davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX, My current property was in the process of foreclosure with Wells Fargo Bank, ( WFB ).  XXXX XXXX ( Real Estate Agent ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) approached me to bring the WFB Loan current by paying the arrears of XXXX. In lieu, of this transaction, XXXX and XXXX XXXX requested the title of my property for collateral. Hence, during this transaction of the title transfer, XXXX and XXXX XXXX, were in agreement to remove my name from the WFB Loan and the Home Association. Since XX/XX/XXXX, I have paid XXXX and XXXX XXXX {$1800.00} to make payment to WFB. I contacted WFB, and they notified me that this was transaction was a prohibited title transfer and predatory lending by this institution. I made the bank aware that this was a transaction made by a California licensed real estate agent. WFB, educated me on the kind of loan that was attached to the property. Conventional Loans are not ever able to be transferred to another title without the bank approving ; in addition, a conventional loan CAN NOT be assumed if the loan is over 30 years, if the loan is transferred without the entire loan being assumed or if the conventional loan was transferred to someone else other than a immediate family member. I contacted both XXXX and XXXX XXXX and made them aware of this prohibited title transfer. I explained to both, what WFB explained to me and how this was a fraudulent transaction per WFB. WFB has demanded that the title be transferred back, or the entire loan be assumed before the foreclosure process. WFB, also explained to me that if I make the home mortgage, the property will continue to foreclosed if the title is NOT transferred back. In addition, to rectify this I agreed to give both XXXX and XXXX XXXX the {$20000.00} that was paid to WFB. They rejected that proposal, and stated that they were not going to comply with what the WFB had requested and expressed to me that they have done this prohibited title transfer with 4 other properties with no repercussions. I have obtained from the XXXX XXXX Fictitious Business records portal the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX OWNERS NAME ( S ) :  XXXX XXXX XXXX AND XXXX XXXX, CERTIFICATE NUMBER XXXX, A GENERAL PARTNERSHIP, FBN FILING EXPIRED XX/XX/XXXX. 
In retaliation, XXXX XXXX XXXX and XXXX XXXX have now filed an Unlawful Detainer Action against me in the XXXX XXXX XXXX Superior Court, Case No. XXXX. 

NOTE : ON THE OPTIONS GIVEN, IN REGARDS TO THE WFB LOAN, NONE ARE APPLICABLE BUT I HAVE CHOSEN ( CO-SIGNER ) TO PROCEED WITH THE COMPLETION OF THE COMPLAINT.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called Bank Of America about a credit card account which was deactived by them which i was aware of. A month or two later they reactivate my card without my knowledge of it being reactivated and it became late and turned into a charge off and a collection. 
I paid the charge off. I had a good payment history with them since 2005 and explained to them that it was hurting me financially by being on my credit report. What makes this a unfair credit practice is the rep who I spoke to on the phone said they could not remove it and it was solely in the hands of the credit bureaus to remove the charge off and that they had no control over removing the item which reports on my credit report. It is sad they are not held accountable because when you call them they say it is on a recorded line and she intentionally misinform me that Bank Of America had no control over the out come or the removal of a item on my report. Is It ok to tell your customers that Bank Of America does not have the power to correct an item on a credit report.
Consumer complaint received 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

On XX/XX/2020, I sent XXXX, XXXX, and XXXX  a letter stating that there are inaccuracies on my credit report. Ive requested these items be removed from the creditors.I am a victim of identity theft and these accounts are associated with the case. I have not heard back from them.There are Multiple Student loan accounts on my credit report that are not mine.They are required to give me a response within 30 days and they have failed to do so.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

EQUIFAX NEVER provided the signed documents EQUIFAX sent me an ILLEGAL paper stating they DID NOT HAVE TU PROVIDE ME WITH PROOF from EACH FURNISHER nor did they have to provide PROOF AT ALL which is an ILLEGAL ACT AS WELL AS A VIOLATION OF THE F.C.R.A
Consumer complaint received 2022-04-05
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. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-23
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. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account for no reason. My account wasn't overdrawn. I had called BofA because I had mistakenly paid the wrong account for XXXX XXXX XXXX. When prompting in a text I thought I was paying my wireless bill. I called BofA because I was confused as to which bill I had paid. I was considering reversing that payment so I could pay the wireless bill. I have no idea where they got the idea that was fraud unless they misunderstood me. Then I waited a hour just to be seen. The officer is telling me that if they make this determination I can't have an open bank account. Bank of America is not responsive at all.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (KY)

I have repeatedly sent request to XXXX, XXXX and Equifax that the Bankruptcy court does not report to credit bureaus and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit-reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I am providing letter from XXXX to have the bureau 's remove this from my report/file.
Consumer complaint received 2018-04-05
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)

There are multiple layers of issues with this account that start with it being opened without my knowledge. 

