davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (PA)

Army/Airforce Exchange XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On XX/XX/XXXX I had obtained my free annual credit report to review the information. I had seen that my account for this line of credit ( XXXX XXXX ) shows it was delinquent for these three months. It should have cleared out no later than XX/XX/XXXX. The reason behind this is because it was a requirement upon exiting the Military to pay off any debts that were owed- this included the XXXX XXXX It was paid off and was negatively reflected in my credit report as having 3 delinquent months which should not be. I do have my release documentation that shows when I was honorably discharged and I have documentation with a signature stating that I owed nothing to the military and was able to process out.
Consumer complaint received 2018-10-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/2018 I requested a paper check be issued for {$200.00} to my father XXXX XXXX XXXX from my prepaid American Express Serve card. The company issued a check for said amount and indicatedd my father would receive the check within 3 days. XX/XX/2018. The check never arrived and has never been cashed. I filed a request for a stop payment on the check but, yesterday I received an automated letter that they can not issue a stop payment on an ach transfer. The transfer was not ACH since I never provided an account number or routing number for my father, it was supposed to be a paper check which is clearly indicated when you log on to their website. I called today and they say that they need further investigation and will not have any information until XX/XX/2018. I have made several attempts calling the company but they are unwilling or unable to credit the missing {$200.00} back to my Serve Card.  I was told yesterday that the stop payment would be issued and today XX/XX/2018 the {$200.00} would be available for use. Today I call and they again mis inform me that I must wait until XX/XX/2018 for them to complete an investigation into their own deceptive practices and I fear that I will once again simply receive a form letter refusing to stop payment and keep my money. Please help.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

We have a mortgage with SunTrust ( now Truist ). 
Beginning in XX/XX/2020, we participated in the COVID relief program which provided us with a limited forbearance opportunity.

Through the program, we were allowed to postpone our mortgage payment for three months. 
At the end of XX/XX/2020, we contacted SunTrust and officially ended our deferral program. 
We resumed making our bi-monthly payments at the beginning of XX/XX/2020. 
Our on-line records show that we have been making those payments since XXXX however none of those payments have been going towards our mortgage. Our current statements show that we are thousands of dollars in delinquency. 
We have called and emailed our loan agent at SunTrust many times but have never received a reply from her. We have only been able to have discussions with front-line agents who can not give us any useful information. 
We have NO idea where that money is going and we have continued to be in 'delinquency ' for several months - prohibiting us to refinance and purchase another property. 
The fact that no one has helped us is absolutely unacceptable and we question the legality of all this.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX XXXX XXXX pulled a hard inquiry on my credit, I never authorized, nor have knowledge of this company. I contacted them, but they never answer. 
On XXXX XXXX Capital One Bank pulled a hard inquiry on my credit, I never authorized, nor have knowledge of this issue. 
I contacted Customer Service, But Your Customer Service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Bank of America services my mortgage. I entered into a forbearance program at the beginning of the pandemic. Since then it has been impossible to get accurate information about my loan online or over the phone. I sent multiple payments in that were not correctly credited to my account. I continue to see inaccuracies on my monthly statements. As of this month, I noticed a 100 point drop of my FICO score. I pulled copies of my credit report from all 3 agencies. Until this month, I've had zero negative remarks on my reports. Bank of America has been reporting to the agencies although they have said that because I had gone through bankruptcy they were not reporting on my account. I'm not sure how long they have been reporting but the representatives that I have communicated with have always told me that they do not report my account because of my bankruptcy. I have contacted the bank and they have given me a reference number.
Consumer complaint received 2021-12-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

