davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
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 (OH)

Bank of America negligently and with malfeasance is not mailing statements. My billing cycle ended XX/XX/XXXX. The bank has not yet sent out a statement, even though it is not almost a month, but also because the payment due date is today, XX/XX/XXXX. It is impossible to reconcile my receipts with statement charges unavailable. I believe that Bank of America is doing this to 1 ) Increase its fee revenue by customers not knowing how much to pay & how accurate the charges might be. 2 ) Force customers to switch to electronic delivery from printed statements 3 ) Because of its failure to maintain systems for its customers. In any case, Bank of America is discriminating against the elderly, the disable, the poor with its intentional anti-consumer behavior. Many of us do not have I-phones and can not utilize apps. Some of us do not have regular computer access or computer skills to bank online. I had to spend considerable time and effort, navigating complicated menus, in telephoning the bank to even find out what the non-existent statement balance is, But, the bank ; s customer service refused to read the individual charges to me. The bank declined to state what the problem is, but acknowledged that countless number of consumers have also not received their statements. So, I am being forced to pay today an unverified amount in the hundreds of dollars, simply to avoid late fees and interest charges. Bank of America, with record earnings, is screwing the consumer public by its nefarious games.
Consumer complaint received 2021-01-22
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: Credit Corp Solutions Inc. (MA)

Credit corp solutions keep calling me and threatening to take legal action on a debt that they have not provided verification for. I have asked in writing and over the phone multiple times for verification that they own the debt and have the right to collect the debt along with the original car holder agreement signed by me that binds me to the debt. However, they have not provided me with this and it has been months now. I sent them a letter dated XX/XX/XXXX requesting this information and still have not received it. This was sent certified mail so I know they received it. When I received mail from them they sent me a letter claiming that the cardholder agreement is in the package however it is not there just account statements. They can not provide me with documentation proving they own the debt either. Every time they call from different phone numbers making it impossible to know when it is them calling. They have also made comments about how this would affect my credit and asking if I have looked at my credit lately. Using scare tactics to try and get me to pay a debt that they can not validate. They make a claim that I owe them {$1600.00}.
Consumer complaint received 2022-09-26
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. (TX)

That, i am a natural person. i am a living human being, spirit. i have rights under USC 1681 ; That, Experian is governed by 15 USC Section 1681 and they violated my rights numerous of times ; That, I demand the accounts listed below be remove because according to 15 USC Section 1681, I have the right to privacy and I did not give Experian written permission to furnish these accounts ; That, In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 ; Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Bank Account XXXX XXXX Account Name : XXXX XXXX  Account # Unknown Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX ( XXXX Only ) That , 15 USC Section 1681 Section 602A states that I have the right to privacy ; That, 15 USC Section 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written [ expressed consent ] instructions ; That, 15 USC Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes antedates the report by more than seven years ; That, 15 USC Section 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ; Affiant further sayeth not. 

/s/ XXXX XXXX XXXX Representative for XXXX XXXX
Consumer complaint received 2022-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting XXXX account # XXXX, XXXX  account # 's XXXX and XXXX, XXXX 's account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX XXXX account XXXX XXXX XXXX have violated my rights. 

15. U.S.C 1681 Section 602A. States I have the right to privacy 15 U.S.C. 1681 Section 602A, Section 2. It also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2021-03-28
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: Experian Information Solutions Inc. (TX)

I opened an account with XXXX now also known as XXXX XXXX XXXX back inXX/XX/XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.
Consumer complaint received 2021-03-28
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: Experian Information Solutions Inc. (PA)

XXXX XXXX Has been reporting a charge off on my report without every sending me any information. I have reached out to all three credit bureaus with several dispute letters and have yet to get the inaccurate account remove. I have contacted the bureaus asking them to explain to me how did they go about verifying this account, as well as contacting XXXX XXXX several time asking to be sent the documentation with my original signature on it, or anything verifying that the accounts is mine. Both the creditor and bureaus have denied me my rights.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (CA)

