davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IA)

TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXXXXXX XXXX XXXXXXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY XXXX XXXX XXXX. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXXXXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH XXXX XXXX XXXX TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX  BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. 
I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-31
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: EQUIFAX, INC. (AL)

I recently sent a dispute letter to XXXX Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2021-05-31
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: Experian Information Solutions Inc. (NY)

Life for me is sinking, I am depressed and discourage. My credit score is being effected by an account that isn't mine. I am a victim of identity theft please help me. in 2017 somebody open a phone line under my name. This account was open for {$170.00} I sent a letter in and never got a response back. This account is hurting me and my family. I have attached a FTC report which is a police report as proof. Thank you.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (CA)

American Express Global Collections, Like many, at the onset of COVID-19, I was let go from my place of employment. We are barely able to keep a roof over our heads, food on the table, and keep essential utilities connected. 

1 ) American Express sent me several emails offering varied methods to pay off my remaining debt, and I responded. My first response email stated I wanted to take advantage of said offers. I informed American Express Global Collections that I am unemployed, actively looking for work, and scheduled two interviews, indicating the companies. The following email I received from American Express Global Collections was that they had received my email and have forwarded my email to a specific department ( the name of the particular department was not provided in the email ). I never heard back from the unnamed specific department American Express Global Collections had forwarded my email. 

2 ) A few weeks later, I received another email from American Express Global Collections. They were again informing me of the same repayment options that were mentioned in their first email. However, this time, I had accepted a job offer with XXXX, but I did not start my new position of XXXX XXXX XXXX  XXXX XXXX position until XXXX. I sent American Express Global Collections a response email, indicating precisely what I stated above in this complaint - informing American Express Global Collections that I do not start my new job until XXXX. After I receive my first paycheck, I will pay off the account in Full ( one lump sum ). American Express Global Collections responded to an email, saying the same thing as mentioned in number one ( 1 ) of my complaint- stating they will forward my newest email to the same unnamed department within American Express and follow up with me. Again, the unknown department within American Express did not reach out to me. 

3 ) Shortly after the second set of emails with American Express Global Collections, they sent another email - unrelated to the two previous sets of emails mentioned in number one ( 1 ) and number two ( 2 ) of my complaint. The third email from American Express Global Collections informed me that my account had been assigned a Debt Collection company called XXXX XXXX XXXX XXXX ( XXXX ). 

4 ) XXXX XXXX XXXX XXXX ( XXXX ) sent me an email today, XX/XX/XXXX, at XXXX XXXX, attempting to collect the said debt. 

I don't understand why American Express Global Collections sent my account to a third-party debt collector when it was evident that I would be paying off my debt in Full, in One Lump Sum, as a XXXX XXXX XXXX XXXX XXXX  after my first paycheck with XXXX.
Consumer complaint received 2021-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Bank is currently reporting 3 unauthorized hard inquiries. I am unaware of these inquiries and I did not authorize them. 

I am specifically speaking to the inquiries report on these dates : Capital One Bank Usa XX/XX/2020 Capital One XX/XX/2020 Cap One Na XX/XX/2020 I am aware of the inquiries made May of this year. I authorized those inquiries.
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I received an unsolicited debit card in my name mailed to my place of residence from Huntington Bank. As I was out of town, I do not know exactly when the letter arrived, but sometime between XX/XX/2021 - XX/XX/2021 appears most likely. 

I did not request this account nor have I ever to my knowledge done business with this bank previously in any capacity. I have reached out to customer service of this company but they are closed on the holiday.
Consumer complaint received 2021-05-31
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: Financial Data Systems (SC)

FINANCIAL DATA SYSTEMS LLC They failed to send me a signed contract to do business with their agency. They are not authorized to report to my credit report as I have not signed a contract to do business with them. Theyve failed to send me information on this debt. 

I disputed them twice and still no validation.
Consumer complaint received 2021-05-31
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (CA)

We have made all payments and are out of forbearance. We are trying to refinance and we need a letter stating we are out of forbearance. We have been trying since XXXX XXXX to get a letter stating we are out of forbearance. 
Suntrst Morttage has been ZERO PERCENT in cooperating with giving us this letter. Suntrust has an interest keeping our loan at their higher percent. Please see below in our efforts to remidify : XXXX PLEASE NOTE : I have explesed that this extreme delay in the requested letter will COST US $ $ $ $ due to extending our " lock '' on our refinance, Thursday XX/XX/XXXX original call requesting letter stating we are out of forbearance. 

Monday XX/XX/XXXX, XXXX ( time on hold 1 hour 23 minutes ) s/w XXXX and explained that we had requested letter stating we are out of forbearance in order to move forward with our refinance. Told her we had already called and received no response and I needed to know what the status of the letter is/was. She said she would put an urgent on the request and that we should have a response within 24 to 48 hours. 

Wednesday XX/XX/XXXX XXXX ( time on hold 1 hour 49 minutes ) Called home preservation department and due to long hold times left a call back number XXXX received call back and from the wrong department ( customer service ) and was transferred to h/p and was immediately disconnected. 
XXXX called back and stayed on hold for 45 minutes. s/w XXXX and asked her to transfer me to a supervisor. XXXX put me on hold, stayed on hold until XXXX ( more than an hour ) XXXX called again ( while STILL ON HOLD waiting for a supervisor ) from a different phone. 
XXXX s/w XXXX XXXX who tried to contact her supervisor but supervisor was in a meeting. XXXX XXXX took my number and called back later and explained that the letter needed to be generated by the utility team but they had gone home for the day. She said she was putting an urgent on the request and that we should have a response within 24 to 48 hours. 

Thursday XXXX ( time on hold 48 minutes ) s/w XXXX and asked for supervisor. XXXX said a supervisor would call back within 24 to 48 hours. XXXX also said customers can not talk to or reach the utility department directly.
Consumer complaint received 2021-10-21
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-28
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. (GA)

Equifax is reporting incorrectly a balance due of {$8400.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This loan was originally for a motocross bike. The bike was under dealership/factory warranty. The bike began having mechanical issues so I took it back to the dealership for in-warranty repairs. The dealership refused to fix the bike and I was not going to continue to make payments on a bike that was not running properly. The dealership agreed to take the bike back and consequently there is no outstanding balance to report. This false reporting of lates and a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2023-02-23
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. (OR)

In XXXX of XXXX I tested positive for XXXX, as did my entire family. Shortly after we all recovered in XXXX we all got the XXXX. Upon returning to work I immediately resumed payments or entered into various agreements to avoid penalties/interest/late charges. XXXXXXXX XXXXXXXX card sent me an offer on XXXX. I will attach the email. I then followed the instructions in the email and on XXXX I made a payment of XXXX to my account, as requested in the email. I then got an email confirmation that my payment was applied. I then logged on today and made another payment of XXXX, well over the minimum due. I noticed on my credit report ( s ) it shows my account as " closed ''. Nowhere in this email ( attached ) does it indicate by making this payment you are " agreeing '' that we will close your account, nor does it say anything about closing my account. I attempted to contact them directly via the chat option in my online account. I asked them to please correct what is being reported to the credit companies because this information is not accurate. They informed me that it is accurate, and they won't be changing it. This is unacceptable. It has devastated my credit score and I am trying to get a mortgage. I made every attempt to connect with them, I paid my account per the agreement sent me to, and none of this was noted in the agreement.
Consumer complaint received 2023-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

The person that chase assigned to resolve my issue doesnt understand math and its impossible to fix the issue without knowing basic math, the forbearance amount placed at the end of the loan should be 12 payments and chase mistakenly only put 8 also started foreclosure when repeatedly told me they wouldnt and that created an extra cost. I need those fees removed.
Consumer complaint received 2022-01-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (IN)

I have repeatedly asked this company, under federal law and my legal rights, to show me proof the accounts with this company are mine and they have failed my requests. I feel this was opened by my ex-wife and is not my responsibility. I do not feel they can damage my credit, reputation, or wrongfully threaten legal action without proof this is mine. I am prepared to fight this in court and will hold this company accountable for fraud
Consumer complaint received 2018-03-02
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 (HI)

I received an emailed and phone notification from Bank of America that my XXXX   card must be reissued due to an ongoing fraud issue. I spoke with manager XXXX of Bank of America 's fraud department. He would not provide his last name or any further supervisory contact to resolve complaint within Bank of America.