Having problem paying mortgage due to XXXX. I have reached out multiple times to finance company ( XXXX ) over a 3 week period and hold time exceed 2 hours. Once I finally get someone on the phone I am transferred to another department that does not answer. The phone just rings continually. I asked for a number to XXXX XXXX XXXX and was given a phone number ( XXXX ) and calls goes to voice mailbox that states the mailbox is full. I am in need of immediate assistance and desperately need help.
Consumer complaint received 2020-12-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX transfer of XXXX dls to number XXXX, name XXXX XXXX, he was an impostor saying that he worked for XXXX, because I dialed the supposedly eBay number to talk to a representative and because I just got authorized for a new XXXX credit card he said he needed me to send money to link my bank account to XXXX, the number I dialed was XXXX, the last name of employee was XXXX and he gave me employee ID XXXX, that when XXXX contacted me they said they employee ID, are all numbers, hope you can assist me with this situation I have screenshots of the transactions if needed, thanks XXXX XXXX XXXX
Consumer complaint received 2018-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (GA)

My complaint is about a payment I made that was not recieved by credit card company XXXX XXXX  on XX/XX/2018 I made payment online that was comfirmed by XXXX XXXX XXXX web site, that the payment went through and would be process ,30 days later I discover to my surprise that I had been reported to the credit bureaus by XXXX XXXX for late or never received payment.My payment was never received by XXXX XXXX  although i made payment on their web site when i called XXXX XXXX they told me if i tried to make a payment on line using a cell phone that the payments or not received that way and that i must first download a certain app to pay from my cell phone, I had no information about this needing to download an app before hand, XXXX XXXX didnt inform me that i couldnt pay this way nor did their website explain anything about needing to download an app to pay when using a cell phone.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AE)

XXXX XX/XX/2023 USAA took XXXX ( which was a provisional temporary credit ) from my Checking Account after the end of a dispute in favor of the merchant XXXX. 

I called in and had USAA re-open the dispute. 

On XXXX XXXX 2023, I received a letter from USAA stating that the dispute was in my favor and that I should keep the provisional credit as it is now permanent. 

On XXXX, XXXX and XXXX XX/XX/2023 I've called multiple times to find out when I will receive my money which was taken back in XXXX. 

Each employee I've spoken with has failed to give me a direct answer and act as if they are attempting to open another dispute or telling me to call back tomorrow. 

I am asking direct questions but getting " used car salesman answers '' in which they attempt to go back into what type of dispute or re-open the dispute. 

I want my money back that was taken and thats it.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Hunt & Henriques (CA)

I am requesting to have the negative impact of a revolving account removed from my credit report. I settled this debt prior to it being seen by the court, and expected the judgement to be completely vacated. I am requesting relief as per the following circumstances... 

This account was charged off and settled. Upon waiting for an update on my credit reports, I became aware of the negative impact this account has had on my credit report, which is very concerning to me. 

In XX/XX/XXXX, I enrolled in a debt relief program with a company called XXXX XXXX. Their program was intended to help consolidate my debt and expedite my path toward returning to the XXXX credit score I'd had, and becoming debt-free. Unfortunately, I was misled. I was not informed that this company would deliberately allow my accounts to become delinquent in order to negotiate settlements with my creditors. This action severely damaged my otherwise strong credit profile. XXXX XXXX also implemented a Power of Attorney over my finances, assuming control over all communications with my creditors. 

As a result, I was disconnected from any direct communication with the company and my other creditors for over a year. This has had a profound and damaging effect on my credit profile and score. After realizing the detrimental impact of my relationship with XXXX XXXX, I terminated my involvement with them in XX/XX/XXXX. Despite their promises, they failed to act in my best interest, continuing to collect payments from me while not making payments to my creditors as agreed. 

I was discouraged by XXXX XXXX from communicating directly with my creditors or considering alternative options they may have been able to offer. I now understand that this was not in my best financial interest. Given the circumstances, I am hoping to explore potential options to address this situation and possibly correct the negative reporting on my credit profile. I am committed to working with you to find a resolution that benefits both parties. 

Thank you for your time and consideration of this request. I look forward to hearing from you and working together to resolve this matter.
Consumer complaint received 2023-03-21
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: FC HoldCo LLC (TX)

I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase. 

