davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021 filed a complaint online via Transunion LLC regarding an inaccurate balance on my XXXX XXXX card account as an authorized user. The result, on XX/XX/2021 the account was removed in error by Transunion, LLC resulting in a droppage of my scores on XX/XX/2021 ( please see documents to support my claim ). I immediately telephone Transunion, LLC on XX/XX/2021 to file a telephone dispute. A Transunion representative informed me on XX/XX/2021 to notify XXXX XXXX and get XXXX XXXX to placed the card back on my credit profile. After reviewing my credit profile, both accounts of my XXXX XXXX accounts as an authorized user have been mistakenly removed by Transunion in Error.
Consumer complaint received 2020-10-28
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. (AL)

In XXXX I submitted a complaint about XXXX XXXX posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX  reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the XXXX XXXX debt.
Consumer complaint received 2023-03-23
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: Experian Information Solutions Inc. (PA)

According to the IRS. A canceled debt ( charge off ) is *considered as gross or ordinary income ... a 1099 was issued for this account. * *Income does not get reported to your consumer report. * Making this a violation that the creditor ( XXXX XXXX XXXX  ) acount # XXXX. 
address XXXX XXXX XXXX, XXXX NC XXXX. Since XXXX of this account creditor & all consumer reporting agencies has *violated my rights* reporting this inaccurately account information for more than *3 years* this is unfair to me the consumer. 
And according to 15 USC 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates .... in my case none of the consumer reporting agencies didn't do so.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I 've tried to put a security freeze with Equifax online for the past week. The system tells me it ca n't process my request online and asks me to send in IN THE MAIL the information I have just typed in the form online : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 
For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. Jr., Sr., etc. ), complete address, Social Security number and date of birth. '' I refuse to send such personal information in the mail to Equifax. It just does n't make any sense. I have called their customer service and someone who was not able to help me took down my information and said someone would be calling within 48h. I have not heard from anyone. 
I do n't understand why it was so easy to place a security freeze online with XXXX  and XXXX, and it 's such a hassle with Equifax especially given that it 's their fault we have to deal with all this right now.
Consumer complaint received 2020-12-05
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. (AL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2020-12-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have submitted this complaint three times to CFPB and no action has been taken. All CFPB does i forwards the compliant to the Bank of America who does nothing. I have complained to Bank of America Home Loan many times and they haven't done anything. They have been posing fraudulent transactions on my account to charge excessive interest. I need this to be resolved and I need CFPB to really get involved rather than simply forwarding the request to the bank. I have proof and audit trail of all my transactions.
Consumer complaint received 2020-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted XXXX XXXX  to obtain a mortgage refinance loan on XX/XX/XXXX. I signed an authorization for them to check my credit for that purpose. Based on my credit, the bank offered me a very low interest rate in its initial Loan Estimate. However, after processing my loan they came out with an interest rate that was 2 percentage points higher than the initial rate they had offered me. I declined the loan at that point and told them I was not interested in continuing the refinance. However, the bank went ahead to check my credit two more times without further permission from me. I even complained to them after the second check and ask them not to check my credit again since I was not going to continue with them but they still did a third check on my credit. The additional inquiries greatly affected my credit score such that my credit fell precipitously. This is preventing me from getting approved for credit I would otherwise have been approved for. 

I have contacted Transunion and XXXX  to dispute the additional inquiries of XX/XX/XXXX and XX/XX/XXXX but they referred me to XXXX XXXX. The Bank is not responding to me. 

I need XXXX XXXX  to request removal of the additional inquiries from my credit file.
Consumer complaint received 2023-03-23
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. (NV)