PenFed mortgage is not reporting mortgage payments made to credit bureaus. It claims that they were in the process of converting to another platform and had technical issues. I have since been locked out of my online account access and have called several times to rectify. I am now in the process of a mortgage refinance and the payments made to Pended during their conversation period are not appearing on my credit reports. On my final and most recent call, I was told that the payments not appearing would be rectified. I have yet to see that effective on any of my credit reports. This has hindered my ability to seek credit and establish any new loans.
Consumer complaint received 2022-09-26
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. (FL)

TransUnion is in violation of 15 U.S.C. 1681 ( I ) of the FCRA. On XX/XX/2022 I disputed the following account with TransUnion : XXXX XXXX/DOCKET NUMBER XXXX. After receiving no response from TransUnion I filed a CFPB complaint ( case number : XXXX ). On XX/XX/2022 TransUnion responded with an erroneous and improper response, in fact they also added other disputes that were not included in my complaint. I also received a stall letter from TransUnion on XX/XX/2022 stating ; they were unable to determine the nature of my request or my request was ineligible. HOW CAN THAT BE BE WHEN THEY PROVIDED THE CFPB WITH AN ERRONEOUS RESPONSE? Attached is proof that TransUnion failed to do an investigation and violated 15 U.S.C. 1681 ( I ) of the FCRA. TRANSUNION CONTINUES TO PROVIDE FALSE INFORMATION TO THE CFPB AND AND CONTINUALLY FAILED TO DO A PROPER INVESTIGATION AS THEY ARE REQUIRED UNDER THE FCRA FOR THE FOLLOWING ACCOUNT ; XXXX XXXX XXXX/ DOCKET NUMBER : XXXX.
Consumer complaint received 2022-09-26
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: American First Finance, Inc. (PA)

I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within two days ( 48hours ) from an agent from the billing department. I was never contacted, rather late payments were reported to my XXXX and XXXX consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.
Consumer complaint received 2021-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I opened an account with XXXX now also known as XXXX XXXX XXXX  back in XXXX and the items all had insurance. My home was broken into and the item was stolen. As A result the insurance company paid the account off and the company still reported the balance to my credit file. I have submitted several disputes with no resolve, I was able to reach someone in upper management and she informed they will request to have this account removed from all of the credit reporting agencies and as of today the account is still actively showing on the credit report. This account for XXXX Now should be completely removed. i have attached the police report and also the letter showing the company has agreed to have this account removed.
Consumer complaint received 2021-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS LENDING CORPORATION (CA)

I was charged for the property tax in the amount of XXXX by Nations Lending Corporation on my refinance with them but the property tax has already been paid by my old mortgage company. 
Over the phone, the Nations Lending mortgage company agent told me that the amount will be refunded to me but I still have not received the refund in spite of multiple communications with them and the Escrow Company which is XXXX XXXX.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

XXXX Contract Agreement fails to include disclosures required by the FCCPA ( I.e., Amount Financed ; Finance Charge ; Annual Percentage Rate ; Payment Schedule ; Total of Payments ; Total Sales Price ; Prepayment ; Late Payment ; Security Interest ; Contract Reference ; Itemization of Amount Financed )
Consumer complaint received 2022-11-30
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: AES/PHEAA (PA)

In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt out, this company furnished my nonpublic personal information to nonaffiliated third parties ( i.e., XXXX, XXXX, and XXXX ). With that said, this company has not only infringed on my rights to privacy but also violated multiple federal laws.
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA (NC)

I applied and was accepted for a {$29000.00} personal loan by XXXX by Goldman Sachs on XX/XX/2022, for which I had funds deposited directly to XXXX credit card accounts as well as my personal checking account as there was a requirement to send at least 70 % to credit card debt. I noticed on XX/XX/2022 that the {$14000.00} sent to XXXX XXXX had not been applied to my account. Upon further investigation, I realized that I input the incorrect account number ( the virtual card number for XXXX XXXX used to make purchases is not the actual credit card account number ). Once noticing my error, I contacted both Marcus Customer Service and XXXX XXXX Customer Service on XX/XX/2022. XXXX XXXX told me that since the funds were sent to a unique account number which is only used for purchases and is not assigned to another XXXX recipient account, it will most likely be returned to the originator. Marcus Customer Service let me know that it is too late to do anything and that my loan funds were already sent, offering no option to me or any knowledge whatsoever that the funds will be returned or the matter will be reviewed further. 

