davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I made a payment to my Bank of America credit card using my XXXX checking account. The only to do that with Bank of America online is through their Bill Pay, it required adding XXXX into the list of accounts saved with Bank of America. I did that and validated the account. 
When I came to make a payment on Bank of America website and selected the XXXX account to pay from, Bank of America reverted to using the Bank of America checking account even though I selected XXXX. That caused my Bank of America checking account to reach a negative balance and I was charged a {$35.00} fee. 
When calling Bank of America on XX/XX/2020, they transferred my call between 5 different representatives over an hour on the phone and the last one just hung up on me, the fee was not refunded, and the payment was not properly reversed
Consumer complaint received 2020-09-05
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: DISCOVER BANK (NJ)

I am a XXXX and made a purchase with my discover card on XX/XX/2020 for a spring vacation for my mom and me for XX/XX/XXXX. I made the purchase with XXXX and charged in on my Discover card for the amount of {$3400.00}. The Corona virus hit NJ and schools were closed and my Mom lost her job as well. We were house bound and worried due to the danger of this virus and the fact that we live with elderly grandparents. The flights were cancelled and I was shocked to learn that XXXX would not refund the money. I contacted them numerous times but no one would answer. I called Discover card and they agreed to help me. This has been ongoing since the XXXX statement and they have issued temporary credits 3 times and revoked them. The final case XXXX concluded that they did not find it in my favor and included the transaction receipt from the XXXX booking. My dispute is not about whether I purchased the ticket but the dispute is that the trip never happened and was cancelled due to the pandemic. The service was not provided and I should not be held accountable as this is a violation of my consumer rights. I am looking to finally get this refund back on my card for good.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian for many months now has been reporting that I live in two states at the same time, XX/XX/XXXX and XX/XX/XXXX, which is causing problems with my credit. 

I have attempted to have Experien correct this but they refuse too saying that the card company : XXXX/XXXX XXXX XXXX confirmed that it was my address. Experian advised that I should have the credit card company correct my address. 

Today I spoke with XXXX/XXXX and after 3 calls spoke with their Fraud department. 

Here is the problem : My daughter needed a credit card to pay for medical expenses, and the company wanted me to co-sign her application. I did this, its her card for her medical expenses. We set up this account in XXXX when she lived with us in XX/XX/XXXX. I do not have a card for this account, I do not use this account, this is used by my daughter XXXX XXXX. 

My daughter moved to XXXX XX/XX/XXXXso advised the bank of the new address. The bank thought that it would be a good idea to report this address to credit bureaus as my address as well as her address, their internal card management system does not cater for two addresses on a card account. 

I also have another credit card with XXXX which is through XXXXXX/XX/XXXX. On this card they have my address listed as my XX/XX/XXXX address, which is : XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX. 

XXXX have knowingly reported that I live in both XX/XX/XXXX and XX/XX/XXXX. This is deliberate fraud, and is causing undue harm to my credit and my ability to open a new Bank account and casting doubt on my real address to those requesting credit information. 

I have spent a lot of time on the phone today, XX/XX/XXXX speaking with XXXX ( XXXX ) who agreed it was a problem, and the fraud department, XXXX. Who felt the best way to resolve this would be to change the address on the account to my XX/XX/XXXX address. 

This would then create another fraud, by reporting that my daughter XXXX XXXX who lives in XX/XX/XXXX also lived inXX/XX/XXXX! 

This is a business who obviously do not care for the credit of their customers, who feel that because their computer software system does not cater to account co-signers living at a different addresses from the actual user of the account, reporting a fraudulent address is therefore justified. 

I did speak with one customer service agent at the bank, XXXX, who said that she would elevate this as an issue and that I should hear in 30 days. 
I need this fraud to end immediately! I can not wait for 30 days beyond the end of this year. 

Please advise all credit bureaus to immediately remove the XXXX address from my record such that I can open a new bank account.
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a dispute to remove some incorrect information on my file and they claimed to have verified it even though the company said they could not validate the account. I personally contacted the company letting them know they were trying to collect on an invalidated account sold by another company and they were to cease collection and the credit reporting agency still has not taken it off. These accounts need to be removed.
Consumer complaint received 2020-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc. (CA)

Date Opened XX/XX/2016 by DESIGNED RECEIVABLE SOLU XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX For original creditor : XXXX XXXX XXXX XXXX ( XXXX XXXX ) For a hospital visit. At the time I went to this hospital for a visit, I had XXXX insurance / XXXX XXXX XXXX ( XXXX  XXXX XXXX ). 

