davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

Today I tried to temporarily unfreeze my account. I gave the representative my ten digit pin and answered a barrage of questions about my present and past loans, as well as ss #, dob, and address. I was told I did not pass the verification of my identity, and would have to wait 5 to 7 business days after submitting a copy of my ss # and driver 's license via fax to get a response. This is untenable for a business that builds their business revenue model around rapid access to employee info. and suggests more of an XXXX attitude to the general public who do not have to pay for this service. I needed access to my credit report ASAP and what I got was beaureaucratic subterfuge. Suggests to me that Equifax does not care what we think and will hide behind the screen of " protecting credit information '' in order to drag its feet. This is the era of 1 to 2 seconds. Why is it taking 5 - 7 days. Why any waiting time to access my information when I answered all of the questions factually?
Consumer complaint received 2022-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NV)

Our mortgage company SLS or Specialized Loan Servicing has not been properly applying our payments to our mortgage loan account and is continuously reporting that we are behind. This has be an ongoing occurrence but finally with the help of our HUD advisor and a senior mortgage loan officer at XXXX XXXX XXXX we have found numerous mistakes and miss applied funds on the loan. 
In XXXX XXXX we received Covid19 assistance from HUD during our forbearance with SLS and at that time they brought our loan completely current including ALL past late fees and legal fees. At this time we were to continue with our scheduled payment on XXXX and then we would be cleared to start a refi because our HUD advisor advised us to since we are at 7.4 % with SLS and they would not modify the rate. 
XX/XX/XXXX and XX/XX/XXXX payments were both made each totaling {$1100.00} and when we received XXXX statement it showed that they had not applied our last payments to our loan but instead to XXXX lines of fees totaling in the amount of {$1100.00} we still can't figure out were the other payment went. They also state the acct. is delinquent again and wont explain what the fees were for or reverse those fees and apply the payment properly even though they have been contacted by Us, our HUD advisor and our XXXX senior mortgage officer which is stopping our refi progress. PLEASE HELP I have sent some docs that my bank has provide we have more but they have loan # s and such if needed
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: HYUNDAI CAPITAL AMERICA (CA)

THERE IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT FROM HYUNDAI MOTOR FINANCE. PARTIAL ACCOUNT # XXXX OPEN DATE XX/XX/2015. THIS ACCOUNT WAS OPENED WITHOUT MU CONSENT. I HAVE COMPLETED AN IDENTITY THEFT REPORT, BEEN DISPUTING THIS WITH XXXX
Consumer complaint received 2020-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (OH)

On XX/XX/2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2024-02-02
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. (MA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-12-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (CT)

Since XXXX  I have been out of work ( Non essential and I live in CT where they bring us back to phase 2 like nothing ) So my load with Sheffield was extended, once I reached the Max extensions and STILL was not working due to XXXX, I called and actually requested what they called " Special '' permission to get more of an extension beyond what they normally do for 1. The state I live in simply shuts down every 10 mins, 2. Unemployment ran out and 3. at the time of my asking for the special permission my entire family actually had XXXX. 

Thank God my request was approved on XX/XX/XXXX, I get a call today saying it was NEVER approved and I'm now late and they will be reporting it to my credit and would hear NOTHING!!!! 

How is this legal? and during such a trying time in this country? 

Not to mention I believe our Gov in CT put an order that all installment loans and Mortgages are suspended while we are on this phase.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent a letter out on XX/XX/XXXX, XXXX here is my tracking number XXXX XXXX XXXX, Experian # XXXX, XXXX XXXX XXXX. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 15 USC 1681 Section 602 A states I have the right to privacy. Also, according to 15 USC 6802, No Financial Institution is not supposed to share my information with XXXX XXXX 


This s a clear violation of my Federally Protected Consumer Rights.
Consumer complaint received 2020-07-18
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. (MN)

Chase will you send me a copy of your Companies legal compliance procedures as to how you are suppose to legally note a credit report after conducting a proper investigation I know you failed to enter the remarks after reviewing the FTC website and The FDCPA youre marks should read consumer dispute meets FCRA requirements. 

