davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (FL)

BSI Financial ( servicer for XXXXXXXX XXXX ) finished the review of my escrow account on XX/XX/XXXX. Their review indicated that I had an overage of {$2000.00}. When I login to my online account, they have added a line in my transaction history stating that they have refunded this amount to me, however, this is inaccurate. I grew concerned that I had not received a check in XXXX and called the company. I called them on XX/XX/XXXX and they stated that the amount needed to be reviewed for 30 days, then I would be issued a check. I called again on XX/XX/XXXX and they stated the 30 day review would be complete on XX/XX/XXXX and I would receive a check. It is XX/XX/XXXX and I have not received a check. I called this morning and the customer service representative stated that the check has not even been cut yet and that " he will call me back once he investigates. '' The FDIC states that mortgage companies have 30 days after escrow analysis to refund any surplus, which BSI Financial is in clear violation of. If this continues I plan to seek legal representation and action.
Consumer complaint received 2022-04-29
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. (SC)

On XX/XX/2022 I attempted to apply for XXXX credit card. I was notified that XXXX and Transunion are reporting that my mortgage XXXX  XXXX XXXX  XXXX is late and Im in a repayment plan. Im contacted all bureaus and mortgage company and all of them are saying it false. I contacted XXXX and they ran it again and stated that XXXX is reporting that negative information. I am not and have not been late on my mortgage and no one from XXXX or Transunion is trying to assist me.
Consumer complaint received 2020-05-20
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. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2022-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

I received an offer in the mail from American Express Co. ( AEX ) for XXXX XXXX XXXX  ) Credit Card in XX/XX/2022. The letter included a code to be used to apply for the card online or by mail, and outlined the XXXX  benefits in exchange for an annual maintenance fee of {$250.00}. I applied for the card online as I liked the benefits, primarily a credit of XXXX travel miles after spending {$3000.00} as charges to the card in the first 90 days. After receipt of the card with related information around XX/XX/XXXX, I called AEX to get explanation of certain benefits including the mileage. After getting satisfactory answers, I immediately started using the card, and charging over {$3000.00} within 90 days. At the end of the period, I called AEX to find out the status of my credit for my miles. At that time, they told me I had another AEX XXXX card, so I was not eligible for the credit. I told them that I was not aware of that, nor was ever informed about the clause. They assured me that they will investigate into the matter, and asked me to contact them after 2 weeks. After 2 weeks, they told me it was still under investigation, and asked me to call them after another week. Finally on XX/XX/XXXX, they told me they will not give the credit. 
I was never informed about AEX policies to start with, and I made it clear also when I first contacted them. When I got my first AEX XXXX XXXX, they gave me XXXX miles, to be fare they could reduce the offer to XXXX miles, but they won't buy that either. Request for justice in my case. Thanks.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (CA)

1 : XXXX XXXX XXXX keep taking {$1400.00} out of my checking even we made an agreement of {$230.00} per month 2 : XXXX allow me to wait 60 days no caroaument and credit card payment but still tried to charge my bank accounts in 6 loan regarding car payments. I took them of autopsy in XXXX since they double taking out my Carpayment just my XXXX was paid 3 times in last XXXX. 
3 : I stop XXXX, XXXX XXXX all my credit cards payments inc car loan in XXXX since the corona virus start affecting us early XXXX close office XX/XX/14 as we where ask to do but everybody kept on trying to make me pay so my bank of the west charge me over {$3100.00} just for month of XXXX in overdraft fees I asked them to return it as they refuse so I bunch payroll taxes etc cost me over {$300.00} in payroll fees etc. My employees did not get paid. So in XXXX I had to freeze my account since all my billing insurances companies Have direct deposit with me. So its 36 different insurance companies so it is a kit if work for me to upload new checks do on and it took me 2.5 months to get a ppp loan. My rent had not been paid they are still letting checks in charging me overdraft fees even when I have money in the bank. This bank of the west in XXXX XXXX need to be discipline. I live I. XXXX XXXX small town about 180 000 and its a very hardship on me and my husband. What can I do. Please help us out here XXXX. My husband is over 80 still working and a great XXXX
Consumer complaint received 2022-12-07
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. (MI)