Insurance already paid this bill : Balance {$3400.00} Original Amount {$2200.00}
Consumer complaint received 2020-12-06
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. (IL)

XXXX XXXX Failed to validate account number XXXX per my request mailed on XX/XX/2020. 
Due to XXXX XXXX  failure to validate account number XXXX, I mailed a follow up letter on XX/XX/2020. 
On XX/XX/2020 I mailed XXXX  XXXX XXXX a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XX/XX/2020. Return Receipt Tracking number XXXX. 
Due to XXXX XXXX XXXX failure to validate account XXXX twice, I demand the tradeline be deleted from my credit report immediately.
Consumer complaint received 2023-02-24
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 HONDA FINANCE CORP (CA)

Ive contacted this company and the credit bureaus about this issue numerous times, i have documented the reception of my communication in XXXX and mid XXXX. 

In accordance with Fair Credit Reporting Act American Honda Finance has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent Under 15 USC 1666b A creditor may not treat a payment on a credit account under an open end consumer credit plan as LATE fro any purpose unless the creditor has adopted reasonable procedures to ensure each periodic statement including the information required by section 1637b of this title is MAILED or DELIVERED to the consumer not later than 21 days before the payment is due.

15 USC 1681a 2 states in EXCLUSIONS OF THE CREDIT REPORT ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; a " late payment '' is an experience or transaction and it should be EXCLUDED from my credit report!
Consumer complaint received 2020-12-06
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. (OK)

Santander has not removed the tradelines from my credit report in my wifes name. They agreed to do it based off the lawsuit settlement. I disputed for them to remove and they refuse to. I even disputed with the three major credit reporting companies. 

Based on the multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WILSON & ASSOCIATES, PLLC (TN)

Wilson and associates sold my property on XX/XX/XXXX and again on XX/XX/XXXX and now they fixings to sell it again if they were not the trustees on XX/XX/XXXX how can't they be the trustees on XX/XX/XXXX I haven't sign Any thing
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

I am currently on reduced hours due to the XXXX  vacation and my hourly wage and hours worked are reduced till XXXX. 
On average I am only making XXXX a month. 
My contract is only for 9 months only
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my credit report ( TransUnion and XXXX ), between XX/XX/year> and XX/XX/year>, XXXX XXXX XXXX XXXX  credit card balance increased by {$320.00} from {$230.00} to {$550.00}. I have contacted XXXX XXXX XXXX XXXX explaining that this card is not mine and they removed it from my credit report. However, TransUnion and XXXX are still reporting it incorrectly reporting it causing an extreme hardship. 


As per XXXX XXXX XXXX XXXX, this card should be removed from my reports immediately.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

I just recently filed a dispute with BB & T and they denied my claim saying that I wasnt able to get my money back to my card and I really couldnt understand why because none of the charges on my account were Authorized at all, All of the transaction was made online and my card was compromised I didnt open any accounts with the merchants or used my card at all, I am not sure the exact amount of my dispute and exactly how much I am suppose to get back but I do have the claim number for that specific dispute and it is : XXXX I do the that the amount is a bit over {$700.00}, Its not right that someone took my hard earned money and I am not able to get it back, they attempted to reopen the dispute but Im not sure what is going on, its just a lot of money I lost and need to get. Back
Consumer complaint received 2020-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2020 I sent a letter regarding some unknown and innacurate things on my credit report. Over 60 days later I have not recieved a response yet. I feel like I am being ignored and taken advantage of. In section 611 ( a ) it states that Failure to investigate these items within 30 days gives a reason to immediately remove this from my credit report. IT has been 60 days and these items should be removed from my report. I have suffered so much from these innacurate items. My family is also being caused massive stress. I demand these items be deleted or I will have to file for litigation because of the stress you have caused. I have been included in the XXXX  Data Breach and I fear this might expose my info to wrong hands.
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I am filing a complaint because the debt from National Credit Systems Inc ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX  at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/XXXX, I deposited a check from the US Department of the Treasury, it was placed on hold. The following morning, I awake to find out that the check was released, so it was a good day. I go about my day to pay some bills and what not, my debit card gets lock, it was still early but the chat function was open so I chatted got the card unlocked processed to try to pay a bill again, card locked again, chatted again, card unlocked, I was able to pay 2 bills before the card was locked again. Chatted again, unlocked again, tried to pay another bill card declined, This time I called, the XXXX  said everything was fine there were some fraud alerts she cleared them and said everything was fine. I go try to pay for something else and once again it was blocked, I called again and the XXXX  advised me that it was due to a check being deposited in my account, i asked her what was wrong with the check she said it was fraudulent and i asked how, she said because the note line didn't have my name in it and it had 'XXXX  XXXX XX/XX/XXXX tax return XXXX ' ... which did not match my name and sent over a fraud request, well in the process the are closing my account and send the check back to the IRS due to it is a fake check, so she hung up on me and i called back and then she advised that an outside bank started the process by contacting them saying the check was a fraud, i then called the Bureau of Fiscal Services and was advised by a XXXX that was the memo line and the check in fact a good check. So now I have no money on the first of the month to pay bills or feed my family not to mention i am going out of town Saturday and they keep telling me 3 days for a resolution. I have no food rent is due and because the XXXX did not do her due diligence of checking/verifying the check I am in danger of losing my home car and not to mention my kids are hungry and I was going grocery shopping. No one at the bank can give me a straight answer, you can't talk to anyone outside the call center and they will only switch to other XXXX  that will give you the same spill... I don't know what else to do or who to turn to. I have cried and cried and no-one at that bank is concerned or is trying to help me. I feel like I was singled out because of the amount of the check ( XXXX ) and who I am, a XXXX woman that got angry about her money...
Consumer complaint received 2023-05-14
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. (IL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX . Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX Name : XXXX XXXX Acct # XXXX Name : XXXX  XXXX Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies XXXX XXXX XXXX XX/XX/1989
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

