davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: The Sayer Law Group, P.C. (IA)

I got foreclosed on and Sheriff sale was yesterday. I was given a Writ of Removal to be out of my house in 5 days. 
This loan is about 20 yrs old. It was a HELOC loan that was interest only and upon due date I didn't have the {$19000.00} to pay it and they wouldn't refinance or extend it. I didn't have a payment set up so I didn't pay. It was charged off for years then put back in force and the bank files foreclosure. I called the bank and they were happy to set up new payments. I made those payments until they notified me to stop making payments as they were going to sell the loan. The loan seemed to change hands alot and lots of messages to not pay, also during covid. The loan servicer, who is XXXX XXXX servicing XXXX, account # XXXX and in my attempts early on they were not willing to work with me. Also, there has been discrepancies in the amount I owed. The buyer of this loan sent me to foreclosure and I submitted to the courts for a Forbearance and expected to see a new court date that I never got. Got notice of Sheriff sale and tried to get legal counsel but couldn't find anyone. I am current on my first mortgage but second mortgage completed sheriff sale and I got the Writ that afternoon. 

Can you help, I want to save my house. I fell I was not treated correctly and want legal help to get extension or legal help.
Consumer complaint received 2022-01-18
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

A hard inquiry was made on my credit report today, XX/XX/2021. 

It was made by a government agency - US SM BUS ADMIN ODA I am concerned about fraud involving applications in my name perhaps for SBA loans and COVID disaster relief.

I DIS NOT APPLY for COVID relief or any other SBA loan or program. I AM ATTEMPTING TO contact the SBA and report the fraud, as well as disputing the hard inquiry.
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX 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 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 2022-03-29
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. (OH)

XXXX XXXX Equifax has failed to assure me 100 percent possible maximum accuracy when it comes to my consumer report. They are still violating my rights after the third attempt trying to fix this issue. They are still hosting two tradelines on my consumer report that I have filled an FTC complaint about and a police report and they still have not removed the account from my consumer report. I even have someone on the phone stating that they only can remove an account if the furnisher tells them to. Which I stated that's not how the law works. It is the duty of the furnisher to report accurate information but it is also the consumer reporting agency 's job to assure you 100 percent possible maximum accuracy when it comes to the things on your consumer report. I will attach the FTC report the dispute letter and the police report that I sent to them and a screenshot that these accounts are still on my consumer report. XXXX is willfully being non-compliant pursuant to Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) for not blocking information [ 15 U.S.C. 1681c-2 ] ( a ).
Consumer complaint received 2023-04-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-02-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX keeps putting on my credit profile a delinquent account every month which is hurting my credit score. The offending account is over 15 years old and should not be showing up on my credit report every month as Collection/Chargeoff. 
Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Delinquent AccountTransUnionXX/XX/XXXX Has went on every month for the past several years!!! 
I want them to stop reporting it as Collection/Chargeoff every month as I'm trying to rebuild my credit. This account should be resolved and even if it was still in collections, it should not show up every month as such, as others don't. It's in there one time when it's happening and it's not reported on a monthly basis. 
Thank you
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

in Accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

there are inaccuracies on my credit report i submitted a dispute was never notified of the results so i resubmitted the dispute and Transunion is refusing to investigate and delete the inaccuracies on my report
Consumer complaint received 2022-07-19
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX MTR XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}
Consumer complaint received 2022-03-29
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

According to code, USC 1666B. I did not have my consent to report any payment arrangements. It was made on account. Contacting all three credit bill about same issue. Provided all documents that shows that the reporting agency reported incorrect information no action taken from reporting agencies.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a purchase for {$430.00} for a XXXX on XX/XX/2022, I contacted the XXXX company in XX/XX/2022 and told them I wanted to return the XXXX and get my money back because the XXXX wasn't as described/advertised and it had malfunctioned. The XXXX company refused to provide a return address so I can return the XXXX and they didn't provide my refund. On XX/XX/2022 I spent {$520.00} on auto insurance in which I canceled the insurance by turning in my car plates, the insurance company didn't provide me with auto services so I contacted my bank to put in a dispute and my bank is refusing to provide provisional credit for both claims. I made the debit purchases with Bank of America both transactions were not wire transfers to another bank. On XX/XX/2022 the bank closed my account without notice and they put my claims on hold. I do not like this bank this is bank malpractice that they're committing because although I don't care about not doing business with Bank of America I do want my provisional credits and I doubt they will be in my favor regardless of any evidence I submit because they have a habit of committing business malpractice and consumer fraud. The provisional credit for both transactions is a total of {$960.00}. The Bank is violating banking regulations by not providing my provisional credit and retaliating against me for complaining about them and submitting claims by closing my account without notice and closing it without issuing provisional credits. They can close it at any time Im not dissatisfied with them closing my account however they are a bank service and bank services are not supposed to steal and close it while there are active claims, so I want my provisional credits. I also have a current remaining balance in my account and they haven't sent me a check for it. I have two more disputes of {$65.00} and {$27.00} I explained that I didn't receive services from the merchant for the {$65.00} and {$27.00} transaction I spoke with a representative on XX/XX/2022 around XXXX XXXX, and on XX/XX/2022 around XXXX XXXX I recorded my conversations/phone calls with bank of America XXXX
Consumer complaint received 2022-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}
Consumer complaint received 2020-12-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

