davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
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. (FL)

I had a student loan back in XXXX through XXXX. The claim was closed out XX/XX/XXXX and my balance was XXXX. Upon applying for a home loan we noticed that on my Equifax credit report reported that I had payments 120 day late for the Months of XXXX, XXXX and XXXX of XXXX. 
I called my lender, XXXX and asked them to update this information with the credit reporting agencies. I was toldby their credit consumer solutions department that they have not reported to the credit agencies since XX/XX/XXXX. They did not update this information on Equifax. I filed a dispute with Equifax asking them to investigate the late payments for XXXX. I did not have a student loan balance, it was showing up on the credit report as zero, why are late payments showing up. After multiple calls to XXXX consumer solutions department I was told that they see that late payments are showing up on Equifax but was showing correct on XXXX  and XXXX. Attached is a copy of the Experian report showing no late payments for XXXX, XXXX and XX/XX/XXXX. Equifax report attached showing late payments for XXXX, XXXX and XX/XX/XXXX. Keep in mind, this loan was closed out and paid by claim between XXXX XXXX and was now XXXX balance. 

I called XXXX again on XX/XX/XXXX and spoke to their credit consumer solutions and they told me that they have again submitted an update to Equifax to correct the errors as they were able to see that its still showing up on their end as late payments. I reached out to Equifax again and they said that it can take 30 days to reflect on their end. The dispute did not correct anything in fact it added another XXXX late payment on a closed loan with a zero balance. 

I was in the middle of purchasing a home, was pre-approved for a loan and had to cancel the pending sale because XX/XX/XXXX due to these negative remarks on my credit report. This was the only thing holding me up from purchasing a home. Now I can not get my loan until this is correct by Exquifax. Attached documents are XXXX, Equifax credit reports and a letter from XXXX showing my loan was closed in XXXX and I do not have a balance due.
Consumer complaint received 2021-03-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (TX)

On XX/XX/XXXX, a new collection account appeared on my credit report from Debt Recovery Services ( DRS ) - original creditor was a pay day loan from XXXX XXXX in the amount of {$350.00}. See page 1 of my proof document a page taken from my XX/XX/XXXXcredit report. 

On XX/XX/XXXX I mailed a check in the amount of {$350.00} to DRS as full payment for the debt. This check cleared my bank, XXXX XXXX XXXX, on XX/XX/XXXX as evidence by DRS deposit stamp on back of the check and the amount being debited from my account. See page 2 of my proof document. 

After several calls to DRS the week of XX/XX/XXXX, XXXX, and XXXX, DRS still says it has no record of my payment. After filing a dispute with XXXX and XXXX, DRS still indicates that I owe the debt. See page 3 of my proof document which shows the results of my dispute. 

I have provided proof to DRS and to the two major credit reporting agencies and DRS will not acknowledge that they cashed my check, collected the funds, and will not modify my credit report. This is WRONG, it is criminal and they should be held accountable for violations of the FCRA. This is a clear violation of the act since I have undisputed documented proof that this debt was paid in full.
Consumer complaint received 2018-02-26
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)

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.
Consumer complaint received 2018-02-26
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. (IL)

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.
Consumer complaint received 2020-08-21
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: CURO Intermediate Holdings (TX)

There's a charge-off loan account from Speedy Cash appearing on my credit report. I've never had an installment loan account with Speedy cash. Therefore, this account has to be a product of identity theft.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy ch7, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING
Consumer complaint received 2020-08-21
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. (CA)

all 3 credit agencies continue reporting various fraud accounts not mines and incorrect public records/ " PACER '' data of bankruptcy chXXXX, outdated reporting since 2013 ( over 7yrs old ) and XXXX XXXX DURING TIME FRAUD ACCOUNTS OPENING
Consumer complaint received 2024-02-22
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2020-08-21
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: Bilateral Credit Corp, LLC (TX)

I have repeatedly received harassing calls from Mr. XXXX at Bilateral credit telephone number XXXX ( reference # XXXX ) representing XXXX a former company I worked for on charges that I expensed or was trying to figure out why they were not expensed and paid for and he : 1. Used scare tactics and threatened to ruin my credit 2. Threatened to take legal action 3. Left a very abusive voicemail transcribed here : " You have no intention, no integrity, no morals in resolving this on a voluntary basis. Please be advise this has been reported to your credit and will remain there for 7 years. Collection activities will continue, this does not go away '' I feel threatened and upset at the fact that this person in questioning my character and making assumptions based on a debt.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I'm respectfully filing this complaint due to the numerous of failed attempts in removing the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX, and XXXX XXXX, in light of Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents via my disputes, Therefore according to the above statue any and all un verifiable accounts should be deleted promptly and immediately after 30 days. And it's been over 6 months now.
Consumer complaint received 2024-02-22
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC (CA)

On or around XX/XX/XXXX, I was notified by XXXX I had a new collection added to my reports, damaging my scores. I saw that AGC Credit LLC reported this account as new/opened inXX/XX/2020.I have never received any sort of notice ( written or otherwise ) from ATG Credit regarding this debt no phone calls, no letters, e-mails, nothing. 

This debt has been submitted to the credit bureaus as a new opened collection starting XX/XX/2020, even though they have NEVER made contact with me or verified the debt, and even though this account in particular was charged off by the original creditor over two years ago. 

Collection entries related to the same debt share their expiration with the original debt, and must be reported this way. In this case, ATG re-aged the debt by reporting a different open date, violating my rights and damaging my credit score. They also failed to give me any notice or verify the account before adding it to my report and damaging my credit Ive tried hard to rebuild.
Consumer complaint received 2022-09-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XXXX I received a collection attempt from Portfolio Recovery Assiciates ( dated XX/XX/19 ) about a debt I did not recognize. I sent certified mail asking for validation and verification of the debt. I received no communication from this collector until today where i received communication insinuating that i would be sued. I have all records of my certified mail
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX XXXX Visa, issued by Bank of America, was taken an fraudulently used. 

In the months : 1. XX/XX/2020 15 Unauthorized charges totaling {$420.00} were made 2. XX/XX/2020 15 Unauthorized charges totaling {$1700.00} were made Total Fraud Charges = {$2200.00} I have filed multiple police reports w/the XXXX XXXX County Sherriffs Department. 
XXXX XXXX County Sheriffs Department Detectives have investigated the theft. 
And Ive submitted their police reports to Bank of America as advised to me by the detective. 

I have a suspect of a person who took the card and was using it, whom the police have investigated. 
The person has since fled the state and the police have informed me that since this is a small scale grand theft they can not pursue the person into the other state. 

The investigator at Bank of America told me in one of my many phone calls with them he has no respect for the police. 
Further, he verbally told me on the call he does not care what a police officer says, he will not accept the police report. 
He is clearly biased in this case. 

I have called multiple departments and Bank of America and no one else has been able to resolve this. 
Apparently their entire company relies upon this one biased investigator sitting in some back office in Tennessee. 
They have told me no one else in the entire company can can help. 

Bank of America sent me a letter stating they refuse to honor their no fraud guarantee. 
They are telling me that I must pay for the charges on my stolen card created by the thief. 

They have told me that since the card was used in person, and since the thief signed the receipts I am liable. 
This is completely ludicrous and is not only completely unethical, it defies any reasonable common sense since obviously a thief would use the card in person and scribble a signature when needed. 

I would expect Bank of America to promptly reverse the charges to my account and not make me beholden the whims of thish one person who holds a grudge against police officers. 

Shame on Bank of America. 

Attached are copies of the original police report. 
Also attached are copies of two hotel bills charged to me in which you can see the person whos name on the bill is not even my own, yet BoFA is holding me liable for these fraudulent charges. 

Additionally attached is an XXXX spreadsheet w/the all the fraudulent charges highlighted in yellow and itemized for both months.
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

XXXX XXXX Mortgage Loan Officer Assistant Vice President NMLS ID : XXXX Office : XXXX Mobile : XXXX Email Me Main Office XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX completely dropped the ball on the refinancing of XXXX XXXX property in XXXX XXXX XXXX, XXXX After 4 months the refi is not completed because he never completed or submitted the paperwork. Never returned phone calls or e-mails. Complaint was filed with Truist by XXXX XXXX. The bank is now starting to complete the refi. 4 months later. The bank is slowly trying to fix the work that was done by XXXX XXXX. XXXX XXXX has not suffer any consequences for avoiding doing the paperwork for XXXX XXXX for 4 months.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NY)

Good day XXXX XXXX XXXX XXXX : I wish to file a complaint against Barclays Bank Delaware, issuer of XXXX  XXXX for damaging my credit by their own admitted error, then refusing to fix it. 

On XX/XX/XXXX, XXXX XXXX XXXX charged my XXXX credit card in the amount of {$99.00} for its annual membership fee. Had that charge remained active, it would have been due in XX/XX/XXXX. 

