davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

LexisNexis Consumer Center XXXX XXXX XXXX XXXX, XXXX  XXXX Submitted erroneous information about my credit to my Homeowners Insurance with XXXX XXXX XXXX XXXX increased my insurance by {$760.00} because of erroneous info. I sent a letter to LexisNexis four months ago and never received a reply. This company needs to be shut down. 
NCF Reference # XXXX
Consumer complaint received 2021-06-07
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. (MA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (TX)

XXXX- We paid our loan off, including the property taxes due that year. Round point Mortgage ( RPM ) asked transmitted the data file to core logic the same day to pay the taxes. 

XX/XX/XXXX- I called Roundpoint to ask for my Escrow refund. The stated they already asked their vendor to pay the taxes and to call the county or my title company to sort it out. They also applied an escrow adjustment to my account in the amount of {$2400.00}. Stating I still owed that amount. I called the county and they stated they received my funds from closing to pay it, but XXXX has not transmitted the file to them yet and normally doesn't for at least 2 more weeks. At that point they would decline the transaction and I would need to get the funds from my mortgage company. I called Round Point back, and asked them to call their vendor, XXXX and verify the date they send the funds and to cancel my payment. They said they can not do that. Once the file is sent they can not cancel it, even if the data is wrong. 

XXXX I called round point back and spoke to the same person, XXXX XXXX , who alerted me that I would have to pay the {$2400.00} before the XXXX or they would report it to the credit agency. I asked her how, with them owing me {$13000.00} could they report an unpaid debit when the county has been paid. She said they would as they need confirmation from their vendor, not the county of record. I told her to log onto the county website, it shows paid. I gave her the name of the person in charge there and her phone number to call for verification. She said she would investigate and call me back. I did not receive a call back the next day or the following day. 

XXXX- I called round point to again ask about my refund. They said their 3rd party has the funds and they have to wait till they " get something back '' about the loan. I asked them to call their vendor, they would not. I asked them to call the county to verify the amount was paid. They would not. 

XX/XX/XXXX- I called the county and verified XXXX had not transmitted the tape with the payments yet and called RPM again and was told XXXX would call me back. Later that day XXXX emailed me advising my options were to pay the shortage amount and when the funds got back to RPM they would reimburse me or to wait for the refund and have my credit report effected. I replied to her email the county tax office does not have the funds and outlined what the county told me was needed to get my funds back. She never replied. 

XXXX- I received a debt collector call from RPM and an email about my mortgage payment XXXX- I called RPM again. The same options were given and I was told there is nothing they can do. They can not call their vendor to ask about the funds and they can not call the county. I asked about the call and they stated I owed the money and would continue to receive calls about the issue.
Consumer complaint received 2020-12-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Ordered a weight bench from XXXX in XXXX, a gift for my XXXX son. Bench did not get delivered. at first XX/XX/XXXX kept delaying the delivery. then eventually it said it was out for delivery but it never came that day and status was switch to delivered. have been going back and forth with XXXX XXXX and my bank. XXXX confirmed that the package was delivered to the wrong address. it was an address on a street called XXXX. XXXX insured me that the package would be retreived but it was never delivered in the upcoming days. I still have not received the weight bench or a refund. 

Recently, XXXX have said that I would be refunded and the refund still have not been put into my account.
Consumer complaint received 2020-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (FL)

I had a Home equity line of credit with National City bank which was purchased by PNC Bank, I opened the account in XXXX, the loan amount was up to XXXX dollars, I paid this account as agreed until I fell ill with XXXX and was in treatment for over 6 years, During this time I was unable to work and was placed on XXXX by my insurance company. WE obtained a modification from PNC and paid the agreed amount although they took the payments, they reported all late because of the delay in obtaining a modification. After a full recovery and my ability to work again starting in XXXX of XXXX, we made payments and eventually paid the balance of XXXX when we sold our home. PNC reported and still reports that this loan was charged off, I never received any type of notification that PNC intended to or did charge this loan off, my first realization was when it showed up on my credit report with XX/XX/XXXX when i applied for a new construction mortgage. I have tried in vain to have this " Charged Off '' notation removed from my credit report, several attempts at PNC and at XX/XX/XXXX. I have attached documents showing my request for pay off and my Letter of " Congratulations '' showing my loan was paid in full with all charges and interest. and a release of lien. I also have attached the closing statement showing the payment to PNC from the proceeds of the sale of our home. I believe they received a tax break from the IRS for this Charge off and they were paid in full for this loan.
Consumer complaint received 2021-10-19
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. (DC)

I first want to say this complaint is NOT from a third part credit repair company. I, XXXX XXXX XXXX, photo ID attached, am the living and breathing woman submitting this complaint to all three major credit bureaus TRANSUNION, XXXX and XXXX. 

