davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (GA)

Had a legit XXXX deposit deposited into my account. For days it sat as a ledger balance instead of available balance then suddenly bank decided that it was no good sent it back without telling me. Other issue is connecting bank with other apps. PNC will let a few go but the majority its stopped it from linking up
Consumer complaint received 2020-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

This is in response to Trans Union response for complaint # XXXX. that they are still working on problem from initial dispute. That it may take up to 60 days. 
Transunion dispute has no active disputed being performed that initiated in XX/XX/XXXX going forward. this is stated in the Dispute center at transunion it says no open disputed. 

Let me be clear FCRA say 30 days to investigate and if the furnisher or consumer provides additional information than a extra 15 day. The Dispute was signed for on XX/XX/XXXX. The furnisher provided no extra information, Better yet the furnisher said they don't do investigation or report to the Credit Bureau. So Transunion was in violation on the 31st day for failure to complete investigation. FCRA says the remedy for that is DELETION of negative item. It is to be removed from Credit Report. 
They are also in violation for reporting false information willfully and negligently. 

In this case we are talking about the Public record that Transunion failed to investigate. So for Transunnion to say they are still working on the problem they are lying and Time is Up. Transunion needs to DELETE PUBLIC RECORD IMMEDIATELY. I have everything well documented and will file legal action
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I am trying to purchase a product online and was given the option to pay via XXXX a payment every month. I chose that option and proceeded to enter my information and connect my bank account and then it gave me an error. The error says " PNC has made a change that prevents you from being able to link your accounts. '' I was then told to file a complaint, which I did. I have attached a screenshot on the bottom.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I used to do all things financial with USAA. I had an EDUCATIONAL IRREVOCABLEFOR {$25000.00}. This trust account was set up in my name XXXX XXXX XXXX and the trust was for my son XXXX XXXX. I and only I would be in charge of trust monies until XXXX reached age XXXX. If educational funds are still available ( in 2020 ) then money will be distributed as I see fit to XXXX ( my son ) and my XXXX grandchildren as well. 
Every time I have attempted to find out what on this earth is going on with Trust through USAA, the guilty thief of my sons trust gets a elder abuse restraining order and therefore halts my right to go against her financially until order is up. USAA has treated myself and this rather spend major error on there part, its a dis tase. My grandfather was an original CHARTER MEMBER of USAA. At this point I need to know exactly what and how and whom to deem financially and criminally responsible. I learned that my mother, XXXX XXXX XXXX is, in fact, responsible for identity theft, for forgery, and I am sure a sleigh of other charges. She apparently did this trust change with one simple fax stating the I ( XXXX XXXX ) was removing myself ( irrevocable means can not be altered in any way ) from MY SONS, educational trust, replacing myself with my mother, for absolutely no good reason. At which point as soon as she is granted access to the trust she electronically has the entire amount of XXXX transferred into her private/personal bank account, and promptly spends every dime on herself, XXXX, XXXX. Not only did trust go missing, XXXX gained access to all my email addresses, and locked me out of all of them. She posed as me and closed, borrowed, spent, traveled, all on stolen money from mine and my sons Banking and trust account. I have been unable to view my old statements from USAS due to fact XXXX XXXX keeps intercepting my phone calls, my mail, my emails? I am currently and in recent past attempted to file identity theft, among other charges, against XXXX. She has with ill intent kept my private and personal documents, birth certificate, SS Card, car title, my sons same info. I changed address several times, she keeps changing back!! So, this is my first USAA rather LARGE AND IMPORTANT dispute. Its not ok to steal, make false allegations to obtain the law to be there muscle in illegal behavior. I have 2 other disputes, seperatly
Consumer complaint received 2020-04-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax is XXXX disrespecting me as a XXXX Consumer, for several years these XXXX XXXX   tactics have been implored by XXXX  personnel within Equifax in an effort to suppress and sabotage my XXXX buying Power. On XX/XX/2020, I Sold and Closed on my at XXXX XXXX XXXX, XXXX, GA. XXXX. I had a Equity Loan with XXXX XXXX XXXX XXXX, theyve got their XXXX pennies, ( Money ) and I found out through XXXX XXXX  that theyve ( XXXX XXXX XXXX XXXX ) Reported to Equifax that Ive XXXX  Paid-in-Full this little XXXX Equity loan, but the XXXX XXXX XXXX   at Equifax refused to update this XXXX XXXX ( LOL ) on my Equifax Credit report! Im contacting the CFPB to be that XXXX third-party link when I take these XXXX  XXXX  to Federal court, Ive got the Financial Resources to legally FIGHT back and expose the XXXX against the me and other XXXX Consumers. I walked away with {$100000.00}, theres XXXX Consumer attorneys here in XXXX ready to dance to my music, that XXXX  Dollar, WOW, Nobody is Stopping me! Im in charge Now!
Consumer complaint received 2020-04-25
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. (TN)