If you look at Equifax report they entered the note correctly for their company policy and their company purpose only I open a dispute with them they noted the account consumer dispute reinvestigation in progress This does not apply to you I have to give Equifax credit for following the law and doing whats right! 
XXXX XXXX DO NOT show that any investigation have every been conducted by your company remove this for fcra violation The law requires you to enter consumer dispute meets FCRA requirements with in 30 days of a complete investigation send me proof that you fail to follow FDCPA which automatically put you in violation delete today
Consumer complaint received 2019-03-09
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: BB&T CORPORATION (TN)

BBT XXXX pulled my credit 3 times without authorization for 2 of them. Only applied one time. I got back to them but they don't want to fellow up. 

XXXX XXXX pulled my credit without any authorisation I don't even apply any of their services.
Consumer complaint received 2022-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (UT)

I canceled my card due to fraud ( a reacuring charge I never authorized and Amex was unable to stop it ) and 7 months later I got a bill for {$200.00}. That is complete junk. Great way to take advantage of XXXX veterans.
Consumer complaint received 2020-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

To Whom It May Concern : My complaint is with Bank Of America ( BOFA ) Mortgage Servicing. I have a conventional mortgage with BOFA. In XXXX I successfully had my property taxes reduced {$4200.00} per year. The judgement went into affect on XX/XX/XXXX ( see attached documentation ). On XX/XX/XXXX, I faxed the attached request for my property tax escrow to be reviewed to BOFA. I used the fax number that was provided to me by BOFA via online customer service ( XXXX ). In mid XXXX I received a revised escrow analysis that actually had my monthly payment going up from {$4000.00} to {$4000.00} per month. Since this did not make sense to me, I have tried to contact BOFA numerous times of the last couple weeks before my increased payment goes into affect on XX/XX/XXXX. After probably 3 hours on hold XXXX no joke ) and talking to multiple people, I finally found my way to XXXX XXXX who told me the fax number I was provided has not been monitored for 2 years. On XX/XX/XXXX I emailed the attached fax ( that went to unmonitored number ) to XXXX and was told it would be resolved that day and she would call me back. It is now XX/XX/XXXX and I have not heard back from XXXX despite my attempts to contact her over email. 

BOFA Contacts : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 's manager ) - XXXX CFPB, I believe this behavior by BOFA is unacceptable and seek any help you can provide.
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (SC)

Santander consumer financed a vehicle for me in XXXX of 2014. For one they didnt ask for paystubs to see if you g I could really afford the car they just gave me a certificate to go to the dealer and pick out the car. I have paid Sandtander almost 15000.00 in interest and still owe them almost everything I owed when I got the car. I was taken advantage of by Santander from day one and they still want another ther XXXX for a car thats only worth XXXX. I want this loan settled and closed and I want my title ASAP! I did receive the letter advising that they owe me money but I want my title also. If they dont fix this situation ASAP they are going to hear from my attorney and I will also report them to my local news station.
Consumer complaint received 2020-12-04
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: EQUIFAX, INC. (MN)

I do not recognize ANY of these inquiries on my credit report. 
Creditor : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXXInquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2020-10-28
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. (GA)

I checked my credit report last month and noticed these unauthorized/unverified inquiries and account on my credit report. I have called Experian of these fraudulent activities and demand they be removed from my credit report. 

The account is not verifiable and doesnt match with other bureaus reports! 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Experian XXXX XXXX XXXX  XXXX  Personal Loan Companies XX/XX/2020 Experian XXXX XXXX XXXX XXXX XXXX, Used XX/XX/2020 Experian XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-18
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)

Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Hello, I am inquiring about the XX/XX/XXXX missed payment on the Band of America Auto Loan. I scheduled an auto-pay on the Bank of America App and the app did not schedule the payment on XX/XX/XXXX to the Auto-loan. I spoke with Bank Of America and was told it may possibly be a systematic error that has occurred, but they have not changed the false record of the missed payment.
Consumer complaint received 2020-07-18
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. (FL)

