davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
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)

The company initially gave me a 72 month loan at $ XXXX monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history
Consumer complaint received 2022-09-12
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX  # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit file immediately.
Consumer complaint received 2024-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (NY)

My private student loan has been completely paid off through XXXX XXXX. EDFinancial has picked up the loan and is claiming that I owe them the entire amount, which never existed through them or federally. I have filed a complaint with them which should have receieved a response by XX/XX/XXXX but has been ignored. I do not owe them any money as I do not have any federal loans.
Consumer complaint received 2020-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2020 a fraudulent charge was made on my Barclays XXXX XXXX credit card. This was discovered and reported to the card company on XX/XX/2020. The credit card company refuses to accept the dispute via their web portal, XXXX the phone claiming their dispute department was not taking calls. Their web portal also did not allow for submissions due to errors on the site. Company request a dispute be faxed or emailed In. Fax was sent and electronic confirmation of fax receipt was received, however company refuses to acknowledge receipt. Customer service is of no help. Providing different instructions on each call. This avoidance tactic seems to be common practice as indicated by numerous reviews on trust pilot and consumer affairs review sites. Meanwhile the company continues to charge late fees and reportnegative payment events to credit bureaus. Fraudulent balance was eventually paid by me to avoid continuing adverse impact to credit score. A ny state attorney general complaint has also been filed. Disputed have also been filed with XXXX  and XXXX  and the offending card has been cancelled.
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

recently took a mortgage loan through BOFA ihave attached the lending officer details. 

1. Just before my closing date on XX/XX/2024 they changed the seller credit and reduced it by XXXX $ without informing me or anybody on the buyer side, looks like they working with seller behind the scene to make illegal money without any transparency. 


2. Even after multiple emails and call, they did not provide any update and my closing was delayed, costing me XXXX $ oer day. I literally has to call 50 times and 30+ emails to them, they barely replied 1-2 times.

3. It disturbed my mental peace, cost my time and money.

4. They never even offered a sorr, or acknowledgement of the behavior. They talked very rudely to me causing almost mental broke down. 
They nvere covered any of the cost that i had to pay to seller because of delay from BOFA side.
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (NV)

I would like to file a formal complaint against PayPal. On XX/XX/2020 I used their app, to receive money from a client, I am not a seller. This is a payment for services not for goods. However, this app could not make that distinction. I was not aware of the 21 day hold, apparently this is a PayPal policy that if you are a new customer. I called customer service so I can explain the nature of payment, no agent available. I paid an initial fee of {$3.00} for a {$100.00} payment but have to wait 21 days. It is now XX/XX/2020, hold is over. However, when I tried to transfer this money to my bank account, PayPal is charging another 1 %, or free but have to wait another 3 days. I was looking at the community posts and it seems to be that this is a " systematic '' problem with PayPal ; not able to distinguish between services and goods, charging initial fees, unreasonable hold of 21 days without prior notice before using their service, charging another 1 % when the hold is over and you want to transfer money same day, additional 3 days to get money for free, and no customer service agent available to talk to. I understand that their services are not free, I am willing to pay fees, but not for 21 day hold and additional 3 day hold. Please help us, there are so many of us.
Consumer complaint received 2022-06-28
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 — 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 2021-10-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (NY)

I received debt collection notice from alleged company " Professional Account Management LLC '' dated XX/XX/XXXX for an amount of {$79.00} claiming [ they ] have been retained by the New York XXXX XXXX XXXX 
In the notice was listed my NYS License plate number with toll plaza numbers from a trip I took in XX/XX/XXXX. 
Knowing I did not have an outstanding balance on these tolls, I confirmed this by contacting the XXXX XXXX XXXX and also their collections department. I was assured that I have no account balances related to my plate number, and that no accounts were sent to collections on record. I was also told that XXXX XXXX does not retain the company " Professional Account Management '' for any of their debt collections purposes. 
I also confirmed with my checking account statements, the XXXX payments made by me directly to the XXXX XXXX XXXX in XXXX which satisfied my outstanding balance of my toll violations for this trip in XX/XX/XXXX. 
Upon searching for this company 's website I discovered that my debt collection notice lists a completely different website, phone number, and address than the apparent legitimate company by the same name, which is also debt collection company. No queries of my license plate numbers to the latter produced any record of accounts. 
When I called the number on my notice to directly confront a representative I was given no resolution but only a demand for more of my personal information, and was told that the information she was able to access from her system indeed showed that this is my debt and was opened by XXXX. The representative refused to give me her full name. She refused to provide an address for the company other than the XXXX XXXX XXXX listed in the notice ( XXXX XXXX XXXX XXXX, WI XXXX ). 
She refused to speak jointly with the XXXX XXXX when I offered as a way to mediate the conflict. 
I believe this is a debt collection scam fraudulently using my name and information as a way to extort money from me and I fear the repercussions to my credit as retaliation non payment of a debt I do not owe. 
I have proof of payment for alleged debt and confirmation from the XXXX that they do not retain this XXXXbased company for outstanding collection services
Consumer complaint received 2024-09-20
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (NJ)

