davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (FL)

I had a reverse mortgage with American Advisors Group in XXXX, but they sold the account to another company, on XX/XX/XXXX, I received from them telling me the amount of the equity that I have on the house and I want to redo the loan, so I contacted them, but I told them that I want to do a conventional loan this time, they assigned the loan to someone named : XXXX XXXX XXXX and his licenced ID is XXXX they phone number is XXXX, he never talked to me about the loan I always be the one who called him to find out about the loan after I called him over and overabout the loan, he told me it was his manager who was on the loan and would processed the loan, I waited and waited, his manager has ever called me nor anyone else then I called XXXX XXXX again, thent he told me that loan was assigned to someone called XXXX, in the two week frame, I received a disclosure paper to sign which I did and returned to her, and never heard anything from her, I waited and waited, called and called, left a message and message to her, still no response from her, after I wait so long with no response, I called the customer service department explaining the situation asked to talk to Mr.XXXX manager and the customer service department representative told me that she would email him regarding the matter, he never called me nor emailed me regarding the situation, but after several weeks, I received a voice mail by someone called XXXX telling me that she is on the loan and she just wanted to introduce herself to me and she wanted me to call her which I did, when I talked to her she seems to be nice and we had nice chat, she told that she was sorry but she would review everything and in the couple day she would call me, she never did but every two weeks I have called her and any time I call her, she told me the same thing by saying in the couple day I would called you she never did, I called her four separate time two weeks apart frame, she kept saying the same thing, I am really tired of it, that cause a great harm because if they told me they could not do it, I could contact another company, even now I know what is going on, it has been six month since this transaction started andit is on that, I am filing this complaint today
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY (FL)

A credit card company, take a payment XX/XX/2019, on my account ending in XXXX.and never sent a paid statement for that month and never up dated that account with the credit bureau 's when I called and ask why, the only information given was no we did not send and up date for may XX/XX/2019.this is  missing information that should be in my credit reports this is so wrong, for me to pay my account and get no credit for it.and no statement to show I paid, my bank is the only place that shows this payment.
Consumer complaint received 2017-08-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

My Wells Fargo Mortgage number is XXXX and my name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA. In XXXX 2017, I applied for a credit card with Wells Fargo online and was told I would be receiving a letter by mail with the decision. On XXXX XXXX, 2017 I received a letter stating my application was denied because my well Fargo mortgage was foreclosed. Yes, I do have a Wells Fargo mortgage but I have never been In Forecloser or faced for closer. I can be reached at XXXX or by email XXXXXXXXXXXX Thanks
Consumer complaint received 2018-07-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (MA)

Date XX/XX/2018 XXXX Recieved another phone call requesting that a person, I do not know, call back for a debit collection action. Person looked for is " XXXX XXXX '' I called back the number. And informed them of the improper name, etc. & when I told the representative I was forwarding complaint to you he basically blew me off, told me to do whatever. 

This is the 4th or 5th time that I have called & tried to be reasonable with the company. To no avail. 

Please stop the calls to my home XXXX XXXX XXXX Home
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

Failure to honor US currency. I attempted to deposit a number of coins into my Harris Bank checking account. The clerk and bank manager stated they would not accept coins unless there were first rolled and refused to take my coins as a deposit. My wife works for a XXXX XXXX XXXX and does lose coin deposits all the time without rolling coins. A bank refusal to accept US loss coin currency from the public ( but does so for business ) is a direct violation of Federal Banking  law.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TX)

I completed a balance transfer from   XXXX   XXXX   to Barclays when the payment was sent to Barclays the funds were applied to another account, after sending in a copy of the cancelled check both front and back and multiple calls to the credit card company this issue is yet to be resolved
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am writing to advise of an ongoing discrepancy on my 3 credit bureau reports ( XXXX, Equifax and XXXX ) caused by XXXX/ XXXX XXXXXXXX ( formerly known as XXXX XXXX ). They are currently reporting an account and  associated loans as a profit and loss write-off, with the current balances due. This account/loans were for Private Student Loans, which are unsecured loans and not federally funded. Their website indicates that the first payment was due on XX/XX/XXXX and no payments were ever received. As you are aware, there was no grace period on these private student loan. I have made multiple requests, over the past several years, for copies of any promissory notes and/or contracts bearing my handwritten signature, but none have been provided to date. Given these facts, I assert that XXXX/XXXX XXXX ( formerly XXXX XXXX ) is currently in violation of the FCRA as described below : Per FCRA 605.  Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