Submitted by certified mail identity theft report and request to block certain accounts from being on credit due to identity theft also attached police reports and notarized theft affidavit upon completion they did not block the following accounts : XXXX XXXX XXXX XXXX XXXX Contacted the credit bureau again this time on the phone and I asked for them to correct issue I was told I can not dispute anymore I then told them I put in request to block the info with supporting documentation he put a dispute in instead so once again it was not honored
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (MT)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$49000.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Consumer complaint received 2020-11-25
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. (LA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-02-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in regards of mishandling of our fixed credit line loan by Bank of America. On XX/XX/XXXX, we have signed loan documents on a fixed rate loan from B of A, with an amortization schedule and a Note, reflecting a Principal/Interest payment of {$820.00}. 

However, when we have noticed that our automatically withdrawn payments are all being applied towards interest only, we have started contacting the originating loan officer and the bank 's customer service and research department. 

At first, we were constantly told that our payments are applied towards both principal and interest, as intended at the origination, however, after persisting to look more in depth, the customer service department did in fact confirm that the payments were applied ONLY towards interest, but not the principal. 

After many frustrating and LONG phone calls, on XX/XX/XXXX, we were finally assured that the errors on bank 's behalf have been corrected, and we have been sent a letter and corrected amortization schedule from B of A 's ALS Research department on XX/XX/XXXX. However, when we checked our statement, our XX/XX/XXXX payment yet AGAIN was applied towards interest only. 

We have tried to contact the person who initially stated the corrections were made and assured us that no more mistakes will be seen, and the originating loan XXXXfficer. However, no one has replied to our requests. 
Furthermore, once we called Customer service on XX/XX/XXXX, we were told that not only our past and XXXX payment were applied towards interest only, but our XX/XX/XXXX payment is also scheduled to be applied towards interest only. 

As of right now, on XX/XX/XXXX, we were told that the errors are going to be corrected again.
Consumer complaint received 2019-02-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

I had this credit card, and there was unauthorized charges. I contacted XXXX / Synchrony bank to dispute the charges, and I was told I would be credited, and a new credit card would be sent. I never received a replacement card, however I stopped using the account as there was fraudulent activity, and I didn't want to risk someone using my credit card without my authorization again. The balance is now XXXX on my credit report, however its showing on my account as " Charged off as bad debt / Purchased by another lender ''. My account was never charged off, I never was in collections, and my payments were always on time, with my balance being XXXX. I did not owe XXXX or SYNCB any payments.
Consumer complaint received 2024-02-12
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. (OH)

I have encountered persistent challenges in rectifying unauthorized accounts and inquiries on my credit report, despite diligent efforts to engage with the credit reporting agency. Notably, previous disputes raised pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681c2, which mandate stringent compliance with accuracy reporting and full file disclosures, have been met with inadequate responses from the agency. Despite my repeated attempts to escalate the matter and engage with supervisory personnel within the fraud and dispute departments, the agency has failed to facilitate such discussions, citing internal policies that seemingly diverge from the explicit mandates of federal law.

Under 15 U.S.C. 1681c2, the agency bears a legal obligation to expeditiously block any information originating from alleged identity theft, upon receipt of requisite documentation, including substantiating proof of identity, an identity theft report, specific identification of disputed information, and a formal statement disassociating said information from any consumer-initiated transactions. Notwithstanding the provision of comprehensive documentation, including my driver 's license, social security card, and an FTC report, the agency has regrettably neglected to fulfill its statutory duty within the prescribed four-business-day timeframe.

My paramount concern stems from the agency 's apparent non-compliance with federal statutes enacted to safeguard consumers against the deleterious effects of erroneous credit reporting. As such, I am compelled to signal my intent to pursue further recourse, including, but not limited to, legal remedies, absent expeditious compliance with the mandates of 15 U.S.C. 1681c2. I therefore implore the agency to promptly rectify the identified inaccuracies in my credit report and take requisite measures to ensure future adherence to federal law.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (AZ)

XXXX accout information is to be removed. XXXX and XXXX acted immediately. Equifax is still draggin it out and has not removed the item from my account as the others already have causing me to lose financing for the house my wife and I purchased. 

,