX a avp at XXXX XXXX  in XXXX of XXXX Accessed my bank account, credit cards, and rent by using stolen accounts from people applying for mortgages at XXXX. I stopped working for the company back in XXXX and starting in XXXX he stole peoples information and use me and my information as a cover-up for fraud. He got into my bank accounts and credit cards, doing test deposits, making fraudulent charges and tried to make payments before I could find out. When it cleared he went to XXXX and XXXX XXXX to commit bigger fraud. I wasnt aware of the situation and I didnt know how bad it was until my bank accounts were frozen and credit cards canceled due to fraud. As the months went on I started getting updates from my credit report and banking institutions along with the police and feds About how deep the fraud went. I was cleared of all charges and capital one refuses to delete the 90 day negative payment history and charges off my credit due to they keep confirming its my credit card which I never denied. I have had this card since XXXX with outstanding report history. But the fraud charges that was committed on my card and payments fraudulently causing my cards to close I dont accept accountability for. I lost my {$300.00} deposit and want me to pay over {$800.00} suggesting that I make payments for fraud activity to stop the negative reporting then waiting for possible reimbursement is a scam due to they can take my money and never pay it back leaving me more in debt than the damage already caused.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.
Consumer complaint received 2021-11-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

In XX/XX/2021, I filed for chapter XXXX bankruptcy. After filing, I attempted to make my regularly scheduled payment. My private student loan servicing company Firstmark, showed on their website, that no payment was due. I attempted to make a payment anyways and was prevented from doing so by the website, stating " payment could not be made at this time. '' As a result, I was under the impression that my loans were in forbearance during the bankruptcy because of the statement stating no payment due. 

On XX/XX/2021, I received a letter from Firstmark stating my current amount due and showing a past due of {$250.00}. I called the company and told them what was stated above. The company stated that they were not allowed to have any debt collection with me during the bankruptcy and that I should have known payments were still due through the bankruptcy per my loan term agreement signed 15 years ago. I asked how you could state that my loans required no payment but still require a payment without notifying me of it. They stated that they weren't allowed to communicate by law as a result of the bankruptcy. I told them that I believed it was unfair and fraudulent to state on my account through their website that no payments were due and prevent me from being able to make a payment in my normal manner but still in fact require payment with no communication on how to make payments or the requirements that they be made. 

I have been charged late fees as a result of the supposed missed payments and my credit score has gone down over 200 points as a result of them reporting every loan as in default for the period during the bankruptcy to my discharge date in XX/XX/2021.
Consumer complaint received 2018-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (WA)

On XX/XX/XXXX my XXXX Credit Card account was breached and charges were made to my account. XXXX acknowledged the breach and refunded the funds to my account. On XX/XX/XXXX I redeemed points for cash on my account and noticed there were points used to purchase " XXXX XXXX XXXX XXXX XXXX XXXX '' shipped to XXXX XXXX XXXX XXXX OH XXXX. This purchase was executed on the same day of the breach XX/XX/XXXX. The CC breach consisted of a XXXX purchase of a laptop which through my investigation was shipped to the same address. On or about XX/XX/XXXX, I requested XXXX credit my rewards account the XXXX ( which is equivalent to {$230.00} ). The fraudulent points purchase was the same day as the fraudulent credit card purchase. XXXX has acknowledged the points fraud occurred the same day the credit card fraud occurred but decline to replace the points. I have appealed their decision 2 times and then sent it to the BBB to which I received a letter acknowledging the breach and the correction of the CC charges but denial to credit back the XXXX points. Coincidentally, the shipping address is 13.8 miles from XXXX. Additionally, they elude to the breach being a result of something I did. I access my account through a protected, firewalled system because I own a business that is regulated by the SEC and the Insurance industry. I believe the breach occurred from internal mishandling of information, which resulted in the breach of my online username and password which allowed the criminal to logon to my account, change my mailing address to the address listed above in OH and then order products shipped to that address. When I asked XXXX for the IP address from which the person logged onto my account they declined to provided, I can only assume to protect themselves from a MAJOR breach announcement, I can also only assume this is no an isolated incident.
Consumer complaint received 2022-01-11
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. (TN)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Consumer complaint received 2018-02-06
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

We contacted AmeriSave on XX/XX/XXXX, requesting information on products that they offered for non-owner occupied loans for two residential properties. First, we spoke with a representative, XXXX XXXX. We asked him if we were eligible for these loans, given that the title on the properties may be in the name of our XXXX XXXX XXXX XXXX. He assured us that he would check first before we initiated the process as he didn't want us to pay for an appraisal if it wouldn't go through. XXXX stated that he verified this information by checking county records and checking with his colleague. We started the process, submitted the initial application and scheduled the appraisals on XX/XX/XXXX. On XX/XX/XXXX, after the appraisal was completed and we paid for it, they stated that they could not work with us on one property as the title listed a company and not individuals. This was the specific question we asked before even moving forward with AmeriSave. It ended up that we wasted time and money on an appraisal for one property that wasn't applicable. The second property was eligible, so we decided to move forward with the loan process and providing them with an abundance of documentation. 

Through the month of XXXX and up until even today XX/XX/XXXX, AmeriSave has made our lives miserable and required 7 separate conditions from the underwriter. Some included full 12 month mortgage verification on a property completely unrelated. All property HOA and HOA bills ( twice ), insurance documentation, and more. I had complained that this was highly unprofessional, some conditions ( items requested ) were already sent and in their possession ; yet they requested it again anyways. Still, they continued exercising us constantly. We complained to management, and they told me that the underwriting manager as well as the loan officer 's manager were both involved. They came back with a final condition for full tax returns on two companies that we have ownership in. We submitted this final information on XX/XX/XXXX. I have called the loan officer responsible for our case everyday since then. I have left voice mails. She is very familiar with me, but I have received no response back. I have sent various e-mails, and still have received no response. They have gone completely dark and I can not contact anyone regarding my loan or what the current status is. I have been bullied throughout this process, have paid wasted fees, and taken time out of my busy schedule to bend backwards for them on multiple occasions. I have been proactive throughout this entire process, with me always reaching out to them, instead of vice-versa. I have run out of options, and can not stand for the unprofessional and uncaring attitude that is apparently systemic throughout this organization.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court