davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

I had a joint personal loan with my mom through Tower Loan. The account was always on time until my mom was diagnosed with XXXX XXXX XXXX in 2016. Upon finding out about my moms diagnosis, the branch that I was doing business through persuaded me to refinance the account as an individual account. I didn't receive any additional funds, but they told me it was best since my mom didn't have long to live. Once my mom passed away it was hard for me to make the payments alone, but Tower Loan would not help me with reducing my payments. I was also not informed that the insurance on the account that they force you to signup for when you get a loan would have paid the original account in full when my mom passed away. I am now being garnished. I have paid over {$6500.00} of a {$11000.00} garnishment amount on a {$3900.00} balance that I owed. I have tried numerous times to try to aquire some other form of payments with them due to the fact that I have received a promotion at my job and I am now in a position to make the {$150.00} a month payments. I am being garnished for around {$200.00} to {$300.00} every 2 weeks which makes it hard for me to pay rent, utilities, car note and take care of my son. I feel that if I would not have been persuaded during the time of my mother 's stage XXXX XXXX diagnosis to remove her from the account, the insurance that I had been paying for would have paid this debt. I feel that I was scammed by this business.
Consumer complaint received 2019-10-29
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. (UT)

I have a Bankruptcy with no visible account number reporting on my credit that is extremely old and over the FCRA Reporting limit, this is erroneous that they are still reporting and it needs to be removed off of my credit file. It has already been removed off XXXX but the other bureaus won't remove it.
Consumer complaint received 2023-04-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

PLEASE INVESTIGATE THE FOLLOWING INFORMATION AND EITHER REMOVE IT OR AT LEAST SEND ME THE INFORMATION THAT YOU USED TO ADD IT TO MY REPORT.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I my wife and I made 3 different cash deposits into our joint checking account using NFCU ATM Machines. My wife even went inside a NFCU Branch to use their ATM to make a cash deposit. 
Our XXXX payment was made on online on XX/XX/XXXX in the evening. There was funds available to pay our {$99.00} XXXX bill. 

We had funds available to pay our XXXX bill, on XX/XX/2019 we noticed we got hit with a {$29.00} fee, for return. 

It shows we actually had funds available to pay our XXXX bill. We made several deposits that entire week, what NFCU does they hold out funds and not make them available right away. Our deposits are CASH DEPOSITS. Someone needs to investigate NFCU PRACTICES.
Consumer complaint received 2022-01-04
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. (PA)

Experian is reporting a XXXX account as charged-off on my credit report. This account is no longer debt. XXXX has issued a 1099c for the debt and I filed the debt as earned income. Experian should not be reporting EARNED INCOME. Due to the change in account status this information is now obsolete, false and inaccurate. Please DELETE this account immediately. Attached to this complaint is a letter from XXXX verifying that they've issued a 1099c for this account. 

I AM NOT A CREDIT REPAIR COMPANY
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NC)

I made purchases, may was misdelivered. I contacted XXXX the sums was supposed to be refunded. For the last 2 year, I'm waiting for several returned, the largest purchase being aXXXX XXXX that was never refunded. Because of the items not refunded, late fee, and interest fee has accumulated
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (NY)

Servicer SN Servicing never sent us a loan ownership transfer notice when our mortgage was sold. The XXXX XXXX, new owner of your loan and servicer never notified us within 30 days of the effective date of the transfer. They only transferred in XX/XX/2019 with the court but filed a judgement foreclosure sale before notifying us of transfer. They never sent us notice of the new owner 's name, address and telephone number. 

( and if different, the person who can resolve issues concerning your loan payments or any right to rescind the loan ), They sent information with contradicting dates of transfer, a year after the transfer apparently took place, and never advised us whether the transfer of ownership is recorded in public records. 

We became collateral damage in their transfer process. 

They filed with the court immediately for judgement foreclosure and sale. They are still attempting to sell our home via court, without any genuine effort to modify.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

As i have stated previously, this account from XXXX XXXX XXXX  XXXX as of XX/XX/2018 until now keeps showing up and demolishing my capabilities of life advances when i have shown and sent in Documents as result of Identity theft. Please Block, and eliminate this Fraudulent account from my reports especially on my Experian.
Consumer complaint received 2019-10-29
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. (NY)

On XX/XX/XXXX a commercial equipment lease was opened with XXXX XXXX for 2 commercial refrigerators for XXXX XXXX DBA/ XXXX XXXX XXXX  XXXX. 

