davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I am in my XXXX 's and have had credit cards since I turned XXXX. Usually XXXX or XXXX, plus XXXX. Every month of my life I have paid every single credit card bill in full. I do not believe in credit/ debt. I buy cars and houses in cash. I got a Bank of America VISA because they are the XXXX  XXXX partner. From day one, their customer service was so bad that I had to force myself to not cancel. 
A mistake was made in a payment one month ( I made payments by phone and when I called in I would read the bank account # 's over the phone to an agent ). One month, they were entered incorrectly : two digits were switched ( I found this out later when I was on the phone with customer service diagnosing why " payment did not go through '' ). It's not clear whether the agent typed them in wrong or whether I read them out and accidentally flipped two. It was the same bank account I used every single month to pay, but each month they made me provide the info again and their system did not seem to notice the two numbers were flipped. As soon as it was brought to my attention I of course paid the bill in full. as always. But they refused to forgive the interest of about {$1000.00} which had accrued in the interim few weeks between the mistake and the resolution. I never used that cc again. My CFPB complaints and letters to the CEO and Board of Directors went ignored - no one ever engaged or responded. I recently paid them over {$4000.00} ( now with accrued interest ) to make it all go away. They are the worst possible kind of anti-customer culture. Truly shocking.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (NY)

During the covid19 pandemic i was trying to apply for a mortgage forbearance program with my mortgage company.after several attempts by my wife my mortgage company kept giving her the run around.she was informed that since the mortgage was in my name only i would have to call or give permission for her to speak on my behalf which i did at this point we where almost 1 month behind she was told since wr where applying for a forbearance that the 3 months where going to be moved towards the end of our mortgage it wouldn't be a problem then i went to lease a car for my daughter and i was informed that my credit score dropped by 100 points and i checked my XXXX  credit report to find i was marked 2 months behind on my mortgage i imeaditly payed. To bring it current i called freedom mortgage company was told my score would go back to my original score but till this day it hasn't but my main concern is all my credit card companies dropped my credit substantially in a time of a pandemic and state of emergency without any prior notice i please ask that my credit rating be restored and all my available credit be reinstated since i never defaulted or was late with payments.p.s is it even legal i know it wasn't humanly moral thank you in advance XXXX XXXX
Consumer complaint received 2021-09-20
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. (NJ)

Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX - Card Service XXXXXXXX XXXX Card Service XXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian Business Cred - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM
Consumer complaint received 2022-08-12
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. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ( Original Creditor : XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Real Time Group, Inc. (OH)

We purchased a home in XXXX 2006. We had one mortgage on the home, however, over the past 8yrs, we have been receiving calls from collection agencies stating that they were collecting for a second mortgage. The debt has been transferred to different collectors while we have been trying to sell this home without success. We were able to confirm with the first debt collector that this was n't a second mortgage, but then they sold the debt, and now we are back at square one. I was advised file a complaint to take a look into this situation.
Consumer complaint received 2020-05-30
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. (CA)

AS A CONSUMER, I NEED TO UNDERSTAND PLEASE WHY IS NOBODY LISTING TO MY COMPLAINS. THE CLOSED XXXX  XXXX XXXX ACCOUNT. THIS ACCOUNT WAS OPENED, MAINTAINED AND CLOSED BY SOMEONE ELSE WHOM I DON'T RECOGNIZE. I HAVE NOT AUTHORIZED THIS ACCOUNT TO BE OPENED, MAINTAINED. SOMEONE STOLE MY INFORMATION, AND OPENED THE FRAUDULENT ACCOUNT.
Consumer complaint received 2017-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

1. Obtained a loan for a new car in XX/XX/XXXX with XXXX XXXX XXXX. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from XXXX as well for the car ( document attached ) 6. A check was sent to XXXX XXXX in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. OnXX/XX/XXXX the XXXX auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from XXXX thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from XXXX and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from XXXX, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to XXXX between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when XXXX had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. XXXX began to mark my credit report falsely and incorrectly with the Credit Bureau Experian between XX/XX/XXXX and XX/XX/XXXXXXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with XXXX corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that XXXX is not willing to remedy. It is my hope that you will be able to assist.
Consumer complaint received 2020-07-13
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 was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2020-07-13
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2023-01-18
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)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX  XXXX {$400.00} XXXX XXXX {$710.00} XXXX XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$9600.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX {$1900.00}
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT all information which can not be verified. 
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 XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (PA)

In XXXX I received a XXXX Mortgage from XXXX XXXX in XXXX it went to Green Tree LLC which was crazy They lied harassed and tricked me into all kind of stuff at that time I had no idea then it went from Green Tree to Conseco to Green Tree back to Conseco which I thought was odd something happened along the lines because a XXXX mortgage from XXXX, is now still going in XXXX and is only down to XXXX so Im 25 years Ive only paid down the loan XXXX there is something very wrong with this I am owed a lot of money and my house should be paid off
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (VA)

On or around XX/XX/2024, I, natural person, was denied credit by Hyundai Motor Finance when I applied for an auto credit extension. I am aware of my rights as an original creditor and secured party creditor. I am facing financial reputation damages as the inquiries have not been removed despite the company confirming a denial. I am facing mental distress due to the adverse action. I sent certified mail to the company offering reasonable procedures of resolution on XX/XX/2024. The Equal Credit Opportunity Act, Regulation B protects applicants from discrimination in ANY aspect of a credit transaction. 15 U.S.C. 1611 is being violated due to the misinformation told to me. When I spoke to the finance manager at XXXX XXXX XXXX XXXX, I was told a cash down payment would be needed to be considered which violates 15 U.S.C. 1605, 1662. I was also given my credit score they went by at the dealership. I went online and applied again under the circumstances of the credit score they said I had, I was denied again despite my score being above the requirement.
Consumer complaint received 2022-08-12
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. (NM)

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JNR Adjustment Company, Inc (NY)

It has been over a year and I have been in constant contact with XXXX car rental. I was a victim of identity theft and have been receiving a bill for a rental that I did not reserve. I have never done business with XXXX or initiated such action. I have called and sent letters in regards to this bill of {$100.00} that was done fraudulently, in XX/XX/2020. XXXX assured me that it would be handled and now it has been sent to a collection agency. I have good credit and this is affecting me in a very negative way.
Consumer complaint received 2020-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NC)

There is so much to say. Please see attached documents. Thank you for your help. I hope you can help. 

I have been battling this since 2015. The IRS was taking all of my money for 5 years because of the negligence of this school. I hunted down the archive for the school ( letter attached ) so I could get it to the IRS ... They returned my money. I have had enough. This school is causing a lot of students pain. We don't have anyone to fight for us. Please.