The 7-year +180 day period which is allowed under FCRA began on XX/XX/XXXX and has since expired on XX/XX/XXXX. Regardless of XXXX 's choice to officially charge off the account/loans at a later date, my protection under this rule should not change. I therefore requested that the account and all associated loans be deleted from my credit report with all three credit bureaus ( XXXX, Equifax and XXXX ) IMMEDIATELY, with written confirmation sent within 30 days. I also request that XXXX ( formerly known as XXXX XXXX ) and its assignees refrain from any and all collection activities including credit reporting at a later date. Failure to remove these accounts constitutes a violation of the FCRA.
Consumer complaint received 2019-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy : Bankruptcy XXXX ;
Consumer complaint received 2018-06-01
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. (TX)

These credit inquiries listed below are not mines. 

XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BYMAILONLY XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX BYMAILONLY XXXX XXXX XX/XX/XXXX XX/XX/XXXX Tenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX/XXXX   XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made my payment on time using the Bank of America phone pay system. 

I entered the correct bank information routing and account numbers. 

There was a problem with the account number when Bank of America presented the payment to my bank XXXX. There were to many zeros ( XXXX ) in the bank account number therefore payment was returned. 

I was never notified by either Bank of America ( credit card ) or XXXX ( payment bank ) Bank of America reported this payment 30 days late.
Consumer complaint received 2020-04-22
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)

In the month of XX/XX/2020, I discovered that there was fraudulent information/accounts on my personal credit report and I researched how to correct this information to move forward. I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX, XXXX XXXX and Equifax via certified mail with tracking numbers which cost me approximately {$37.00} to do this. XXXX  Certified Tracking Number : XXXX, XXXX XXXX Certified Tracking Number XXXX and Equifax Certified Tracking XXXX. I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. Today, XXXX XXXX makes this well over the 30 day mark and it is now 59 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$110.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OK)

In XX/XX/2022 my two federal student loans transferred from FedLoan Servicing to XXXX. After the two accounts were successfully transferred to XXXX, I paid the loans off in XX/XX/2022. I did reach out to FedLoan on their website to notify them that the loans are still showing on my credit report as an open account with them, but I did not receive a response. 

I have also attempted to dispute the information through XXXX ( via XXXX XXXX XXXX and XXXX through their website. I submitted documents showing the notification I received regarding the transfer as well as the payoff letters I received from XXXX, but the accounts are still showing to be open as of today, XX/XX/2022.
Consumer complaint received 2021-03-03
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I wrote a letter to Regional Acct to provide evidence that a debt reporting on my credit report was incorrect. On XXXX I was divorced from my ex husband, we had two cars, In the divorce decree, the judge ordered I was responsible for one car and my ex husband was financially responsible for the other car. After the divorce his car was deemed by the car company as a charge off and its is reporting on my credit report as my debt. I send letters to all 3 credit bureaus with the divorce document and they respond with just a validation of the debt. I receive a response from Regional acceptance stating that it was my debt because I sign for the Loan but I feel that I am still paying for my car as it was ordered and I should not have to pay for my ex husband car also. I have documentation from the judge to prove the order. I am working very hard to move on with my life and this on my credit report is keeping me from moving forward. I would also like to point out on my credit report the last date of activity and the high balance is reported incorrectly. I would appreciate if you can help me to solve this problem. This is my ex husband debt and base on the divorce decree i am not responsible for this debt. Thanks for all your help and i look forward to your response.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (IN)