The account came 30 days past due in XX/XX/XXXX, The account was reported on my personal credit report file as 30 days past due for a personal auto loan. 

At this time the account is current with no past due amount. 

I am requesting that the credit report file be removed because I did not take out a personal auto loan with XXXX XXXXXXXX, also this is a commercial loan and it should not be reported on my personal credit file. This should be reported on the business credit report file. I've attached a copy of the original commercial lease agreement for review.
Consumer complaint received 2022-10-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

My daughter, XXXX XXXX XXXX called PayPal to close her account on XX/XX/2022 on XXXX and we were told that there was a pending case that was preventing the close of her account. However, this same case, was disputed by XXXX XXXX and my daughter has already been refunded. However, Paypal refuse to close this case, although they sent me a letter stating that they can't dispute this transaction because it is being disputedwas disputed by another entity, XXXX card. My daughter attempted to close this case in Paypal to be able to close her PayPal account but was prevented from closing the case online, thus she requested the Paypal representative to close the case. The paypal representative stated she could not close the case and said she was going to forward our call to another representative that would close the case. However, Paypal hung up the call and never forwarded the call. I got the impression that Paypal simply does not want to close the account.
Consumer complaint received 2021-05-12
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. (FL)

ONXX/XX/2021, I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION FROM XXXX, TRANSUNION, AND XXXX. ON AN ALLEGED LATE PAYMENT ON A CREDIT CARD, I'VE HAD OVER 7 YEARS. 

I HAVE PAID AS AGREED AND NEVER BEEN LATE. 

ON TOP OF THAT WHEN I VIEWED MY REPORT THERE WERE A LOT OF INACCURACIES ON MY ACCOUNT, FROM AMOUNT OWED, BALANCE, OPENING DATE, JUST SEVERAL THINGS ARE INACCURATE. 

TODAY ISXX/XX/2021 ALMOST 60 DAYS SINCE I SENT OFF ALL LETTERS CERTIFIED ASKING THEM TO VERIFY THE ALLEGED LATE PAYMENT AND THE OTHER ITEMS THAT ARE INACCURATE ON THIS ACCOUNT. 

ONXX/XX/2021, ALMOST A MONTH AGO I SUBMITTED A COMPLAINT TO THE I have asked for who my alleged late payment was verified. I have not received any documentation with this information. I have paid as agreed and on time every time. I'm asking that documentation been sent to me per my letter providing in detail who verified it and how because I have never been late. 

STILL NO RESPONSE. 

COMPLAINT NUMBER XXXX XXXX XXXX
Consumer complaint received 2021-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

On XX/XX/XXXX, I received a alert on my XXXX and XXXX credit file. They are seeking a collection payment in the amount of XXXX, XXXX and {$830.00} from XXXX XXXXI have not received any prior correspondence either via phone call or via mail from this agency concerning any type of debt to even validate or determine if it is indeed mine. I am unaware of any debt and absolutely have no contact with this company. This debt is not VALID. From This was placed on my credit report with no formal letter from XXXX XXXXI have been a victim of identity theft. This is against the law to list on my credit report without a formal letter. I have sent them a certified Validation of debt letter on XX/XX/2021 and have not gotten a respond.
Consumer complaint received 2019-10-29
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX 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.

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 purpose.
Consumer complaint received 2022-05-19
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: Open Dealer Exchange, LLC (VA)

On XX/XX/2021, I went to the dealership looking for a car. I found the car I like. My sales person told me that he was only going to run my credit through XXXX XXXX XXXX XXXX. I ended up with more than 10 hard inquiries on my credit report.
Consumer complaint received 2021-06-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/2021 I received a letter from Portfolio Recovery that stated it they were validating my debt due to a dispute letter that I sent to the CRAs. I sent them a letter XX/XX/2021 indicating that the letter ( copy of a bill ) did not satisfy the request and that more information was required per the Georgia Industrial Loan Act and the Fair Credit Reporting Act. Portfolio Recovery turned around and resent the same bill on XX/XX/2021. They have failed to validate that the debt is mine, provide a copy of all original paper work with my wet signature, provide a copy of the purchase agreement, provide, provide their legal standing to collect on the debt or their license to collect a debt in the State of Georgia.
Consumer complaint received 2019-10-29
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. (PA)

I have been trying to fix my XXXX XXXX XXXX  account for the better part of this year. I started sending disputes to XXXX XXXX directly in late XXXX. And have worked with many different people inside of their company to go over information that was reporting false on my credit reports. In XXXX, I was finally given a letter from XXXX XXXX stating that they would remove a late payment that was on my credit reports for XX/XX/2018. They updating ALL three credit bureaus, but XXXX was the only one to update correctly. I sent the letter to the two other CRA 's and contacted XXXX XXXX XXXX again about the update. I only contacted XXXX XXXX because their update had created new negative information on my account. So I was fighting these new problems with XXXX XXXX, while trying to fix the old problem with the credit bureaus. This cycle of waiting for my credit report to update, new negative information on it, dispute with the CRA 's same old information, complain to XXXX XXXX about new errors on my report, and waiting for credit report to update. Has been a monthly dance for almost half a year. My XXXX XXXX XXXX   account update XX/XX/XXXX with ALL three credit bureaus. It is now a completely inaccurate reporting of my payment history. I am sick of XXXX XXXX doing whatever they want to my credit report and to my credit score. They have violated the FCRA and have failed to produce 100 % accurate information to the credit bureaus in a 30 day time frame. I want this account removed from my credit reports.
Consumer complaint received 2022-05-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

XXXX XXXX  AND SELECT PORTFOLIO CLOSED MY COMPLAINT- SENT ME ALETTER THEY ARE FORECLOSING ON A HOME -I WAS NOT IN DEFAULT- THEY REFUSED PAYMENT AND RECENTLY FOUND LOTS OF TITLE FLIPPINF AND MY PROPERTY WAS DESTROYED. XXXX XXXX IN LEIU OF FORECLOSURE OFFERE TO A NON, MORTGAGE - AND LIKE TO BE FREE FROM THE HARM AND THREATS- AS THEY HELPED EX-WIFE WITH A BANKRUPSY? AND NOW WANT TO DOUBLE DIP THIS TITLE INTREST, XXXX XXXX- NAMED XXXX TITLE
Consumer complaint received 2019-10-29
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX 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 a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX Account # XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX 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 a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US. DEPT. OF EDUCATION 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 a account without my written instructions
Consumer complaint received 2019-10-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: United Group Inc. (OR)

I had a loan thru united finance as of XX/XX/XXXX -- a little after I received this loan I had to go out on short term leave, where I was only receiving 65 % of my pay and I was getting garnished also so I was receiving only 300-400 dollar checks I informed XXXX of my hardship an he did not offer no help just waived a late fee -- My garnishment should of ended XXXX. My XX/XX/XXXX payment I had planned on paying this on XXXX but I ended up getting garnished which caused me to be short, I advised this to the company letting them know I would have to wait for a refund from the company who took money- Ufortunatley I got garnished again on my next pay period in XXXX XX/XX/XXXX, my employer told me I would get that money back in 1-2 pay periods. 
I was only 30days when they took my car on XXXX I finally got all the refund by XXXX but by then I was advised I would have to pay {$1300.00} in cash to get my car, which is way more than 2 payments. 
This company advertises on the they help and I was offered nothing in my financial hardhsip
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Froze account because of identity these now I can't access benefits because ex boyfriend stole identity and can't get ncdl until after XXXX. XXXX XXXX XXXX Bank of America prepaid for XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I opened the priority checking and saving account through the promotional link on the Citibank website on XX/XX/2021. 

XXXX XXXX XXXXciti.comXXXX  The promotion period is different now but it is the same offer that I signed up for. It states that I would be receiving {$700.00} cash bonus if I open both account and deposit {$50000.00} and maintained for 60 days. So I made the account and transfer the money and made sure everything is followed according to the fine print. 

A few months gone by I have not received the bonus. On XX/XX/2021, I contacted the bank through direct chat and the presentative said that I would be receiving the bonus cash on XX/XX/XXXX or before. On XX/XX/2021, I have not received the bonus and I contacted the bank again. The representative told be they would need to open a case for investigation. A week later, I received the case status stating that the no promotion associated to my account which contradict the fact I signed up through the Citibank promotional link and still no bonus. I contacted the bank via and spoke to the supervisor to no available. I would like to have my cash bonus and this issue disputed.