On XX/XX/XXXX ( before the payment was due ) I called XXXX and they agreed to remove the annual fee charge and close the credit card account. I was assured by the Barclays phone rep that the account had XXXX balance and that it was safe to close. 

Several weeks later ( late XX/XX/XXXX XXXX, I happened to check the Barclays app, and I noticed that the card still showed a {$99.00} balance. Concerned, I called XXXX and asked why a charge was showing. They assured me that the app was wrong and that the account had XXXX balance. 

Fast forward to XX/XX/XXXX. I financed a car and was informed by the auto loan company that I did not qualify for low interest rates because my credit score was XXXX. I was shocked as my score has been between XXXX for years ; I have never ever missed a credit card payment. I check XXXX  and lo and behold, my score dropped by XXXX points on XX/XX/XXXX due to Barclays inaccurately reporting a missed payment of {$99.00}. 

I have called Barclays an additional two times since then to get this resolved and each time I was assured that the late payment report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was their error due to a system glitch and that they would get it resolved as soon as possible. However, as of today they have not even removed the {$99.00} showing due on my account! I will also be sending Barclays a certified mail letter on Monday. 

This error of Barclays has cost me both money every month for car loan interest, and also makes it difficult for me to rent an apartment until this is fixed. 

To summarize, I wish to file a complaint against Barclays Bank Delaware for damaging my credit score due to their system glitch then refusing to fix the error after being contacted three times about it ( I will also continue to contact them and follow up on this ). 

Thank you.
Consumer complaint received 2019-06-02
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. (SC)

I am a victim of identity theft. I'm not sure if it was a close friend or family member, or one of the previous addresses that was listed on my credit report that I still received mail at. My personal information was breached on several occasions. Equifax in XXXX, SC tax payers breach in XXXX as well as the sherwood information leak. There are several accounts that were opened in my name that I had no idea of nor did I benefit from, as well as several other attempts to open accounts that resulted in hard inquiries. I sent in a letter to Equifax explaining this and they said they'd open a dispute and get back to me within 30 days. 30 days went by, I called each 3 days in a row after the allotted time, each time I spoke with a representative from XXXX, XXXX, and somewhere else I can't recall but all were located outside of the XXXX and said they were unable to locate what I sent it. How could they in the address I sent the disputes to was to Pennsylvania. I now am filling complaint, resubmitting my disputes and attaching my documents hoping to get a resolutions. PLEASE SEE ATTACHED.
Consumer complaint received 2019-06-02
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. (GA)

I have been a severe victim of identity theft, from taxes being file in my name to fraudulent accounts displaying currently on my credit file. I have taking the liberty to file identity theft report and sent to Equifax Credit Reporting Agency. I was told by Supervisor in the Fraud Department with Equifax. Mr. XXXX in Nevada location. I can have the items in question blocked/Deleted from my file by completing a FTC identity report and sending it to Equifax. Well on XX/XX/2019, I sent the requested theft report and the accounts in question is still showing on my report as of XX/XX/2019. I faxed the document to Equifax using the fax number Mr. XXXX in Nevada location at XXXX. He stated that it will take 5 to 7 days after I send it to be updated in there systems. It has been over a month and the following accounts listed is still showing on my credit file. I am reaching out o CFPB in order to get this urgent matter resolve.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Finance of America Mortgage LLC (CA)

I was approved for a loan and received the good faith estimate. The loan terms subsequently changed XXXX days before the close, but we were past the scheduled close date, my seller was anxious, and my family was staying in a hotel because our house had been sold, we continued to close. We completed the soft close at the escrow company on XXXX XXXX, 2015, and the final close was supposed to be completed on XXXX XXXX XXXX. PMAC lending services failed to fund the loan at this time. They claimed that they were waiting for receipt of an IRS transcript. This document was subsequently received but they still have n't funded the loan. I have been strung along for over a month with excuses and as of yesterday, I learned that they has decided not to fund the loan because they are having difficulty selling the loan. It seems that they have been " stalling '' on the loan close while they tried to sell my loan. It seems that the investor originally slated to purchase the loan decided they did n't like the property for their portfolio ( XXXX condo ), even though this has been known since the appraisal in XXXX. The property appraised above the purchase price and my 20 % down money is fully documented. My seller is obviously as frustrated as I am, and I am now forced to close on a inferior loan immediately because my seller has run out of patience. I will be forced to pay extra finance charges until I can complete a refi which most companies require a XXXX wait period after loan close. I am looking for information on specific protections in place to protect against fraudulent behavior like this.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/XXXX was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.