I previously sent in my written instructions according to 15 U.S Code 1681b ( 2 ). I have also attached my instructions for my consumer report as it relates to items I want deleted. To further all three credit reporting agencies are in violation of 15 U.S Code 1681a ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. In addition all credit reporting agencies listed are in violation of 15 U.S Code 1681a ( 2 ) ( b ) - ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; To further 15 U.S Code 1681b ( 2 ) has been violated as neither company has fully honored the written instructions of the consumer. In addition the consumer report should not have been shared as there was not permissible purposes such as a court order from a competent court of jurisdiction. I XXXX XXXX XXXX am the original creditor and ALL extensions of credit arise from the use of my social security account, defined under the Truth in Lending act as a CREDIT CARD. Lastly I XXXX XXXX XXXX am submitting this complaint ON MY OWN BEHALF I am seeking that the items listed in each letter be removed per my instructions as the natural person/consumer. I would like the CFPB to enforce the rights of the consumer
Consumer complaint received 2020-12-11
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: CarMax, Inc. (CA)

My grandmother went to get a car around XXXX and she was not approved because of her credit was limited so she asked me to cosign for the car. Unfortunately she XX/XX/XXXXon XXXX of XXXX and we tried to notify the dealership about the problem and they never responded and told me that it was now my problem. They later came to reposes the car without even notifying me or calling me back. Now it popped on my credit report as a repossession and I never even had a chance to make any types of arrangement. I feel like this was handled with complete lack of faith to help from the bank. I even sent them proof
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

HI, I have been disputing this fraud account on my credit reports for years!! I have wrote numerous validation letters to the collection agency through the years & they have no proof this is my account, I explained to them it's not mine, & IM A VICTIM OF FRAUD/Identity theft! I never opened an account in XXXX with capital one & then capital one sold it to Portfolio Recovery Ass. In XXXX! This collection company has violated my rights several times by ignoring my requests & reporting fraud on my credit reports. I have no contract with Portfolio Recovery ( nor XXXX  XXXX  ) & they keep sending a copy of a bill with my name on it, any one can use your info & create an account! It's against the law for a 3rd party collection agency to report on my credit reports with no validating contract & signature, for more than 120 days. I am fed up with this company! I deserve for this fraud to be off my reports asap. I have already filed an identity report with the federal trade commission & they still are illegally reporting this fraud account on my credit report to XXXX XXXX, XXXX has removed it, I appreciate if they remove this fraudulent acct. ASAP It is hurting my credit & I don't deserve this, when it doesn't belong to me! 
THANK YOU!
Consumer complaint received 2020-09-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (VA)

The company allowed the Power Of Attorney for my grandfather to go in, update the signature cards to not include my name on the account titling, and then to take the funds with the reissued signature card. 

The signature card shows XXXX, which is the bank using the Power of Attorney paperwork to make account title changes to the account. The signer XXXX XXXX did not have a proper id, he never bothered once losing his drivers licence for XXXX/XXXX XXXX XXXX. 

The Power of Attorney had no legal authority in the power granted to them to update titling ( customer/account level ) on an account. Since they were unable to properly verify the signer that day, as evident on the signature card, no change could have been made to the titling.
Consumer complaint received 2020-09-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Professional Accounts Service, Inc. (Indiana) (IN)

The company, " Professional Account Services '', XXXX XXXX, contact my employer, XXXX 'XXXX XXXX XXXX on XX/XX/2020. 

He made the company owner, XXXX XXXX, aware of my debt. He further sent information showing that I owed {$260.00} to my place of employment. XXXX called numerous times after I asked him to not contact me at my place of employment. He spoke with my husband, threatened him, and told him that he was " sick of his XXXX attitude ''. 

XXXX is a known criminal with a rap sheet a mile long. He has no business trying to collect debt, and has financial problems of his own. You will find multiple complaints about this company, and something needs done.
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (WI)

Until end of year 2020 I have always received a check made out to me and the City Treasurer for real estate taxes from my escrow account. I did not receive a check in XX/XX/2020. Upon contacting the mortgage company I was informed, on two occasions, that a check was sent directly to the city. That's very unusual. In fact, a rep from company said it was sent to the city because the city sent them an invoice ; no so. He obviously didn't know what he was talking about. 

The city treasurer 's office has no record of receiving a check. Consequently, I had to pay my 2020 property tax out of personal funds. 

The attached file containing the escrow statement is how Home Point Financial responded to my first call. The WORD doc is their answer to my second call. 

Lately, Home Point has been unresponsive.
Consumer complaint received 2021-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA 
Contact
XXXX XXXX XXXX XXXX XXXX TX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2020-12-11
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. (MT)

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX agreed to deed back XXXX XXXX on XXXX # XXXX. The letter attached is proof of the agreement entered into with XXXX XXXX  XXXX XXXX. 

On XX/XX/XXXX, Vice President, XXXX XXXX emailed XXXX XXXX XXXX, in response to being in receipt of the paperwork. Mr. XXXX wrote in that email he " will forward to the clerk. '' The Deed in Lieu of Foreclosure was executed and the check disbursed from the account of XXXX XXXX XXXX XXXXXXXX XXXX was received and deposited in the account of XXXX XXXX XXXX, on behalf of agreeing to the Deed in Lieu of Foreclosure. 

Since the agreement was executed, the corporate officials of the Resort on XXXX XXXX has violated the Fair Credit Reporting Act, and reported false and inaccurate information to the bureau of TransUnion. Specifically, the deed in Lieu of Foreclosure is currently showing on my TransUnion Credit Report as a foreclosure. 

I, XXXX XXXX formally request that TransUnion Credit Bureau comply with 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2021-10-19
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. (AL)

Hello i have disputed by mail and by phone also online with Transunion about a public record on my report chapter XXXX Bankruptcy. They have stated that they verify though XXXX XXXX  so i disputed through XXXX XXXX and they removed it yet Transunion say they are still veryfying through XXXX XXXX spoke with Transunion and they said the courts do not report to them. I want this removed!
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION ()

I am a customer of XXXX bank and payment order for XXXX XXXXon XX/XX/2021 and was debited from my account on that date later it was rejected not the cause for that but it was never credited again in the account and the bank does not give news despite the claims. I am not a national and I find it very difficult to understand and communicate.attached information Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX or XXXX XXXX
Consumer complaint received 2021-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: States Recovery Systems, Inc. (CA)

Hello I have been dealing with a serious issue with the States Recovery Systems Company in XXXX XXXX, CA. Since XX/XX/XXXX, I noticed on my credit report that the company States Recovery Systems had shown up as a debt collector " claiming '' I owed them a debt. In XXXX of XXXX, I reached out to them via certified mail trying to dispute the matter by requesting the original instrument of indebtedness they that claim I owe as well as a contractual agreement between myself and SRS. I let them know that if they couldn't provide me with anything within 30 days then they have accepted the " debt ' they claimed I owed them. The company have failed to respond back to me but still is reporting the erroneous item on my report. They have violated 15 usc 1692 codes f through g.
Consumer complaint received 2021-10-11
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: EQUIFAX, INC. (LA)

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.
Consumer complaint received 2020-09-01
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. (NC)

I first contact XXXX XXXX regarding the issue when I received a credit monitoring alert from XXXX XXXX stating that there was a 30 day late reported on my credit report for $ XXXX/XX/XX/2020. I knew this was incorrect when I had just made a payment of {$81.00} for XX/XX/2020 I  looked into the matter immediately by contacting XXXX XXXX and speaking to one of their representatives to find out what the problem was. The representative stated even the payment was made on time I failed to make the whole payment that was due of {$96.00} vs. {$81.00}. The difference of {$15.00} was for late payment which I was not aware of. I always go by what payment is due on my XXXX XXXX app and the day I made the {$81.00} for XX/XX/2020 that is what it stated. My monthly payment practice has been what is on my XXXX XXXX app and has been for as long as I have had the card. 

The XXXX XXXX rep explained to me to contact the credit report agencies and make a dispute through them. I did this and XXXX XXXX denied my request to change my credit report. 

I wrote them directly and asked them to change it and they denied that request also. 

I have included supporting documentation to support my claim.
Consumer complaint received 2020-12-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have spoken to the debt collection agency about this debt being paid off to the original debtor. I submitted documents stating I am no longer responsible for this debt. I also sent to the Equifax, and they said the dent is verified.
Consumer complaint received 2021-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (PA)

I have tried for over a year to resolve a debt that is not mine. 
XXXX XXXX associates of XXXX XXXX, XXXX : XXXX XXXX in XXXX, New Jersey has been dunning me through " ARS ", Account Resolution Services, XXXX. XXXX XXXX XXXX, FL XXXX. 

This debt is from a fall I had on the unshoveled, icy sidewalk in front of XXXX. ( XXXX XXXX  XXXX ), in XXXX, New Jersey, where I was in lockdown, as a ward of the New Jersey XXXX XXXX XXXX and indigent. 

I refused medical attention and then they strongarmed me to XXXX XXXX, XXXX XXXX XXXX, XXXX, New Jersey XXXX. 

They took one x-ray and that's it. I was back in custody in less than an hour. No medication was given or prescribed. 

Their invoice is for {$650.00}. 

XXXX, as an entity attached to the XXXX XXXX XXXX is totally responsible for the debt. 
Can you please have this cleared up and removed from my credit report ; as I am trying to buy a house and this is the only mis-directed Billing negative on my credit report. 

I've tried and tried to contact both ARS and XXXX XXXX ; with never a response ; except the dunning continues. 

Please try to expedite this, As it is hampering my forward progress from their mis-directed Billings. 

Thank you, XXXX XXXX XXXX ( text only, please, as I am deaf. 
Or my email : XXXX XXXX