Please Help me with this situation. Someone has gotten hold of my Identity I Had to shut all of my Bank accounts Down Due to fraud I also notice that my Credit files Has accounts that I did Not Authorize i never open any of these Accounts This Is All due to Fraud
Consumer complaint received 2017-09-22
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. (FL)

I do n't understand why I keep having problem with this company and my credit report. On XXXX/XXXX/XXXX XXXX bank did another inquiry on my account. I have a new inquiry now on Experian and XXXX. I really with this company leave me alone.
Consumer complaint received 2021-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (CA)

During the month of XX/XX/XXXX I had several bouts of XXXX XXXX, uncontrolable XXXX of XXXX, XXXX, etc. I visited my XXXX, XXXX XXXX XXXX. On two seperate ocasions he gave me XXXX XXXX bottles to fill and then sent them to a company called XXXX for analysis. XXXX subsequently told me that XXXX XXXX XXXX  work orders had been miss-coded, to the effect that the XXXX XXXX were identified as being part of a rutine XXXX XXXX XXXX. Thus, XXXX refused reimbursement for these analysis. 

XXXX XXXX  normal modus operandi is to have the patient sign an agreement to pay XXXX for any analysis that has not been paid for by another party. Since i did not take the XXXX XXXX to XXXX in person, I did not sign any such agreement. 

Sunsequently XXXX XXXX corrected the work order coding and sent said revised paper work to XXXX. XXXX then sent me a letter sataing that they had recieved XXXX XXXX corrected work orders, but that they would not resubmit a new request for payment to XXXX. They directed me to pay them up front and then attempt to get reimbursement from XXXX. Since I had never agreed to pay XXXX for any third parties mistaken actions or ommisions, I refused to pay. XXXX then turned their attempt to collect a debt that I do not owe them to a debt collection Company, Credit Collection Services ( CCC ). 

On XX/XX/XXXX CCC wrote me a dun letter. Upon recipt of said letter I called CCC, and in a recorded conservation I explained that they were attempting to collect a debt that I did not owe. I explained to them in detail be facts and circumstances that led to their client 's, ( XXXX ), false claim that I owed a debt. 

Since then CCC has writted two additional letters threatening to ruin my credit if I did not pay XXXX. 

XXXX - Debt Collection Division XXXX XXXX XXXX XXXX, NC XXXX CCC XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (GA)

I use to have a mortgage with this company, but they were completely paid off in XXXX. They keep reporting to my XXXX, XXXX, and XXXX credit report as an open account even though it is an closed & paid in full account. They are ruining XXXX XXXX and I have talked to credit and this servicer with no type of resolution. At this point, they are blantly and with intent to ruin my credit and will not report to all three credit bureus that his account is closed as of XXXX. Also, they are reporting each month to my credit report as late.
Consumer complaint received 2021-02-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion says it has investigated the below dispute. XXXX says they charged-off XXXX on my credit report. This was a secured credit card of XXXX that they retained. Unknown and not communicated to me was the XXXX fee that they said I owed. After finding this out the fee was paid. This has been going on since XXXX. XXXX  will not return my calls. 

Please help, Thanks, XXXX XXXX Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Details Account Details Payment Status Account Number XXXX**** Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type revolving Loan Type SECURED CREDIT CARD Balance {$0.00} Original Amount {$1100.00} Original Charge-off {$1100.00} Credit Limit {$1000.00}
Consumer complaint received 2019-03-09
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. (FL)

Equifax is reporting false information on my credit file. I have tried to fix this issue and Equifax is not responding to my requests or in a timely manner. Equifax is the only agency reporting that I have a collection account from a company I never had any contracts with and this collection is in somebody else 's name. The collection agency never gave me 30 days notice that they were placing " this person '' into collections under my credit report. Equifax needs to remove this item it is not mine. I reported this to Equifax as fraud and they have done nothing but false report.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hi XX/XX/XXXX;XX/XX/XXXX ; and TransUnion ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in our dates [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshoot attached :