I requested a credit line increase to {$2000.00} on XX/XX/2018 through American Express 's Online Credit Line Request System. I then got an email shortly after saying to call for the result of my request. I called after I read the email and was told that my request to increase my credit line to {$2000.00} was approved. I then started to make purchases on my card only to find out my credit line was {$1000.00}. I have made repeated calls to XXXX to find a resolution to their mistake. They keep running me through their phone maze, " disconnected calls '', gaslighting me into believing that conversation never happened and even having the audacity to try to explain to me how the remaining amount on my available credit is smaller than the purchase I'm trying to make. IE 2 is a bigger number than 1. I have the conversation on XX/XX/2018 recorded with their representative explicitly saying I am approved for a {$2000.00} credit line which I have attached to this ticket.
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The issue is with Bank of America ( BOA ) on the APR of 19.74 %. I have a credit score of XXXX according to BOA. I have been a customer since XX/XX/XXXX, and my power reward card issued through BOA has a 8.47 APR according to XXXX customer service representative of BOA on XX/XX/XXXX. I called the company to research the best way close and open accounts to avoid any penalties. I was advised to close my Power rewards card and wait until my Flexible reward card came in because I was unsure that BOA would review my history and give a comparable rate to my Power Rewards card, the APR on the Flexible reward card was 15 % -23 %. XXXX transferred me to XXXX where I asked XXXX when I receive the new Flex card will my XX/XX/XXXX member since be carried through, she said it would. I also asked about 8.47 % APR of old card would be reviewed for the new card. XXXX mentioned to not cancel oPower rewards until Flex card came in and I liked the APR. I spoke with XXXX on XX/XX/XXXX and we opened a new card but did not cancel Powerrewards yet. I received new card XX/XX/XXXX and was dismayed that the APR was 19.74 %, my name middle name was wrong XXXX not XXXX and the cardmember stated XX/XX/XXXX. I called XX/XX/XXXX BOA was not open, I called today XX/XX/XXXX at XXXX presented my problem to XXXX and asked for a manager XXXX. I explained my problem and wrote a complaint up. But offered no solution, I was upset by this.
Consumer complaint received 2021-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (AZ)

This is a Truth In Lending Act ( TILA ) complaint against the Lending Club which is now a XXXX Bank. The complaint arises from a suspicious loan they made on XX/XX/XXXX although the company has refused on numerous occasions to provide information requested about the account ( in violation of federal laws ) I, thorough my own investigation have learned that they made the loan through an e mail account " XXXX '' and collected payments of {$950.00} though XX/XX/XXXX this is a total of {$22000.00} or possibly more ( again, the company has refused to provide detailed information about the account ). While I do not know the original balance of the loan ( again because the company refuses to provide that information ), it would seem that on a personal loan, {$22000.00} is quite a lot of payments and I would be hard pressed to believe that regardless of the suspicious nature of the loan, that it was paid off XXXX Lending Club itself reports that its average loan size is about {$9000.00} XXXX. Nevertheless, after repeated notices to the company, including FTC XXXX theft reports, which is, according to the FTC " all that is needed '' the company continues to report this account to XXXX XXXX, and XXXXn as a " charge off account '' and has through repeated disputes with XXXX XXXX and XXXX  " affirmed that as correct '' -- it is not.
Consumer complaint received 2021-01-21
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. (OR)

XXXX Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred
Consumer complaint received 2021-04-30
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. (NJ)

I submitted a letter to experian regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per experian credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

Thank you.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (FL)

I have a closed account on my report : XXXX XXXX credit {$2300.00} Acct : XXXX I recently inquired about this account with both XXXX XXXX and XXXX XXXX XXXX  XXXX and XXXX  XXXX 

None of these companies were able to assist me. I wrote them deletion letter in XX/XX/2019. Still no response. 

This account that has been closed is affecting my credit report. Due to covid I have to move and look for another job. I would like this negative remark removed from my account. 

Thank you
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (MA)

I have been denied a credit because of in accurate information on my file with XXXX XXXX XXXX   agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called XXXX again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX