davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

They are upgrading free accounts without consent to a paid account service. Though the services provided may be nice we can not opt out without calling or visit a bank.

Issue 1 - no consent. They have notified but opt in automatically is not okay.

Issue 2 - their response on social media is forcing it down our throats and telling us to like it.

Issue 3 - opt out process is intentionally inconvenient and a dark pattern that is intended to discourage people from changing. This is a practice used by unscrupulous companies and reduces my trust in general with the company drastically. 

Issue 4 - two month " free trial '' is code for " you will forget about this in a while and not realize you are paying for it nor are you using the service. '' If everyone used this service to full extent they could not afford to provide it. This service is intended to be used minimally and they are relying on unsavory company tactics to get more money from their customers. Again another blow to the trust of the customers.
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

On XX/XX/2022 I sent {$220.00} to a seller through Zelle for sports tickets. After sending the money, the seller stopped responding and did not send the tickets. I have tried contacting them, I have reached out to the bank to see if there is a way to do a charge back to my account, and I have contacted Zelle.. They advised that I could request my money back from the person I sent it to, but also told me it is highly unlikely that I will get it back. There has got to be some way to reclaim money send directly from a checking account when it is obtained fraudulently.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened a SunTrust  checking account on XX/XX/2021 with opening deposit of {$100.00}. I deposited a {$1400.00} check on XX/XX/2021 at a local branch and was immediately notified by mail that a 10-day hold was placed on the deposited funds. I lost online banking access to my accounts shortly after making the {$1400.00} deposit then received a letter dated XX/XX/2021 notifying me that my account had been closed by SunTrust  's fraud operations team without cause. The letter stated that my remaining balance would be mailed within 5 days. On XX/XX/2021 I received a check for the {$100.00} opening deposit and upon calling SunTrust to check on the remaining {$1400.00} balance to be refunded they explained that I needed written letter on the issuing bank 's ( XXXX  XXXX XXXX XXXX letterhead stating that the funds were truly intended for me. I called the issuing bank with a SunTrust  representative also on the phone with me on XX/XX/2021 and the issuing bank declined to release any information regarding their accountholder 's account other than that the account existed. 
The funds have cleared the issuing bank and the 10-day hold period has expired. 
SunTrust  's actions seem to be in violation of Regulation CC as they have exceeded the initial 10-day hold period and failed to notify me of any additional holds. Since it is the issuing bank 's policy not to disclose the confidential client information SunTrust  is requesting of me in order to release the funds, I am not able to access funds that are rightfully mine and in SunTrust 's possession.
Consumer complaint received 2021-01-28
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. (TX)

I am writing this due to non-compliance with the ( Equifax, XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2022-09-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXDEPT OF ED Account # 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 : States a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-01-28
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. (MA)

XXXX account on my credit report shows my old account was closed after a settlement, I did not do any settlement. I paid in full when I closed my account. 
I sent Experian the letter from XXXX, where its says this account will be considered paid in full I paid a total of {$160.00} on XXXX XX/XX/2021 I spoke with XXXX at XXXX recovery department ( her team number is XXXX ) on XXXX XX/XX/2021 XXXX from XXXX customer service documented on my account ********** I also called Experian several times, sent them all the documents they need, they are still putting account was closed in a settlement which is not correct. 
Please help me to remove this from my credit report. 
I hope you understand. 
Thank you. 
Sincerely ~ XXXX
Consumer complaint received 2021-01-28
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (CA)

Started refinancing in XX/XX/2020. Was told XXXX XX/XX/XXXXI wouldnt have to pay mortgage. The was told XXXX I wouldnt have to pay. Then XXXX I wouldnt have to pay. Was told it was with closing team and would be done early XXXX. I waited to pay mortgage because of assurances it would be completed. I then realized i was dealing with a liar, and had to pay on XX/XX/XXXX with a late fee. The lender doesnt communicate info needed or process when he has information. Recently realizing that only by repeating texts/emails/calls, that responses will be made by company. I have numerous dates of signing promised, that hasnt happened and have asked repeatedly to inform me, when target dates do not happen. Worst costumer service Ive experienced. Nations lending corporate has been contacted multiple times and they dont respond either. Signing was said to be XXXX. Then XXXX. Failed to follow through. I told XXXX XXXX ( nations lending manager in XXXX XXXX Ca ) that if he doesnt follow through with his promises again, that Id go somewhere else. He said signing would be monXXXX or Tuesday XXXX. Its still not done. He told the previous lender today hed call me today. He didnt. I sent complaints today email/text. At XXXX XXXX  he emailed saying i need to make appt to speak with him. I responded with, when u break commitment, u should inform me of whats going on. Ive been treated very poorly by this company. If hed have been transparent, Id have went with another company.
Consumer complaint received 2021-01-28
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-22
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 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 XXXX : 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 purpose
Consumer complaint received 2022-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc. (TX)

Ive never had dealings with Kik off lending and Ive already stated this but Im not getting help with the case I just keep getting told because of my email This account is verified I could easily hide my email and make another one I know people who work in cybersecurity i XXXX XXXX its not hard to use someone elses email even with them having it
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

This company first of all charged me XXXX dollars to get my credit score then said had to send to me ok fine put me in a electronic loop to get into my transunion account I paid everything off and they take XXXX points ... everyone else gave points I call them 10 mins later I have XXXX points removed. Something doesn't add up. Thank you for your time
Consumer complaint received 2019-04-13
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Dates : XXXX XXXX XXXX of 2019, XXXX $ each month. And my Mortgage company denied me the right to file for a modification to my account. At the time I was laid off and waiting for my unemployment to be heard by a referee officer. Because my employer was trying to denied me of my rights as a XXXX XXXX. The process took over 3 months. My mortgage was facing forcloser.So I reached out to my lender who is Wells Fargo and they investigated my claim and returned with the decision to denied me a modification. Wells Fargo is not in the business of helping their customers try to keep their homes. They rather you short sale or lose out completely.
Consumer complaint received 2022-09-22
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. (WV)

I disputed a Bankruptcy report on my credit file with Experian, XXXX and XXXX due to the fact that the file is 7 years old and should be removed. It was filed in XX/XX/2015 and fully discharged in XX/XX/2015. 

Experian did not remove the file because they stated the information was accurate. 
It is accurate but it is 7 years old and should fall off now. 

XXXX and XXXX immediately removed the file.
Consumer complaint received 2022-09-22
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

THIS HAS BEEN UPDATED TODAY AS RECENT DAMAGE! UPDATED INFORMATION CAPITAL ONE CONTINUES TO POST FRAUDULENT HARD INQUIRES ON MY XXXX AS OF RECENT UPDATE FROM MY XXXX CREDIT REPORT XXXX CONTINUES TO REPORT UNAUTHORIZED HARD INQURES! 


15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contain any of the following items of information Any other adverse item of information, othan records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information IS INACCURATE. 

FRCA 15 U.S.C 1681 Section 602A. States I have the rights to privacy. 15 U.S.C 1681 Section 604A Section 2 also states a Consumer Reporting Agency CAN NOT FUNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2021-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (FL)

Loan was offered for interest rate reduction. We took it. 
Noticed that payment did go up just a little at first but were told not to worry because it was our escrow that made it go up. 
I discovered accounting errors in how the escrow was handled ; IE during the refinance in XX/XX/201, a little over XXXX was added to the loan refinance. I thought why so high? I continued to dig around and discovered the XXXX was for escrow. In an email the female who offered the XXXX said that they, Veterans United were paying the closing costs ALL OF THEM. Alright, so where did the money go? 

No one can tell me. I had to request documents from Veterans United dba Mortgage Research Center, closing documents from the Title Company, letters, bank statements to reconcile this mess myself. 

Veterans United mishandled our escrow- missing {$3100.00} Veterans United misplaced, " lost or stole '' 1 mortgage payment ; based on their own numbers, {$1800.00} Veterans United violated the law by charging fees during a pandemic when they already had the paperwork asking for hardship due to spouse being furloughed starting XX/XX/XXXX. They cited in a phone call how sorry they were and the money was to be returned. That was false. No monies have been returned and as a matter of fact the couple of times we were late VU charged 3 times amount of fees that was legal. Total= {$1900.00} VU charged NSF during the pandemic when we didn't make payments starting XX/XX/XXXX. I am unsure how a business can charge NSF when no XXXX payment was made. EXPLAIN THAT. Then they charged not {$25.00} but {$250.00} in fees. 

The company then sold our loan to XXXX XXXX. That is how they responded.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Well this incident happened when i was XXXX years old and now Im XXXX. So I used to have Bank of America and I was handed a check to deposit not knowing that it was a fraudulent check so it actually allowed me to pull money out after the check was deposited not knowing that it will cause an overdraft on my account. So at the time I was in high school and I just couldnt afford to cover the cost of the overdraft which affected my credit since then there hasnt been one bank that will allow me to have a checking account with them so ledger save my life has been really difficult without a bank account so please help me what am I supposed to do in the situation. I was taking advantage of And obviously at XXXX years old I have no idea what credit was and how it works I didnt know if I have this effect on me in the future so please someone help me.
Consumer complaint received 2021-01-28
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. (NJ)

Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error
Consumer complaint received 2021-01-28
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. (NJ)

Federal Student loans are reporting on my Credit report with a balance of {$1300.00} & {$2400.00} Stating In XXXX was Green indicated Was paid on time then XXXX says 90days late how can XXXX be on time but jumps to 90 late in XXXX. Clearly an Error
Consumer complaint received 2024-12-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc (MD)

I applied for a XXXX XXXX XXXX XXXX XXXX XXXX with a company called XXXX, around the XXXX of XXXX, 2020, I received report under back ground check and consumer Agency that I had a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) ISSUED DATE 2020 DISPOSITION XXXX DISPOSITION DATE XX/XX/2020 POINTS XXXX THAT IS ERRONEOUS... I DO NOT NOR HAVE I EVER XXXX  NOR WAS MY LICENSE EVER SUSPENDED, AS A RESULT, I AM BEING DENIED WORK UNDER ADVERSE REASONING, NOT TO MENTION THE EMBARRASSMENT AND AGGREVATION THIS HAS CAUSED
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (WI)

On XX/XX/2021, I was issued 2 child support payments. One for {$42.00} and one for {$100.00}. On XX/XX/2021 at XXXX XXXX I called the toll-free number on the back of my card to verify my balance. At that time my balance was {$160.00}. On XX/XX/2021, I attempted to log into my online account and got the notification that my account was closed due to fraud. At XXXX XXXX, I made an effort to call the toll-free number on the back of the card and was told to stay on the line for an important message regarding my account. During my first attempt to contact them I was on hold for 53 minutes before being disconnected. I tried to call them back a second time and finally spoke to somebody who knew absolutely nothing and told me she would transfer me to the fraud department. After sitting on hold an additional 47 minutes, I hung up. I then called back a third time and did not follow any of the prompts and just waited for a customer service representative to answer. Again, I was told I would be transferred to the fraud department. I asked the customer service representative for a direct line to the fraud department and she told me that number did not exist. I waited on hold for approximately 45 minutes before hanging up. After doing some research online I found the direct line to the fraud department and called that number. However, to my dismay, once again after sitting on hold, my call disconnected before speaking to anyone. Now, I have a card, that to my knowledge, has {$160.00} on it that I do not have access to. They will not even let me report it stolen or request a new card without speaking to somebody and I have been unsuccessful in reaching anybody that can help me at this company. I am unable to access my account online or via phone to find out any information, including recent transactions our current balance. They canceled my card without even contacting me and now I am completely in the dark about whats going on. Hi
Consumer complaint received 2021-01-28
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. (OH)

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries immediately.
Consumer complaint received 2023-03-21
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. (FL)

this is for a XXXX XXXX credit card that was opened XX/XX/XXXX and closed XX/XX/XXXX but on my consumer reports its showing late payments in XXXX, XXXX and XX/XX/XXXX with a last payment in XX/XX/XXXX this account has been disputed many times to be resolved or deleted from my credit report i got deleted XX/XX/XXXX but for some reason its back reporting with late payments on both XXXX  and transunion
Consumer complaint received 2021-07-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have reached out to XXXX, XXXX and XXXX  regarding gross inaccuracies on my credit report. I have yet to hear of the results or even have my inquiries responded to to date