After multiple attempts of writing letters to the credit bureaus, they continue to report inaccurate information on my credit which hurts my ability to obtain credit. There are several accounts reporting activity date incorrect, accounts that do not belong to me are reporting, late payments are reporting on my student loan accounts. Accounts that were deleted have reappeared on my credit report.
Consumer complaint received 2021-02-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

Can you PLEASE help me with this horrific loan servicer RUSHMORE LOAN MANAGEMENT? Since the fall, I have been asking them to PLEASE put in a partial claim to the FHA on my mortgage and let me start paying for my loan again. I have a government FHA loan. 
They require people to fill out HARDSHIP PACKAGES for COVID 19 assistance, which I did not ask for any further. I asked for the past due balance to please be palced as FHA PARTIAL FOREBEARANCE at the end of the loan and let me start paying my loan. After months of sending in my paperwork, they put me back on a COVID 19 FOREBERANCE instead of listening to the customer and what the customer wants and the customers needs. 
Its unbelievable. Its like they DO NOT know who to read XXXX or understand XXXX. Please help me.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc. (CO)

The financial technologies company named Revolut partnered with XXXX XXXX Bank recently blocked my account as I could not provide screenshots for my recent add-money transaction from XXXX XXXX  since the card from XXXX I used was removed from XXXX XXXX  and thus the device recognition number has since changed. I attempted to let them verify the transaction by providing my bank statements of the card I used. But they insisted the screenshot of the original device recognition number in XXXX XXXX be presented to them and blocked my account without further explanation. The chat function in their app is no longer usable as they only told me that they will look into this issue within an unspecified time frame. The funds in my account are no longer accessible and the annual service fee I paid to them ( around XXXX dollars ) can not be refunded. This is arbitrary action has caused a significant financial stress and their non-transparent way of treating customers is most unacceptable.
Consumer complaint received 2020-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

In XX/XX/XXXX I contacted Shellpoint Mortgage Servicing about having the PMI removed from our mortgage, as we had reached 80 % of the original value. At that time I was told that was not so and it was not eligible until XXXX. Beginning XX/XX/XXXX they started charging an additional {$340.00} in PMI. I was not aware of this until we received our escrow statement in XX/XX/XXXX, as they did not put PMI on our monthly statements. This escrow statement showed a shortage of {$2100.00}. The total PMI being charged from XX/XX/XXXX going forward is a total of {$430.00} per month. This amount is more than the amount going to principle - {$360.00} or interest - {$320.00}. This is outrageous. We did send Shellpoint {$150.00} to have a home valuation done in hope that the PMI will be removed. This home valuation was done XX/XX/XXXX. Regardless of what the outcome is, this PMI is being overpaid and should be corrected and refunded. The PMI should have been removed and we should not have even been required to pay the {$150.00} for the home valuation. Charging more in PMI than the amount of the principle is not right.