In XXXX XXXX  and XXXX  changed their website for payment from XXXX to XXXXXXXX In XX/XX/XXXX I never received my on line reminder so I called an they reversed fee. Once again I did not receive my on line reminder but told them that TODAY and I was informed that the online account was changed. When I asked about a reversal of fee they informed me it was only 1 for 12 months. They never informed me of changes prior to today. The supervisor XXXX was awful. I told her that I travel lot because I am a caretaker and relied on the email reminder. She didn't care because that's the policy. I have had this account I'm good standing since XXXX. This problem has occurred due to the changes made by the company and not informing the account holder is wrong. 
XXXX XXXX
Consumer complaint received 2019-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NC)

I notified Netnet in XX/XX/XXXX that I was entering into Chapter XXXX bankruptcy. My lawyer also included Nelnet in bankruptcy. Per Nelnet Legal Department and website account my student loans will deferred to XX/XX/XXXX. My bankruptcy was completed in XX/XX/XXXX. Nelnet took the deferment off my account after the bankruptcy ended. I did notknow the deferment was removed from my account and Nelnet near sent me a statement for payment. I ran a credit report and I noticed that Nelnet had reactivated my account. My credit report states I have 5 late payment accounts with Nelnet. I called Nelnet to see what was go on with my account and I was told my payments restarted when the bankruptcy ended. Since I paid my bankruptcy off before XX/XX/XXXX my account was reactivated before the estimated date of XX/XX/XXXX. I have since be consistent with my Nelnet payment plan. I wrote Nelnet a Goodwill letter asking for these late payments be removed from my credit report due to I would have not been late will payments if I was notified the accounts were reactivated.
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (SC)

i am my brothers payee for his social security benefits i applied for a replacment card in XX/XX/2019 they gave me a hassil and said i need to send my social security card and goverment id for me and my brother which i did and i never heard back from them so i called agin and they gave me the run around and wanting me to send my information agin i said know because now im getting scam emails from direct   express which they said they dont sent emails but told me to email my information i went to XXXX sc socail security office and the agent called direct express and they gave her the run around and finally told her the card will be in my mail box in 7-10 days it never came so i called to XXXX again they were rude which they always are so i called XXXX sc social security office and they said its nothing they can do need to call XXXX  sc so i called the federal social security at XXXX and explained my situation so the agent called direct express he had me on three way direct express agent was rude and said they cant send the card or give out any information tome with him on the phone so i called back and they tried to get me to send my information agin i said no this a scam then they claim they sent the card and its been used which i never gotten
Consumer complaint received 2019-01-22
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: Experian Information Solutions Inc. (OH)

Experian is refusing to follow the law which is robbing me of my right to have " accurate, complete and verifiable information on my credit report. 

The FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) states that they must provide me with " a description of the procedure used to determine the accuracy and completeness of the information '' also A third party furnisher of information does not meet the standard set forth by the FCRA. Section 611, ( 6 ) ( B ) ( iii ) says that " ONLY the Bankruptcy Court should be the furnisher '' of information, not a third party source. I have requested their Method of verification three times, they have refused only to reply with " verified '' The last correspondence from Experian states " The company that reported the information has certified to Experian that the information is accurate '' but they refuse to disclose the name and address of the verifying company as required by law.

The Law says " ONLY THE COURT SHOULD BE THE FURNISHER '' The documentation ( which I have furnished to Experian three times ) from the UNITED STATES BANKRUPTCY COURT and signed by The case administrator supervisor which states that " Their office does not report ANY information to the credit reporting agencies '' making it impossible that Experian has followed the law and are responding to my good faith inquiries with inaccurate, incomplete and unverifyable information. 

Both XXXX and XXXX  have also investigated this and agreed the information is not varifyable and have deleted it. 