To whom this XXXX concern, I just recently discovered that there is some unauthorized information in my name being used on my credit report and would like to file a dispute. This information is unauthorized, and I do not approve for it to be reflected on my credit report. It is inaccurately reporting on my Experian credit profile, as it does not show upon my XXXX and XXXX credit profiles. I believe that I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized. I have tried XXXX times to contact this well as EXPERIAN regarding this inaccuracy. I have sent a cease and desist, XXXX XXXX XXXX, XXXX XXXX letter asking to accurately verify this collection/debt through certified mail also explaining my rights and consumer laws that have been violated by their company ( XXXX ). I have received XXXX results from these company ( XXXX ). I am insisting that they be deleted from my credit report as soon as possible. There is no proof of my authorization or consent, my signature or proof of debt/contracts.
Consumer complaint received 2020-05-15
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

The reason that the lease with XXXX XXXX XXXX was due to health reasons. Living in those apartments caused severe XXXX   XXXX due to pets living in that apartment prior to us living there. I did ask the manager if any pets lived there and he ignored the question nor did he make the follow-up question- " are there any XXXX ''. It turned out that the prior tenants did have a pet and there was pet hair everywhere in the apartment. Second reason for leaving that place ASAP was due to the maintenance man coming into my apartment unannounced, and without me allowing him to come in. This became a safety concern. We brought this up to the management and they did bring it up to his attention that this was not allowed, but the maintenance man still did it again after. He came in my apartment without me giving him permission to come in. I did not know why he was coming in without my authorization, I had already told the management, and it kept happening. Not sure what management was expecting, the apartment caused me severe XXXX   XXXX, and it made me feel unsafe by the maintenance man coming in without my consent. As a consumer I believe that I have the right to choose where to live, if I do not feel comfortable living in a certain location, especially when the landlords are violating my right to privacy, safety and living health conditions.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CA)

The person using my name had two different accounts with XXXX XXXX for cable service for the address, XXXX XXXX XXXX XXXX XXXX, Oklahoma, XXXX, and owes {$410.00}.
Consumer complaint received 2022-05-01
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. (IN)

In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2020-05-15
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 (NV)

Today, XX/XX/20 Paypal mishandled my consumer data, resulting in a restriction of my account access, falsely stated unauthorized activity. The company denied me the right to close claims as I received refunds, in a fraudulent attempt to prevent me from removing debit & credit cards, so I can close my account with this company, that demonstrated both incompetency & fraud.
Consumer complaint received 2020-05-16
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. (FL)

My complaint is about XXXX / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my Transunion Credit Report on XX/XX/2019. Please remove immediately. XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Consumer complaint received 2020-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (SC)

Found credit card on XXXX that I never applied for. Reported it to XXXX. 

I still do not know what this elan card is. 

What is it and why is it on my report XXXX did not address this inquiry Who put this card in name?
Consumer complaint received 2022-10-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

Credit Control Corporation is reporting negative information on my report. First CCC  never mailed FDCPA_compliant collection letter ever and i notified them right away and until this day they have not send me any notice at all. second On my XXXX file they are not even providing their name its showing collection under no name. second en XXXX  file they are reporting every month as " C '' since XX/XX/2021 and on the XXXX and XXXX XXXX they are not reporting any payment history. 3rd after many requests in writing they are not providing any details and when i call i get threatened to put lein and garnishment when there is no judgement at all and when i tell them i will file complaint to cfpb they tell me i will be taken to court if i file any complaint and they can reduce the debt to 80 percent if i pay them in full. they also say if cfpb is involved they will charge me full money and legal fee. until this day i dont know what is this debt for and if i owe XXXX  any money
Consumer complaint received 2020-05-15
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. (WA)