Once the account was opened and I was aware when the collection process started. Multiple requests for copies of lending documents, application documents and supporting authorization were requested however XXXX responded that I needed to register online, which I did and no documents were available. I went back to the lender and requested again and was told these were in archive an were not available. They indicated they would take me to court for various charges including wire fraud, and I provided all current contact information. Nothing materialized except further collection threats. At one point a settlement was requested due to the 96 % interest rate increasing the " payoff '' well over 20K however they said to send in XXXX and the rest would be cleared. XXXX refused to put any settlement in writing. 

It has now been nearly 7 years and the account should be coming off my credit report as I am preparing to buy a home. However XXXX is now falsely reporting the payment history. This account has had no activity since XX/XX/XXXX. Therefore the account would have gone 180 days delinquent XX/XX/XXXX. Unfortunately this company is now falsely reporting the payment history on this account by updating the payment month that is exactly 4 years ago to XXXX from XXXX forcing my credit score to drop due to what appears to be recent account history. Each month I watch my score increase to over 600 and then when they report this updated payment my score then drops to about 570. 

I do not own this account and the lending company has been unable to provide any documentation.
Consumer complaint received 2017-08-17
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: LEXISNEXIS (IL)

I disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX credit sold their credit holder account to a new company in XXXX of 2020. When this change was made the company erased all my stored reoccurring payment information. The company never sent me any information to notify my payment information was erased or that my payment was unable to be processed. This caused a serious ding on my excellent credit score. I have never been late or delinquent on any payment. 
I have paid the account off in full to avoid any problems with this company and will NOT be using the card again.
Consumer complaint received 2020-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

First, this is a closed account and have been closed for years. 
I paid the full balance off onXX/XX/XXXX w/ a transaction date of XX/XX/2020 This paid the full balance according to their system. There was no mention of a late charge on this day. If my transaction was not effective until XX/XX/2020 there should have been a late charge already included in my balance. Per the credit card statement I received it stated the late charge was placed onXX/XX/2020 for {$25.00} w/ an interest fee of {$2.00} which bring the total to {$27.00} all interest and fees. Also according to my statement it states I have a transaction date of XX/XX/2020. I called and spoke with Account Specialist Manager XX/XX/XXXXemployee id XXXX and XXXX ( customer service rep ). I ask the specialist to waive these charges as they can clearly see this account was paid off and the charge was placed a day before. He stated he can't waive this fee. I advised him, he can but choose not to. I definitely feel during these difficult times for anyone to pay off a loan is a plus. I am being charge a fee with an interest charge for no balance. This is totally unfair lending and I want to know how many late fees Comenity have waived for other customers? This is an example of unfair practices.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For XXXX, TransUnion and XXXX
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CountryPlace Acceptance Corporation (LA)

Countryplace Mortgage is reporting to XXXX that there were late payments on a mortgage I held prior to my bankruptcy in XXXX, and foreclosure was not completed until XXXX. During my bankruptcy, the house was foreclosed. There is a sheriff 's deed certifying that the foreclosure was completed with the XXXX XXXX Clerk of Court on XX/XX/XXXX. Yet, Countryplace and XXXX are reporting that it was not foreclosed until XXXX. I have unsuccessfully filed a dispute with XXXX about this. XXXX has claimed that Countryplace Mortgage certified the I formation as accurate, even though it is clearly not. Apparently their certification process needs an overhaul.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (GA)

