davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was attempting to move a home equity line from one bank to another. I show up at closing alone to find my husband 's name on the documents for signature. I was not told he would need to be there to sign. I did not believe he needed to sign, as he is not on the property title or on the existing loan nor do I live in a community property state and my ownership predates my marriage. Bank of America stated that since Colorado is a homeshead state he still needs to sign the deed of trust. My research on the internet finds that his signature is only required in Colorado if I have filed for homestead exemption, which I have not done. It seems to me that they are denying loans not even knowing current law.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (OH)

I received a letter regarding the reporting of my public record information. There are three items on this report and one of them does not belong to me. The item that does not belong is from XX/XX/05, for a complaint non-criminal. There is no amount associated with it, and the case was apparently disposed. There are several people with the same name as myself, and pulling my information by birth date alone can yield this result.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I requested my XXXX free credit reports online, and since I could n't answer the questions they gave online, I was instructed to fill out a form and mail it in. I got my XXXX and XXXX reports quickly in the mail, but got a letter from Transunion saying that my current address did not match their records. Since I 've been at this address for four years, and have banking and other accounts at this address, that does n't make a lot of sense to me. However, they are asking that I not only provide my driver 's license, which has my current address and should be enough, they are also asking that I provide them copies of another document such as a cancelled check, bank statement, pay stub, etc. Asking me to provide financial information to prove my address makes no sense to me.
Consumer complaint received 2018-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC. (KY)

ABR Recovery Services continually harasses me and places false information on my credit report. 

I previously filed multiple complaints against ABR Recovery Services : Complaints XXXX, XXXX, XXXX. 

ABR Recovery Services claims I owed them a debt that I had already settled and paid with another creditor, XXXX XXXX. I submitted this paperwork directly to ABR Recovery Services and all the major credit reporting agencies in XXXX and XX/XX/XXXX.ABR Recovery Services removed the reporting to the credit bureaus and multiple attempts. 

To my dismay on XX/XX/ I received a credit alert stating I had a new collection account placed on my XXXX  report from ABR Recovery Services. I immediately called XXXX  to dispute this. They have been no help. 

I am tired of being harassed by this company. This is the third time that they have violated my rights under the Fair Credit Reporting Act. 

I demand that they quit reporting false information and remove any reports of the account they have. I believe this company should be served a penalty for continued harassment and cause citizens duress.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Auto Finance company changing loan and payment dates to credit bureaus ( all three ). Loans is over 8 yrs old and was due to drop off report. Finance company changed dates to keep them on m y report for another 2 yrs. Filled complaint with XXXX  to no avail, even though they know this loan originated in XXXX and was due to drop off in XX/XX/XXXXthey are not dropping the loan
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (MA)

Two related complaints : My card was 1 ) improperly declined, I believe, because of a problem in the bank 's system dealing with payments that wasn't adequately disclosed. The bank 's website also displayed incorrect information to me. 

What happened : - I set up auto-pay - Unbeknownst to me autopay needs a full billing cycle to work, so after setting it up, the next payment won't be made. 
- This wasn't adequately disclosed. In fact, the dashboard on the website told me autopay was set up next to the statement balance so I didn't worry about it. 
- The payment reminder email didn't say anything about this autopay delay - The due date past and I was charged a late fee ( {$27.00} ) - I called Barclaycard and set up a payment over the phone and they waived my late fee - A few days later, on XX/XX/XXXX I received an email that my payment was received.

- On XX/XX/XXXX my card was declined, even though I paid on time for a normal transaction under {$15.00} at a cafe. I think they declined it because their system thought I hadn't paid. It was embarrassing.
Consumer complaint received 2020-07-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

For account ending in XXXX. Last for of the card is XXXX. XXXX  sent an incorrect statement to XXXX XXXX about my application being a fraud account when I did not report that. XXXX XXXX closed my account after that. I have been working with them to reopen my account. They are stating they are waiting for XXXX  and Transunion to put it back on my credit report. It is currently showing on my XXXX  report. This has been ongoing since XXXX and it is now XXXX. 

I'm unable to use my card and this has stressed me out completely. I called XXXX XXXX on XX/XX/12 to make a payment and XXXX told me I could not make one. It was reporting to Experian as past due when I couldn't make payments and did not know it was showing as past due as my account wasn't viewable online and I'm not getting statements because my statesment are online only but I can't change that due to no online access. I only knew because I got a " friendly reminder '' in the mail stating I was 2 payments behind. I want this corrected. Do I have to obtain an attorney to get this fixed on my credit report?
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX new accounts were reported opened under my name by TransUnion as follows : XXXX ( Acct # XXXX ) and XXXX XXXX ( Acct # XXXX XXXX XXXX ). These accounts do not belong to me. I did not open these accounts. 
I was reported delinquent on another account from XXXX XXXX ( Acct # XXXX XXXX XXXX ) on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. This account does not belong to me. I did not open this account.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. ()

