davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On or about XX/XX/XXXX, I began working with my existing mortgage provider ( Bank of America ) on refinancing my mortgage. My loan officer and I engaged in back and forth discussions over the next couple months, which included the bank charging me {$610.00} on XX/XX/XXXX for the processing of the loan refinancing. I provided all documentation that was requested and possible for me to obtain, such as my W-2s, tax filings, home insurance information, however, I began to grow concerned when they indicated that they might not be able to process it because my student loans were in " deferment. '' I explained to them that this was a result of the CARES act, which provided an automatic suspension of principal and interest payments on federally-held student loans through XX/XX/XXXX. I am currently enrolled in the PSLF program. They began asking for various pieces of evidence on not only my school loan payments, but also about my company 's bonus structure and why I got a higher amount at the beginning of year XXXX as opposed to XXXX, which I provided in writing the best I could since I did not make the decision of what I got for a bonus. Additionally, I provided them evidence of every payment I made as part of the PSLF program, as well as all documentation provided regarding the CARES act and how it would pertain to my loan. This was not sufficient, however, they continued to ask questions on how they determined my monthly payment plan, which I explained was based on tax filings, which were already made available to them. In the end, I was unable to obtain the processing because I could not " Obtain written documentation from the creditor verifying : ( a ) Actual monthly payment ; ( b ) Payment status ; ( c ) Outstanding balance ; ( d ) Loan terms '' that were satisfying because that information was {$0.00} due to the CARES act suspension. 

After following up over the past month and not hearing anything, today, XX/XX/XXXX, I found out that they had ultimately denied my refinancing as a result of the loans being in " deferment. '' From everything that I can gauge, the CARES act should not have prevented me from obtaining the refinancing, and I believe that the bank is using that as a reason for me to not have a lower payment. Additionally, I was informed that I would have to request in writing to have the money for the processing refunded, and that they could not guarantee I would even get that money back.
Consumer complaint received 2022-02-04
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 XXXX, XXXX, TransUnion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX )
Consumer complaint received 2020-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

When covid 19 started I contacted Chrysler about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His credit score dropped 20 points. 

I called Chrysler several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. 

I also open a credit report inquiry with XXXX. It came back with no change. 

This is not fair at all. I know the Chrysler system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. 

I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. 

Stop taking advantage of people during covid! 

If you publish this remove my personal information or youll have a lawsuit on your hands.
Consumer complaint received 2020-08-18
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. (MS)