I will not be paying on a loan for partial funds which were not applied, and I am going through the avenues as soon as possible for documentation and tracing purposes. I sent a formal letter letting Marcus know of this issue dated XX/XX/2022, which I have attached to this complaint.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AL)

I have been trying for almost a year to view a copy of my Equifax score and report and I am unable to. I have contacted them by phone several times sent in what they asked for and still I can not view my report and neither can lenders. I never requested for any kind of freeze or any hold to be put on my credit report. and this is information that I need because I am trying to purchase a new home. I am begging for someone to help with this because my calls and doing what they ask me to do is not getting me anywhere. I recently called and was told I would receive a email with case number and a call back and never received anything, I need access to my credit report, that is all I want. If I am continually denied access I will have hire legal representation to assist with this matter.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2021 I tried to send money thru my PayPal account. On I noticed on XXXX XXXX, XXXX  that it still did not clear. Out of concern, I sent a message to my bank, asking them to release the hold. They did, replied to my message to confirm that I could see it. 
I asked PayPal ( who ONLY responds after using multiple " self-helps '' and I pressed further to have a CSR contact me ). 
As of today, PayPay STILL has not released my transaction from their " Pending '' status. They refuse to move it, to pay it out. I contacted them again yesterday, the only method they use. They give the same story, blaming it on my bank. This is the last message they supplied : " Heres how to view the expected clearing date of your eCheck : Click Activity near the top of the page. 
Click Details next to the eCheck to see the transaction details.

You can find an estimated clearing date for the eCheck near the payment status on the Activity page. 
eCheck process> I do appreciate your time and I hope I could have solved your concern. Remember we are always here to support you on every question you have. 
XXXX XXXX  - XXXX '' XXXX XXXXTheir links don't show anything I can't already see. There is NO eCheck to click on. There is NO " details '' button. 
They are making interest off my transaction! This isn't right! 
My point is : Make PayPal release this transaction- now.
Consumer complaint received 2022-09-26
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. (TX)

Hi I am submitting this 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WV)

Every couple years, debt that is not mine is sent to a new collection agency. I fight it, it is found to be in my favor, and is deleted from my credit report. It has happened again with Credence Resource Management regarding the same cellular phone bill for {$1200.00}. All they have done is send a paper stating that they feel I owe it, which I do not. This account has been proven numerous times to belong to a former family member with a similar name. My name is XXXX XXXX, whereas this belongs to XXXX XXXX. Due to the similarity, I do understand the confusion, but this debt simply is not mine. PLease once again delete it.
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE (FL)

In the middle of XX/XX/2020, I received a settlement offer and paid what was requested in the settlement offer. When I checked the company website they subtracted the amount that I paid from the original amount and still show me as owing money instead of paid in full as per the settlement letter that I received. 

This company has not reported this payment and or settlement offer to the original creditor. I also note that a second collection agency in on my credit report for this exact same charge and refuse to remove the charge.
Consumer complaint received 2023-06-10
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: Block, Inc. (CA)

On XX/XX/XXXX I purchased a electric guitar for {$66.00} for XXXXXXXX that was advertised on XXXX I checked the tracking number and the shipping company couldnt confirm the number was valid I canceled order after that and requested a refund from cash app and they denied refund request XXXX have not responded they have been flagged as a scam by scam report
Consumer complaint received 2022-10-08
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. (CA)

The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX XXXX XXXX that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.