Transunion has refused to do a proper investigation into fraudulent inquiries reporting on my credit report and providing proper valid verification for the following fraudulently inquiries : 1. XXXX ( XX/XX/XXXX ) 2.XXXX  XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4.XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6.XXXX XXXX XXXX ( XX/XX/XXXX ) Verifying saying this is my debt when its not according to section 606 of the FCRA is a violation of my consumer rights and could result in a serious fine. This must be removed from my credit report immediately. I provided my identity theft report twice without response.
Consumer complaint received 2020-04-25
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. (TN)

On XX/XX/2020 I filed a dispute with Experian and XXXX  about a XXXX XXXX Credit card opened fraudulently in my name. I uploaded a copy Of my Identity Theft Report only for it to come back remains on report on XX/XX/2020.
Consumer complaint received 2020-04-25
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: Experian Information Solutions Inc. (CA)

Issue is with Experian credit reporting Experian 's report was the cause of a declination/loss.

Their website is very deceptive and misleading. They purposely bait consumers into enrolling in a program which eventually results in a fee. 
It is very hard to find the actual link to obtain my credit report after they were the reason for the declination. 

Furthermore, they have unreasonable requests that creates an undue burden on the consumer. Other reporting agencies do not have these issues and have very clear and concise pathways to get a free credit report with out enrolling in their subscription. 

Experian, through misleading offers, almost forces you to enroll without a clear disclosure. 

I find their processes, very burdensome almost to the effect that its not worth wasting my time with them, and i'm sure that is what many consumers are left with - unreasonable demands and web offers that tire them out from reaching their goal - to simply review their report and score. 

This organization is purposely misleading the public and needs to be addressed through penalties, etc.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is my understanding that one late student loan payment can drop your credit score almost 100 points. I had 17 late payments on my two loans, that were errors acknowledged by XXXX. 

On or around XX/XX/XXXX, XXXX submitted a correction to the CRA 's to update my accounts. The following late payments were removed and to be marked as current : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX from each loan. That equals the removal of 16 late payments ; which appear to be reflected on my accounts with each bureau. 

However, my score has not changed at all? My payment history % has improved significantly ... .but my score has not. 

I was expecting to see some increase in my score and was hoping you could provide an explanation as to why there was no change. 

Thank You, XXXX XXXX
Consumer complaint received 2020-04-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (GA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

As of today XX/XX/2020, I noticed my Bank of America account was $ XXXX. Apparently a hold was placed on my account for no reason and I had no notification of it doing so. Please help me get my money back because my paycheck just got deposited there tonight and theres no need to freeze or put a hold on my account.
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I went online this month, XX/XX/2020, and initiated multiple online bill payments from XXXX XXXX XXXX  for Additional Principal Payments to my Carrington Mortgage Loan. Each of these payments were subsequently misapplied as regular monthly payments, despite the phrase Additional Principal Payment written in the memo section of the XXXX XXXX XXXX  bill payments. I have physical documentation of said written memo section from XXXX XXXX XXXX  for each of my additional principal payments. 

I have had multiple additional principal payments to my Carrington Mortgage Loan misapplied as regular monthly payments, and this constant, ongoing misapplication of funds has become an ongoing pattern with Carrington Mortgage Services , LLC . Calling and faxing to correct these issues each time they happens has been cost me my time, additional unnecessary interest expenses, in addition to a complete breakdown in trust in Carrington Mortgage Services, LLCs ability to reliably service my mortgage. Carrington Mortgages misapplication of funds has been an ongoing, aggravating issue that seems to have no end.
Consumer complaint received 2020-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

From XX/XX/XXXX to XXXX did not receive any transcation through XXXX XXXX XXXX from senders. 
1. XX/XX/XXXX {$840.00} 2. XX/XX/XXXX {$19.00} 3. XX/XX/XXXX {$100.00} 4. XX/XX/XXXX {$5.00} 5. XX/XX/XXXX {$5.00} 6. XX/XX/XXXX {$91.00} 7. XX/XX/XXXX {$180.00} 8. XX/XX/XXXX {$18.00} 9. XX/XX/XXXX {$1.00} 10.  XX/XX/XXXX {$20.00} 11. XX/XX/XXXX {$150.00} 12. XX/XX/XXXX {$100.00} 13. XX/XX/XXXX {$150.00} I linked my email address as the primary XXXX account number since opening the Chase account and never changed. But during that periodI did not receive any transactions from senders. HoweverI received all the email from Chase Quickpay team.