Experian and XXXX are fraudulent on my credit account DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX. XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXXXXXX is fraudulent on my Acct # XXXX. XXXX XXXX XXXX XXXX XXXX is fraudulent on my Acct # XXXX. XXXX is fraudulent on Acct # XXXX.
Consumer complaint received 2022-04-27
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. (TX)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2020-08-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I FILED A DISPUTE OVER CHARGES THAT THIS COMPANY SWINDLED ME OUT OF XXXX. XXXX XXXX LIED TO THE BANK SAYING THERE WAS A PARTICULAR TIME FRAME TO GET A REFUND.I WOULD LIKE MY MONEY BACK AFTER THEY CANCELED MY XXXX OUT OF NOWHERE. 
I MADE A XXXX DOWN PAYMENT ON XX/XX/2020 AND THE FINAL PAYMENT WAS TO BE MADE 15 DAYS BEFORE THE XXXX WHICH WAS XX/XX/XXXX. I HAVE BEEN TRYING TO CONTACT XXXX XXXX SINCE XXXX AND SHE HAS NOT ANSWERED MY EMAILS AND TEXTED AND I HAVE PROOF OF THIS. THE AUTOMATIC SYSTEM CONTACTED ME SAYING MY XXXX WAS CANCELED. I CALLED XXXX XXXX AND THEY TOLD ME XXXX WAS SICK FOR 3 WEEKS! NO ONE FROM XXXX XXXX INFORMED ME SHE WAS SICK AND DID NOT DO THE PROFESSIONAL THING TO LET ANOTHER TEAM MEMBER HANDLE HER ACCOUNTS NOT EVEN HER MANAGER DID THE RIGHT THING TO GET THE PAYMENTS FROM ME. THEY ARE REFUSING TO REFUND ME BECAUSE IT WAS PAST THE 15 DAYS BUT HOW IS THIS IS POSSIBLE WHEN I WAS NEVER INFORMED INITIALLY THAT SHE WAS SICK. I HAVE ALL THE PROOF I WAS TRYING TO GET A HOLD OF HER BEFORE THE 15 DAYS BEFORE THE XXXX. THIS PLACE NEEDS TO BE SHUT DOWN FOR SCAMMING PEOPLE. I WAS FLYING ALL THE WAY FROM NEW JERSEY FOR THIS XXXX. I AM OUT OF XXXX AND A PLANE TICKET! SANTANDER DID NOTHING AND JUST EXCEPTED THEIR LIE ON WHY I SHOULD GET MY MONEY BACK. I WILL BE CLOSING MY ACCOUNT AFTER THIS FOR THE VERY POOR CUSTOMER SERVICE AND PROTECTION ON YOUR CLIENTS.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Fraud on checking account occurred in XX/XX/XXXX through a merchant we have used before in the fall of XXXX. I contacted Bank Of America to advise of fraudulent charges while they were pending and was advised that they would contact the merchant for proof of fraud in XX/XX/XXXX. The advised me to allow charges to clear for claim processing in which fees would be waived. Card was canceled and replacement was issued. Now months later in XXXX, claim was denied and not paid because Ive used this merchant before. I did ask for the proof from the merchant that this transaction was unauthorized and Bank Of America confirmed they will not require proof of fraud from merchant and make decisions solely on timing of reporting and if Ive used this merchant before. No contact was made with merchant to prove the fraud nor after multiple disputes through management on XX/XX/XXXX and XX/XX/XXXX would their be attempts to contact to the merchant to find out how these items were fraudulent. Solely on the confirmation that I have used this merchant before qualifies Bank of America to not do due diligence to protect their customers and prove that items were in fact fraud. This is not only predatory behavior, but also a concern for a consumer who has been with this company for over 15 years.
Consumer complaint received 2020-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AR)

I closed my credit card account months ago and continue to make monthly payments in good faith without being late once. I originally closed the credit card because I was having issues with the company while dealing with rude and unprofessional behavior of the customer service reps. Upon closing my account I was told that I would not have to pay an annual fee or monthly fee because my account would be closed before the one year anniversary date. Fast forward five months layer and Im being charged an annual fee and a monthly fee even though my account has been close for five months. I talked to four different employees from this company. Instead of trying to resolve the issue, they was rude and unprofessional.
Consumer complaint received 2021-02-22
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: Bread Financial Holdings, Inc. (NY)

Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ADS / Community / XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX  They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
Consumer complaint received 2020-08-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

On XX/XX/XXXX, I attempted to break a lease with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I chose to break the lease due to Military Orders, with the clause that is included in the Lease that requires the landlord, by law, to terminate the lease at my discretion with military orders. The management team, specifically, Ms. XXXX XXXX, refused to take an official memorandum, from a military commander, that provided early notification as of XX/XX/XXXX, that lease termination would occur because a pending military deployment to a contingency operation. I was called to active duty on XXXX XX/XX/2019 for a 400 day deployment orders. Ms. XXXX claimed only the actual orders would suffice so on XXXX XX/XX/2019, we provided the copy of the official military orders to the office at XXXX XXXX. We were subsequently charged our entire security deposit, plus an additional {$840.00} and was sent to collection with a noted 18 % interest for late payments. 

We did not pay this because this is an erroneous charge. We consulted with the XXXX XXXX XXXX Assistance team and had a lawyers letter explaining this was a violation of the Servicemembers Civil Relief Act ( XXXX ), and further explained that Texas does not allow for reprisal by a landlord due to the breaking of the lease in this manner. 