I see that the accounts on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX Balance : {$230.00}
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I.C. System Inc. is INACCURATELY reporting a debt for an account that has been previously SETTLED AND PAID IN FULL with the original creditor. The original Creditor was XXXX - XXXX XXXX. On XX/XX/2020 I sent a debt validation request to IC System Inc. regarding an alleged debt of {$75.00}. On XX/XX/2020 I received a letter from their office with information from the original creditor. Immediately I contacted XXXX XXXX directly and sent payment for {$75.00} via USPS money order dated XX/XX/2020 to XXXX ( original creditor ) : XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/2020 IC System Inc. FALSELY reported to the credit reporting agencies a debt for {$75.00}. They are in serious violation of the FDCPA Section 808 as they DID NOT provide a statement on their written notice which I received on XX/XX/2020 giving me the consumer 30 days to act on the alleged debt. It should be noted that 30 days of RECEIPT of their notice had not yet been met as of XX/XX/2020 the day they FALSELY reported this account to the CRA 's. They also are in violation of the FCRA as they reported the amount owed for this debt was {$75.00} which is INACCURATE. In addition they are attempting a debt during the pandemic which is a violation of the CARES Act specific to New York State.
Consumer complaint received 2017-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My Bank of America Debit Cards were stolen from my vehicle while I was outside of the U.S. My debit cards were in the backpack along with other personal items. Thieves managed to withdraw money from my debit cards in amount of {$39000.00} in total. I contacted BoA ATM Debit Card Fraud Services for assistance and help. Based on their policy Bank of America will credit fraudulent charges made with your card back to your account as soon as the next business day. They told me it will 10 business days to investigate the case. After 12 business days the claim was not paid with no reasoning behind. After long conversations with customer service representative, the answer was that " those transactions were done by me based on the film they have ''. However, it was a complete non sense because I was outside of the U.S. and it is impossible to withdraw money from an ATM within U.S. while I am outside of it.
After, contacting the bank and faxing my travel documents and airport stamps on my passport they decided to reconsider the case. Second refusal for the claim was made based on a reason that I accessed online banking multiple times during the period of those transactions, which isnt true. Hence, I asked for documented proof of IP address login details. The answer was they are not able to provide it. Hence, the case is still being reconsidered. Everytime they are trying to find an excuse not to reimburse my money. Each reconsideration of the claim results in completely different answer. I gave them the police report, my travel stamps on the passport and insurance claim number as a proof of the incident.
Consumer complaint received 2019-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (TX)

My home is located in XXXX Tx, where two counties charge me taxes which equal to {$4800.00} for BOTH counties which are XXXX and XXXX counties. XXXX county sends out a bill that includes both counties on it. Guild mortgage believes for whatever reason that XXXX County is XXXX in taxes and XXXX County is XXXX. I've explained and submitted paperwork for over a month ago showing a breakdown since the house was built of how much taxes are. Guild Mortgage has increased my mortgage payment first from XXXX to XXXX and now they have raised it to XXXX ( all in one the span of a year since I just purchased my home in 2018 ) because they think that my taxes went up to XXXX. I've explained many times, shown proof that homes in this area ( streets ) are not XXXX. They want more paperwork when they should be the ones verifying how the taxes are broken down for this home. None of the neighbors that I've spoken to have had this issue with any of their mortgage companies and they too pay two different counties and get billed the same way. I've called at least ten times and spoken to many people, some who understand the issues and they refuse to transfer me to the tax department and just tell me to email them but I don't get a response other than an automated one.
Consumer complaint received 2021-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX5 U.S. Code 1666b.Timing of payments U.S. Code Notes ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2020-10-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (PA)

Pheaa/American Education Services is claiming that my account is delinquent when I've already made the payment. They claim that if the payment is " processing '', the account is still in a delinquent status. I'm not sure what world Pheaa/AES lives in, but I think they completely misunderstand the concept of what happens when a debt is paid. When you pay a debt, the status is immediately treated as satisfied UNTIL the payment is returned by the bank. The fact that they wait 2-3 business days to " process '' a payment to fulfill their obligations with reporting accurate information is beyond egregious.

There were 2 employees from the company who offended me and I wish for both of them to be terminated indefinitely for their poor treatment of customers over the phone.

One goes by the name of " XXXX '' and the other " XXXX '' Pheaa/AES, let 's say you're 2 days late on the electric bill. The electric company turns off your energy in the building, but someone from your district office calls to make the payment. The electric company says " It will take 2 business days to process your payment BEFORE we are able to turn your electric back on. Sorry! '' I really doubt that happens! Therefore, you should be treating my situation in the same way.

I also have an issue with Pheaa/AES when it comes to 2 way calling. They claim that they record the conversations, but then do not give authorization on their end for me to record the call, but they continue recording the call. I believe that just might be subject to analysis by the state because in Pennsylvania, no party can continue recording the conversation if both parties are not in agreement of the other recording the call. I'm almost positive Pheaa/AES records the calls even after I had agreed not to.
Consumer complaint received 2020-04-27
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: Experian Information Solutions Inc. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2021-10-14
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: Specialized Loan Servicing Holdings LLC (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

For the past few years I have scheduled my Citi Mastercard payment through XXXX auto bill pay on the due date, the XXXX of each month or earlier if it falls on the weekend. I have had no issues until this past XXXX. The payment was sent electronically to them on the XXXX and they Citi claimed they received it on the XXXX and issued me a late fee of {$25.00} which was reversed after I called. I even scheduled on the XXXX of the month and they still received on the XXXX even though it was sent electronically of the XXXX. Apparently this continued for the months of XXXX - XXXX. I was assessed a late fee of {$25.00} for XXXX and {$35.00} for XXXX and XXXX totaling {$95.00}. I brought XXXX XXXX  into to file a complaint and to contact Citi for resolution as their records showed payments sent electronically on the XXXX. We spent over an hour with no resolution and multiple transfers to no one that could assist. They even gave us a different phone number to call that was not even connected to the account.
Consumer complaint received 2020-08-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EAST WEST BANK (CA)