In accordance with the Fair Credit Reporting act Flagship credit acceptance account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my Written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account from my credit file.
Consumer complaint received 2020-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (TX)

Notice for Proof of Claim Account : SEQUIUM ASSET SOLUTIONS , LLC BAL {$7300.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Consumer complaint received 2018-07-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Douglas, Chancellor, Meyers and Associates, LLC (IL)

On XX/XX/2018 I received an email from XXXX XXXX stating an account was added to my credit report in collections by Douglas Chancellor Meyer for the amount of {$520.00} and the open date is XX/XX/2018. The original creditor XXXX XXXX XXXX is not even on my credit report. I have not applied for any loans in years nor is there a hard inquiry for the loan.
Consumer complaint received 2018-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MN)

For the past month I receive a robo call every evening between XXXX and XXXX. I have recordings of it. XXXX XXXX XXXX. For a few weeks the call came from XXXX. Lately it's from XXXX. Last night it came from XXXX. It's 27 seconds in length. It instructs me to call XXXX. 

I have no debts. I owe no one. I am XXXX and retired. 

I am on the Do Not Call. I am tired of getting this call every day. I have exceeded my blocking capacity.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On or about XX/XX/XXXX I wrote and mailed equifax a letter to dispute inquiries on my credit report that do not belong to me. On XX/XX/XXXX I filed a dispute for the same issue online. Equifax refused to remove the inquiries and corresponded back to me via mail issuing a letter that doesn't belong to me. The person 's name is a XXXX XXXX. I have over the course of the last three months have mailed Equifax my drivers license and social security card three or four times and Equifax continues to correspond to me with another person 's name. They have also not began to process the dispute letter I mailed on XX/XX/XXXX. 

This is the third complaint for this issue that Equifax has failed to resolve. Equifax also continued to send mail correspondence in a name of XXXX XXXX which is not my name.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (CO)

I am disputing a collection from XXXX XXXX XXXX that appeared on my credit report in XXXX, XXXX. The collection agency is Helvey and Associates. 

The collection relates to the energy utility bill on a home that was owned by my ex-wife XXXX XXXX at XXXX XXXX XXXX, XXXX, NC XXXX. ( XXXX XXXX XXXX XXXX in amount of {$550.00} ). She purchased this home individually in XX/XX/XXXX and sold it in XX/XX/XXXX. We are divorced and separated in XX/XX/XXXX, and I moved out. Apparently this account became in arrears in XXXX of XXXX at the start of the COVID pandemic. XXXX moved to XXXX, Colorado in XXXX of XXXX and bought a home at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. She called XXXX XXXX to turn off the energy at her home and gave XXXX XXXX XXXX XXXX as the forwarding address ( please note, I have never lived at XXXX XXXX XXXX XXXX- I moved to XXXX XXXX XXXX XXXX XXXX, CO XXXX in XX/XX/XXXX ). I was not aware a ) that I was a responsible party to this account and b ) that the account was delinquent. The final bill was mailed to an address that I have never lived at. I discovered this bill existed when a collection showed up on my credit report. Apparently, the notice of collection from Helvey and Associates was also sent to XXXX XXXX XXXX XXXX. 

When I became aware of this collection, I informed XXXX and she called XXXX XXXX and made payment directly to them from her checking account ( please see her email regarding this ). 

I was not responsible for paying the utility bill per the explicit terms of our executed Amended Cohabitation Agreement, a signed copy of which is included with this dispute for your review : See, specifically, XXXX XXXX Each of us shall be solely responsible for his or her separate debt, and shall indemnify and hold the other of us harmless with regard to such debt... Separate debt shall also include debt incurred with respect to only that partys separate property. 

I believe this collection should be deleted from my credit report. It was 1 ) promptly paid when I became aware it existed 2 ) at least in part stemmed from unprecedented disruption during a global pandemic and 3 ) was connected to a home I did not own and was per the explicit language of a court order not my legal responsibility. I am a practicing XXXX XXXX XXXX and have an otherwise impeccable credit history that spans over 18 year. There is not even a late payment on my credit report, let alone another collection. I am a responsible borrower and this collection is an aberrancy. It is, however, making it extremely difficult for me to qualify for a mortgage as I am trying to purchase a home to live in with my XXXX  children. 

XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.