Good Afternoon, I would like to let you know that for some reason my JPMorgan Chase Bank ( https : //www.chase.com ) Slate XXXX  credit score graph ( few months record ) was lost as of XX/XX/2016 or sometime earlier. Please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on XX/XX/2016 from JPMorgan Chase Bank secure message center : I would like to share that graph tracks XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX scores. Also, please see following message from JPMorgan Chase Bank representative XXXX XXXX ( Chase Card Services ) on  XX/XX/2016 from JPMorgan Chase Bank secure message center : Let me share that we have replied to you on XX/XX/2016 at XXXX XXXX  EST. As per you earlier email, we have shared that graph tracks the XXXX  Score each month, starting with first month customer enrolls into Chase Slate Credit Dashboard. Graph history will be lost if you unenrolls from XXXX  scores. Would you know why I had to enroll on XX/XX/2016 in to JPMorgan Chase Bank Slate XXXX credit score option for second time in order to see my JPMorgan Chase Bank Slate XXXX credit score? I  remember enrolling in to JPMorgan Chase Bank Slate XXXX credit score option account ending XXXX shortly after I opened my credit card account with JPMorgan Chase Bank Slate account ending XXXX. Originally, I was able to see my XXXX credit progress graph on my JPMorgan Chase Bank Slate account for few months. However, when I enrolled XX/XX/2016 for second time JPMorgan Chase Bank Slate XXXX credit progress graph disappeared and it showed only JPMorgan Chase Bank Slate XXXX credit score for one month, which was XX/XX/2016. As of XX/XX/2016 my credit score according to JPMorgan Chase Bank Slate XXXX score was XXXX. I do not recall that I would ever have cancelled JPMorgan Chase Bank Slate XXXX credit score option in the past. My internet service provider XXXX account number was XXXX. Attached please see 12 documents. Please let me know if you have any questions. Sincerely, XXXX XXXX
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked for a specific XXXX XXXX account to be deleted from my credit profile but instead Transunion deleted all of my XXXX XXXX accounts. So i 'm now requesting Transunion to reinsert only the XXXX XXXX accounts that i list. Here are the exact XXXX XXXX accounts to be reinserted. 
1. XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX Bank XXXX XXXXAccount # XXXX Thank you!
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (GA)

I am unaware of this debt, at no point in time was I given the oppurtnity to dispute OR resolve this debt before it was placed on my consumer report which is my right as a consumer & a violation according to 12CFR1006.34 ( c ) ( 4 ) ( i ) in the FCRA . I also received no proper notification ; if in fact if you believe I received proper notifaction of this debt please provide the certified mail receipet baring my signature stating that I received it. This collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR1006.34 ( d ) & 15 USC 1681-S 2 ( 7 ) ( A ). This collection agency is violating my rights by using false misleading, misrepresentation and deceptive means. I want this account removed immediately due to all of the violations or I will be seeking litigation to further this matter.
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received a notice regarding an escrow short fall. In that notice I was advised that if I sent a check to cover the short fall my payment would remain unchanged. The notice did not allow for any other payment method other than to send a check via USPS XXXX XXXX XXXX - I sent a check for the short fall which cleared 2 weeks later My mortgage amount changed anyway by an amount less than {$10.00}. The automatic payment is still unapplied. 

XX/XX/XXXXAfter receiving numerous calls from Fifth Third with no response when I answer, I called and after being bounced around to several departments and spending over an hour on the phone, I was told there was a short fall of {$6.00} and if I made the payment there was nothing else to do. This amount differed by about a dollar from other communications I had with the bank but was assured that {$6.00} was what I needed to send them to clear up the problem. 

XX/XX/XXXX Payment for {$6.00} appears online and is still unapplied. More harassing phone calls but someone finally answers when they call, I request to speak to a supervisor who assures me that the late charge would be waived once they confirmed the payment was received. 

XX/XX/XXXXSeveral more phone calls from the Bank 's collection department and again, no one responds when I answer the phone. 

XX/XX/XXXXI receive another phone call and after a long wait I speak to someone and request I be sent an email with the exact amount necessary to get the bank to apply payments. They refuse. 

I now have a late charge on my latest statement and since the balance due on the statements has never meant anything in the past, I have no idea how much I really need to send them or what my regular payments should be. 

There is no email or USPS mailing address on the customer service site so there is no way to establish a documented trail of the issues. 

We ran into this sort of problem less than a year ago over {$0.00}. We have spent sever hours on the phone to no avail.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address and phone number XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX All application as not been turn down do to my address not on my credit file I HAVE BEEN LIVING IN THIS ADRESS SINCE XX/XX/XXXX Have enclosed a copy of two bills Please delte this number on my allert its not my number XXXX Please delete the address bellow they are not my address ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX Please correct this phone number on my fraud alert to XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 
XXXX XXXX ss # XXXX dob XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-02
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. (IL)

XXXX, XXXX XXXX, Experian, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, XXXX, experian, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report
Consumer complaint received 2018-06-11
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: Systematic National Collection, Inc. (NV)

I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX has a XXXX number and is easily able to be reached while XXXX is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my XXXX file such as Sustematic collections it goes on my XXXX report. I am noticing this through XXXX XXXX because I dont have access to anything at XXXX. This is MY information. I also filed for bankruptcy XX/XX/2018, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/2018. I talked to a XXXX official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. XXXX should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.
Consumer complaint received 2024-05-07
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One Auto Finance is reporting a balance of {$33000.00} on my credit report. The vehicle was repossessed a few months ago and sold at auction. When I received my statement it showed impound charges of {$7200.00} XXXX notified them that my vehicle was never impounded and I was never contacted in regards to an impound. They did not investigate this at all as of today my credit report stated that the balance is XXXX which XXXX of fraudulent impounds fees are included in this total. Plus the balance was updated after the vehicle was sold. This has caused me a lot of stress and XXXX. I know that it is illegal to report inaccurate information on someone's credit report.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CO)

Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers XXXX XXXX for payments missed during an approved forbearance period. This has affected my credit scores.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH TRANSUNION ON XX/XX/XXXX AND XX/XX/XXXX they fail to respond back as they continue to report items that does not belong to me
Consumer complaint received 2016-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have XXXX accounts on my credit report. I was never notified of debt prior to posting to credit report. I have filed complaints against both company 's. XXXX XXXX and XXXX should be deleted to my credit report.
Consumer complaint received 2022-04-01
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.