. I recently applied for a no cash out refi owner XXXX with a LTV of 15 % and XXXX XXXX. 
First they send docs for their portfolio program which was not the product I requested. I wanted a fnma 30 year fixed. I am self employed with rentals. My income was MORE than sufficient to support the payment. I would be lowering my payment form {$1600.00} to $ XXXX monthly. I provide more than enough information to qualify. I was actually prequalified by their rep. The underwriting is terrible they do NOT know XXXX XXXX guidelines. The do NOT ask questions if they don't understand something in your file. They are DISCRIMINATORY towards XXXX-XXXX clients. They sent me a denial letter based off an assumption without bothering to ask for for a letter of explanation. The denial letter did not provide the explanation that they provided to my rep. The denial letter was vague. I NEVER received a list of conditions had I done so the issue could have been resolved. The underwriter was wrong in restarts to my ownership of a rental property because she did not understand what a trustees is or various titles in which real estate can be held. Had they asked they would have seen the underwriter was totally incorrect. You do NOT make decisions on a borrowers loan based income off what you think you ask questions. When I offered to correct the underwriter I was told my rate expired and I would need to reapply at the higher rate or apply for their portfolio loan. XXXX their portfolio loan with the higher rate. That's what they were pushing me towards from the beginning.Why would I do that with more than sufficient income and excellent credit and a {$160000.00} loan on a {$620000.00} home. I also have more than enough reserves in my bank accounts.
Consumer complaint received 2020-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc. (TX)

This company only sent me 2 letters of collection. They stated they tried to call me but they did not leave any voice mails. FCS took over my bill from XXXX and XXXX in XXXX of XXXX. They did not tell me I must make {$25.00} a month payments for them NOT to report this an as unpaid collection item on my credit report. I did contact the company in XXXX trying to settle for a lesser amount they would not accept, telling me that was insurance fraud. All this time I made {$20.00} payments each month on or about the XXXX. I have made several attempts to talk to the supervisor XXXX XXXX XXXX, she will not return my calls. My credit score took a 100 point hit. I find there way of business to be shameful. I'm a lender at a bank myself, we do not treat customers this way. Especially when they do try to pay there debts. I have rights under the fair credit reporting act, this was unfair treatment along with unfair reporting. I did tell the company in one call that I could only make the {$20.00} payment due to helping my parents, because they lost some income due to Covid-19. I am a single mom, trying to raise a daughter, pay my bills and help my parents, they should have some leniency through such a difficult financial time as we are facing now.
Consumer complaint received 2019-06-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (GA)

On XX/XX/XXXX I called Titlemax after seeing their commercial stating " Get a title loan with Titlemax. '' I wanted to know how it worked and I was told that my car would be used as collateral so I scheduled a time to come in. I brought in the title to my car and explained I needed a small loan. After they inspected my car and took pictures and sent to the corporate office for approval I was told I was approved for approximately {$3000.00}. I only needed {$500.00} so that was what I borrowed. I was told the due date and amount I would need to pay the following month. So I made the monthly payments and as time went on I was enticed to borrow more and since I'm on Social Security Disability ( SSDI ) I often needed it. The problems began when I actually had to borrow money to pay the current payment. I had no idea or understanding that my payments were actually interest only payments and none of it was going to the principal balance. Once I called and told them my payment would be late because I only get my SSDI once a month they charged me a daily late fee plus additional interest. I once asked if I could change my payment date so it would be close to the time of my SSDI payment so I wouldn't be late on my payments again but I was informed that they could not change the due date. For someone on a fixed income/low income I was drowning in this title loan debt. There were so many fees, interest charges that always got higher and daily late fees that I could no longer understand or keep up with. Rolling over the title loan from month to month and never being able to bring down the balance I actually owed forced me to file chapter XXXX bankruptcy on XX/XX/XXXX as I needed some help with a more manageable payment plan that I could afford to pay based on my income. I would later find out that Titlemax didn't have to participate in bankruptcy proceedings due to a ruling by the US Court of Appeals for the XXXX Circuit Court. I find it appalling that they refuse to negotiate a more reasonable payment plan and would rather repossess my car than get paid even through a Bankruptcy payment plan. I am not trying to get out of paying what I owe but I think a more feasible plan is needed under the circumstances. It would be more cost effective to settle this outside of a bankruptcy court but if Titlemax  is not willing to lower my payments so I can reasonably pay off my loan then I will have no recourse but to fight them in court.