I have called Chase customer service many timesone of the represenstitive said my XXXX was under a different persons bank account and money was sent to him. Other represenstitives told me to ask senders to cancel that transactionsbut all failed to cancel. 
It is so hard to call the customer serviceI repeated the problem many timesbut not be solved.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the XXXX XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (SC)

I am applying for XXXX and other loans. I need my experian credit account unfrozen. XXXX will be checking my credit. I sent a letter with copy of social security card, my drivers license, and a bill last week. They have still not removed the freeze and there is no way to contact them via phone.
Consumer complaint received 2020-04-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Primary Financial Services L.L.C. (AL)

This is XXXX XXXX I am struggling right now to make my house payment sense the COVID 19 we have been on short time not getting overtime at work not even working a full week now and soon we might be laying off. I got a letter from my mortgage XXXX saying I owed for XXXX and XXXX in the amount of XXXX that amount includes XXXX late charges and XXXX in other fees as noted. They said partial payments would be returned!! They said they were trying to help me but how when they are still charging me late fees?
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE
Consumer complaint received 2020-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE
Consumer complaint received 2020-04-24
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS THAT ARE REPORTING LATE PAYMENT HISTORY WHICH ARE IN ERROR. I HAVE NEVER BEEN LATE ON ANY OF THESE ACCOUNTS, SO PLEASE AMEND TO SHOW NEVER LATE. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. THERE ARE FIVE 30 DAY VIOLATIONS COMMITTED BY YOUR AGENCY THUS FAR AND IN DIRECT VIOLATION OF THE FCRA. PLEASE AMEND THE BELOW ACCOUNTS TO HAVE THE LATE PAYMENT HISTORY SO SHOW, PAID AS AGREED/NEVER LATE
Consumer complaint received 2020-04-24
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 am requesting that Transunion send the documents they have on file that proves the validity of the accounts. If Transunion is unable to provide substantial proof of verification I would like the inaccurate and unverified accounts to be deleted immediately
Consumer complaint received 2020-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc. (MD)

Company name : SoFi I am trying to close on a refinance mortgage loan with SoFi. I have requested accommodations for an e-closing and hybrid closing due to the COVID-19 pandemic, but the company has refused to accommodate the request. They have not provided information as to why. Per XXXX XXXX and XXXX XXXX guidance, these accommodations should be allowable especially given the circumstances. These are unprecedented times, and I would like to reduce time and contact with the notary. If this will not be allowed, then I would like an explanation as to why. I requested this information multiple times, but have yet to receive an explanation as to why. 

Here is my request time line with SoFi. All requests were and responses were done via e-mail : XX/XX/XXXX - Requested information on e-closing XX/XX/XXXX - Denied request for e-closing by XXXX XXXX XX/XX/XXXX - Requested a hybrid closing XX/XX/XXXX - Told that hybrid closing option " may work '' by XXXX XXXX XX/XX/XXXX - Told by XXXX XXXX that they are still looking into the hybrid closing option XX/XX/XXXX - Requested hybrid closing again to XXXX XXXX, XXXX XXXX, and XXXX XXXX   XX/XX/XXXX - Told by XXXX XXXX that they will continue to look into the hybrid closing option. 
XX/XX/XXXX - Informed by XXXX XXXX that this accommodation was denied. No explanation was provided. 
XX/XX/XXXX - I requested further explanation as to why this accommodation can not be made, but no response has been given and closing is next week. 

**Expected closing date is XX/XX/XXXX - I would still like to have a hybrid closing completed. 



Thank you.
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have incorrect information on my Experian credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. Experian has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Consumer complaint received 2020-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX I made a {$300.00} Zelle transfer thru XXXX XXXXXXXX XXXX App. The person I was sending money too was named XXXX and his email was XXXX. I was ordering a XXXX XXXX XXXX XXXX from him. Once I sent him the money he told me he would mail it out first thing on that following Monday morning and that he would send a confirmation email plus tracking number. Since that day I have not heard from this person, he is not responding to my texts, he has not returned my calls, nor answering my emails. Oh boy, I think I was scammed! I have already contacted Zelle and my bank 's recall team but they said they could not help me.