I have just once again completed a call with an Experian supervisor ( XXXX ) who has assured me that they are required to follow procedure ... EXPERIAN PROCEDURE, NOT THE LAW! 1 hour 22 minutes in which the supervisor " XXXX '' hung up on me. 

She also is either misinformed or telling a known untruth that a chapter XXXX bk is not required to be reported for seven years but allowed to. No information is required to be reported. Training of employees is a good idea. Supervisors should be knowledgeable of procedure, law and be truthful.
Consumer complaint received 2022-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022 I got a series of emails from Bank Of America stating an account had been opened in my name. These emails were true emails from Bank of America. I have never requested or banked with Bank of America. I tried to contact to close it but could not get anyone on the phone.
Consumer complaint received 2022-09-12
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: OPTUM BANK, INC. (VT)

My employer 's payroll company required that my XXXX change from XXXX XXXX XXXX Optum Bank. I opened account and initiated a trustee to trustee transfer. Optum required identification verification. I missed the first email and then took too long getting info to them, they closed the account. Calls were made to find funds deposited into Optum account. XXXX deductions they received went back to XXXX XXXX and were included in my pay. Optum told me that transferred funds went back to account of origin. XXXX claims not to have received them. Optum claims not to have funds either. Last verified record of the money was check # XXXX for {$1600.00} from XXXX  to Optum sent XX/XX/2022. XXXX  sees that check was cashed on XX/XX/2022. The Optum account was closed on XX/XX/2022. No one admits to having record of that money since. I have made many phone calls over the last 7 months trying to find my savings and transfer it to my new, self-administered XXXX  with XXXX. I have hospital bills due and have not been able to access the money I saved. Please help! 
Sincerely, XXXX XXXX
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent a dispute to the credit reporting agencies requesting proof of each account as well as a fair investigation for each account. On XX/XX/XXXX, the disputed items came back as verified. XXXX, Equifax and XXXX has not properly verified a bankruptcy record on my credit reports. The bankruptcy record is inaccurate and is found to be incomplete. An affidavit ( a sworn statement of facts ) was sent to the Federal court asking them if any information was released to the credit reporting agencies. I sent XXXX, Equifax and XXXX  a notarized Affidavit and correspondence directly from the Federal Court stating that no information has been given to them. If the agencies did not verify a bankruptcy record with the courts, how did they complete the investigation? This investigation is incomplete. If the court did not send them information on the bankruptcy record, then my disputes were not properly verified. I do plan on taking legal action per [ 15 U.S.C. 1681i ], Section 611 ( 5 ) ( A ) ( i ) If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. This inaccurate and incomplete bankruptcy record is causing me unnecessary financial hardships due to the incomplete investigation of these credit reporting agencies. I need would like assistance on this matter asap before taking further legal action.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (VA)

I requested in a previous complaint under # XXXX that the current creditor under the name Debt Recovery Solutions LLC. provide me with verification of this debt that they are attempting to claim and are reporting to the credit bureaus, in the amount of {$780.00} account no. XXXX. 
In their response which is enclosed, the company only attached a letter from another creditor under the name XXXX XXXX XXXX. 
With no details other than my name and address and a date of service of XX/XX/13. 
I was not physically present in the United States on that date. 
Furthermore I've been notified by my bank that my SSN and ID information has been compromised on the dark web by a data breach and I'm at risk of identity theft. 
Please provide evidence and verification of this debt directly from the Original Creditor including a copy of the original bill or statement, or terminate actions to collect this debt and request that the credit bureaus delete your tradeline.
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

Re : Copy of cashed check, front & back - No. : XXXX, {$970.00} Further to CFPB Case Number XXXX, PHH Mortgage Services, XXXX. XXXX XXXX ; XXXX  XXXX, NJ XXXX, former mortgage servicing agent for XXXX responded to the above referenced complaint that Escrow Refund Check Number XXXX, amount {$970.00} ( copy attached ) was replaced with New Check Number XXXX XX/XX/2018 and cashed XX/XX/2018. 

I have requested numerous times a copy of the cancelled check, front & back and have not received it. PHH is no longer the mortgage servicing agent for XXXX.
Consumer complaint received 2019-01-23
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)

I have in my report late payment in XXXX and XX/XX/2016 late payment XXXX/XXXX XXXX Account # XXXX.The information is incorrect.I was never late.
Consumer complaint received 2019-10-24
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. (HI)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Trans Union and XXXX they report each month how much I charge on my credit cards and that makes my score down but I always pay my parlance every month they have to wait a month to report what I still awes I made aispute many times I called trans union and XXXX many time and they never fix the problems.