The security deposit was taken and claimed that the apartment was dirty on moveout. This was also falsely claimed as we have pictures and statements from the two neighbors who helped us pack and clean the apartment prior to our departure. The XXXX management team refused to do a joint walk through inspection of the apartment prior to our departure or on arrival. Pictures of the apartment at move-in are also available. This adverse credit action in violation of Federal and State law effected my family from moving to another location from our current residence to be close to a medical facility since we have a child with a serve and life-threating medical condition and can not obtain a lease through a rental company regardless of income because of this adverse and erroneous credit action and attempted debt collection.
Consumer complaint received 2022-08-15
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I previously started looking into the report that included false information, and after reading your response, I saw that the report still contained false information despite having a confirmed status. Please validate this account 's status and payment history for me. I think the information being reported by this account is false. I always make my payments on time, so I never had a late payment on this account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the following account : XXXX XXXX XXXX Late Date XX/XX/20
Consumer complaint received 2020-08-18
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. (AR)

I called XXXX  XXXX  to get tv service. While I was trying to set things up, I was told that there had already been an account open under my name and that it had an outstanding balance due. I explained to them how incorrect that information was, but they told me that there was nothing they can do. My identity has been compromised and I decided to get my report pulled to see what was happening. I found several unknown accounts that do not belong to me. Please get these fraudulent accounts off my report. DEPTEDXXXX XXXX {$10000.00} DEPTEDXXXX XXXX {$3200.00} DEPTEDXXXXXXXX {$1700.00} XXXX   XXXX {$4500.00} XXXX XXXX {$4500.00} XXXX {$4000.00} XXXX   XXXX {$4500.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$8300.00} XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX {$240000.00} XXXX   XXXX {$3500.00} XXXX XXXX {$27000.00}
Consumer complaint received 2020-08-26
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX  XXXX {$14000.00} XXXX XXXXXXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}
Consumer complaint received 2022-08-20
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. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Consumer complaint received 2020-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX   XXXX {$3300.00} XXXX XXXX {$370.00} XXXX  XXXX XXXX {$190.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$400.00} XXXX  XXXX {$3600.00} XXXX XXXX {$6300.00} XXXX XXXX {$14000.00} XXXX XXXX {$6500.00} XXXX XXXX  XXXX {$8000.00} XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX {$240.00} XXXX XXXX {$6200.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$120000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX {$85.00} XXXX XXXX XXXX {$2900.00} XXXX XXXXXXXX {$40000.00} XXXX XXXX  XXXX {$3600.00}
Consumer complaint received 2020-08-27
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. (NC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WV)

My mortgage got transferred to a new company. I went to set up automatic payments and get caught up on my loan payment. I set my XXXX time payment for immediate payment and my auto pay for The next month. I got double charged immediately. They carried my auto pay over without telling me. I told the company to stop or cancel payment while it was pending and they refused. They said I have to submit my account statement for a refund. I can not get that until next month. They charged exactly when my statement was released and would not show the double charge until next month.
Consumer complaint received 2021-02-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX| Account Number XXXXxxx XXXX / XXXX / XXXX Account Number XXXX PORTFOLIO RECOVERY ASSOCIATES| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX| xxxxxxxxxxxx XXXX XXXX xxxxxxxxxxxx XXXX I have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX, XXXX and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX  Account Number XXXX**** over my school loans, I attended XXXX XXXX  from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
Consumer complaint received 2020-08-27
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. (DE)

For six months we have been trying to rebuild my credit and have filed dispute upon dispute regarding the reporting of one of our credit lenders, XXXX XXXX XXXX XXXX for a vehicle loan for a XXXX XXXX XXXX. Time and again XXXX XXXX has reported inaccurate information to the Credit Reporting Bureaus. On XX/XX/XXXX we have paid the loan off, yet it is being told to us by the Bureaus that we still owe either {$2800.00} or up to {$8000.00} on the loan that is satisfied Each time that we file a dispute we are told to send in any documentation that we have showing that the information is inaccurate. Each time we have sent information to the credit bureaus and we have sent these disputes via certified mail and have proof of receipt. We have spent nearly {$150.00} over a six month period disputing these claims with no satisfaction.

! - the lender is reporting inaccurately 2 - the credit bureau is refusing to accept any requested documentation to overturn the lender inaccuracy 3 - the resulting issues are detrimental and damaging to my credit score and being reported inaccurately and falsely