Apple Card is reporting erroneous lates on my credit file. That late is from XX/XX/20. I was experiencing hardship during COVID and received a few lates throughout that time that I was experiencing hardship. This was really damaging to my credit. I had high credit limits and all those were all brought down. So not only did my credit utilization XXXX  but with the lates my credit took a huge loss. I am asking that you to please remove the reported lates during the pandemic. I was in contact with you and let you know I was experiencing hardship. Under the federal mandate, CARES ACT, you can not report lates during the pandemic. I have been a long time customer and if you review my file you will see the only time I was late was during this troubling time.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Despite my ongoing efforts, a resolution to these concerns remains elusive. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' I want to stress that I take this matter seriously. If my initial request to verify the items is ignored, I am prepared to file a complaint with the Federal Trade Commission. I respectfully request validation of the alleged item, specifically the contract, note, or any document bearing my signature. Without such validation, I insist on the timely removal of these items from the report.
Consumer complaint received 2020-05-03
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. (WA)

To Whom XXXX : I've tried to correct a bogus address on my XXXX credit score numerous times thru the XXXX XXXX XXXX agency reporting system. They consistently state I need to contact some lender however never state who nor do I know the origination of how the address became attached to my account. I've lived at the same address for over 40 years however they wont get off the dead XXXX 's and help correct the problem. I believe they have an out right obligation by law to do so as quickly as possible with out hesitation however they fail too react until I complain to the FTC as I have before regarding inaccuracies. Please help me get the message across when a consumer identifies an issue its their obligation not mine to correct it. I look forward to your prompt return response and full resolution regarding this issue. I'm also requesting to be provided my free full and accurate annual credit reporting score. 
Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-06
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

I had a student loan with XXXX XXXX XXXX XXXX services back in XX/XX/XXXX-XX/XX/XXXX year. The company started to garnish my wages because my loan became delinquent and we came to an agreement that if I made six on time payments that they would stop the garnishment and I would rehabilitate my loan to current status. I decided to go that route and made the necessary payments to bring my account current. I then decided to consolidate all my student loans with XXXX XXXX because I did n't want this problem happening again. Once XXXX XXXX had told me they had disbursed the money to XXXX XXXX XXXX XXXX I called to see if they had received it and they told me that they did receive it and that the account would report as paid on my credit report like all my other student loans. Unfortunately they made an error on my credit report that I just recently noticed that has cost me from refinancing my car. On my XXXX credit report they have my account showing as a charge off instead of paid which my other two credit reports show. As stated before I was denied refinancing of my car because my credit union used XXXX as the credit reporting agency that they used for that feature. l-
Consumer complaint received 2018-04-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In XX/XX/XXXX my bank didn't pay my car loan because my overdraft protection was accidentally removed. I noticed in XX/XX/XXXX that my car payment with Credit Acceptance wasn't taken out I contacted them on XX/XX/XXXX asking about my payment the representative said I had a payment scheduled for XX/XX/XXXX, on XX/XX/XXXX no payment was reflected on my account. I called again on XX/XX/XXXX and was advised again a payment was scheduled for XX/XX/XXXX, no payment was taken out. On XX/XX/XXXX I received a notice from the credit bureau showing my car not was reported as late and my credit score dropped 78 points. I contacted Credit Acceptance again this rep told me I had a payment scheduled to come out on XX/XX/XXXX, I asked was it other ways I could make my payment she said online I checked it would not allow me to log in I called back in and the rep told me I needed to create a new again because they no longer used XXXX XXXX for their payment company. I still wasn't able to make a payment online because the system said I had a payment scheduled in the system. I called back and was advised my account needed to be deactivated to allow me to make a payment online, I made a payment. I still haven't received any correspondence advising me on my loan being past due or that their was an issue with their system. On XX/XX/XXXX I put in a complaint with the better business bureau after calling again to the company and no one could explain why my payments were not being deducted. On XX/XX/XXXX I  received a call from a rep in the compliance department who advised me my auto pay was XXXX, she then explained I could make my payment online and explained why the payment did not go through she could not explain why the previous reps did not know this or why they would tell me to check with my bank because my bank was blocking the payments ( which was incorrect ). I received another call from that same compliance rep today XX/XX/XXXX advising me she would place notes on my account but she could not remove the late payment charges on my credit. Because of the miseducation of the reps of Credit Acceptance, I can no longer purchase my house and will be evicted from my home because it is showing my car loan as past due for an error on their part. I can understand XX/XX/XXXX payment issue but going forward that was a issue on the company, I was also told that when I missed a payment before they would change my biweekly payments from {$210.00} to {$230.00} and this would not report my car loan as late but when I spoke to the compliance rep today that was incorrect. I would like the late payment charged removed so that I can get approved for my mortgage as well as get a better company to handle my car loan.