I was demanding to know which merchants or activities had initiated the fraud investigation. XXXX said that is between XXXX  and BofA and is not something he can provide. I said that policy intentionally leaves consumers in the dark and does not allow consumers to know which organizations are protecting our data and where fraud is originating.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (DC)

XXXX  is lying to the cfpb and preventing a XXXX veteran from putting a roof over his head. XXXX  discriminates against XXXX people, XXXX people and veterans and lies through their teeth, and violating federal law under FCRA. XXXX  did NOT investigate my complaints and remove XXXX XXXX XXXX ( AND XXXX AND XXXX ) from my credit report. XXXX  lies and people like me suffer and are affected. XXXX is an illegal fraudulent debt, and it WILL be removed from my credit report or I will sue XXXX  and its board members for malfeasance. XXXX  also illegally refused me getting my online credit report for SIX months illegally while making excuses that it was under investigation- I COULD NOT access even my free annual credit report at any time. XXXX  is a bunch of lairs and illegal fraudulent cheats that destroy peoples lives, they will be sued very soon by me. XXXX XXXX XXXX WILL be removed from my credit report immediately, it is FRAUD and illegal and HAS BEEN REMOVED FROM my equifax and XXXX  reports. I have reported XXXX  to the CFPB, the DC attorney general, the CA attorney general, and the XXXX. XXXX  KNOWS XXXX well that this is a fraudulent debt, and they refuse to investigate and remove this item from my credit report UNDER 609 OF fcra which is illegal. XXXX  is illegally and fraudulently stating this is a legitimate debt, WHICH IT IS NOT. XXXX  ALSO IS FRAUDULANTLY REFUSING TO PROVIDE ME WITH THEOR FRAUDULANT ILLEGAL REASONS FOR XXXX XXXX XXXX REMAINING ON MY CREDIT REPORT.TRANUNION DID NOT INVESTIGATE AND REMOVE XXXX XXXX XXXX FROM MY CREDIT REPORT, WHILE EQUIFAX AND XXXX  DID. DO NOT SEND THIS COMPLAINT TO COOLINS ASET MANAGEMENT, XXXX WILL REMOVE OIT FROM Y CREDIT REPORT IMMEDIATELY!! XXXX  AND ITS PRESIDENT AND BAORD ARE LIARS AND CHEATS AND DISCRIMNATES AGAINST XXXX PEOPLE, XXXX VETERANS, AND XXXX PEOPLE, ILLEGALLY. These have been in reinvestigation for three months, I need this to be closed out and taken off an to let me know the results.
Consumer complaint received 2021-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

In XXXX of XXXX, the Homeowner applied for and received loan forbearance due to financial hardship caused by XXXX as provided by the XXXX CARES Act for the following time periods totaling 11 months : XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX On XX/XX/XXXX, the Homeowner received a letter from the Servicer stating that the COVID-19 forbearance period was ending. The letter directed the Homeowner to the Servicers website for up to date available options for mortgage forbearance. The options presented on the Servicers website in XX/XX/XXXX did not include a COVID-19 forbearance extension option as guaranteed by the 2021 CARES Act for government backed loans. The Servicers website provided the following as the list of all available mortgage assistance options : Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure. 

On XX/XX/XXXX the Homeowner telephoned the Servicer to discuss the COVID-19 forbearance. At that time, the Servicer informed the Homeowner that the forbearance was scheduled to end on XX/XX/XXXX. To receive the full 12 months of COVID-19 forbearance guaranteed under the XXXX CARES Act, the Homeowners COVID-19 forbearance should have ended on XX/XX/XXXX. In addition to reducing the duration of the existing COVID-19 forbearance by one month, the Servicer also did not make the Homeowner aware of the COVID-19 forbearance extension provided by the 2021 CARES Act as an option to address difficulty making payments in addition to the options presented on the Servicers website. Presented only with the options of Modification, Payment Deferral, Repayment Plan, Short Sale, Deed-in-Lieu of Foreclosure, the Homeowner agreed to resume responsibility for making mortgage payments as of XX/XX/XXXX. 

The impacts of XXXX have caused ongoing financial hardship for the Homeowner. Had the XXXX forbearance extension guaranteed by the 2021 CARES Act for government backed loans been presented as an option by the Servicer in XX/XX/XXXX, the Homeowner would have accepted. Had the Homeowner been given the benefit of the full 12 months of forbearance guaranteed by the 2020 CARES Act, the Homeowner would have had the benefit of one additional month of relief and an additional month to secure the benefit of the COVID-19 forbearance extension guaranteed by the 2021 CARES Act. 

Given the errors committed by the Servicer, the Homeowner is requesting that the XXXX forbearance be reinstated on the Account for the period starting XX/XX/XXXX and ending XX/XX/XXXX. This reflects an additional forbearance period of seven months, to include the month reduced from the initial 12 month forbearance period and the six month extension guaranteed by the CARES Act of 2021 for government backed mortgage loans.