I have a mortgage loan with XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me multiple 30,60,120 day late account posting errors. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX, 60-120 days late in XXXX and twice 120 days late in XXXX. There was an error on their part. I was never late.
Consumer complaint received 2022-11-29
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

In XXXX of XXXX I put XXXX down on a XXXX Nissan XXXX and my credit was run 9xs from different companies. Brought my score down tremendously
Consumer complaint received 2020-05-15
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. (NY)

I am a victim of identity theft who has had my disputes and calls to resolve this matter ignored on multiple occasions. This is purely unlawful and my next step will be contacting attorney general and legal proceedings with my own private attorney after exposing these injustices to all media outlets. I have police report FTC affidavit dispute letters, proof of me being out of society during time of thefts and these accounts still remain! This is the final attempt these accounts must be blocked and removed immediately!!
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (MS)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (OR)

They have been very aggressive in nature, calling third parties disclosing they are debt collectors and harassing them for information. They recent event that prompted this claim was improper service and illegal disclosure, they went to the property of my employer gentlemen asked for me by name my boss said he doesnt live here he asked who she was and she advised her name and that she was my employer he ripped the cover of a package of papers, and advised her that he was Serving me, this package of papers looks like a lawsuit with no court stamps or proceeding dates, looks official and scary but no information, but according to ORS CODE 419B-824, As per service requirements and to an employer or place or employment must be in sealed envelope to not disclose personal information, this was not They also passed on private property that is not mine passing three no trespassing signs, which carrys a fine I. Oregon of XXXX dollars also Due to there harnessing, improper and illegal actions I am asking that the CFPB, help stop them fine them appropriately
Consumer complaint received 2022-12-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SILVERGATE CAPITAL CORPORATION (AZ)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wire transferred a total of {$13000.00} to who I thought was my attorney. I soon learned it was a fraudster-controlled client account with Silvergate bank in XXXX. I immediately notified my bank, XXXX XXXX to recall the wires, but Silvergate says there are no funds and they are not accepting any responsibility for the cyber attack. I have called and sent multiple emails to their Fraud department asking Silvergate bank where my funds went because my attorney did not receive anything. As we now know, it was NOT my attorney, but a client of Silvergate who posed as my attorney. Silvergate needs to accept responsibility. Nothing on the account was real except the bank name, account number and XXXX number. Everything else was false. I am out {$13000.00} because Silvergate bank which deals with XXXX companies and cyrptocurrency is allowing criminals to hide behind their cloak of protection. I am a XXXX XXXX XXXX woman who doesn't even know what XXXX and cyrptocurrency are. I would like to report Silvergate Bank with violating terms of Federal Reserve laws as well as Computer Fraud and Abuse Act. Appreciate any help you can provide, thank you.
Consumer complaint received 2022-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (MI)

Requested a Refund on XX/XX/2022 from Aidvantage for payments made during COVID. At which time i was told it would take 4-6 weeks to process and would be repaid the same way it was made and confirmed it was still the same bank account on file. 
XX/XX/2022 Called for an update and was told 6-8 weeks. The approval date was on XX/XX/2022. 
XX/XX/2022 XXXX Called for a update had to look for my loan request was now told 8-12 weeks for ACH direct deposit and 10-14 weeks for check. Then i was told request was put in for a check and there was nothing they could do. 
XX/XX/2022 XXXX called back talked to another representative who also had a hard time finding my request. She stated it was still processing on there end and that she could put a note for request via ACH still.

Currently almost 9 weeks in today and no updated balance since the initial 4-6 week window i was told, initial request was put in on XX/XX/2022. 
Thank you, XXXX XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Just recently I got a notificationon my credit monitoring that I had a late payment. I promptlycalled Bank of America to make the paymentand asked what happened. They didnt give a clearanswer and just directed me to called XXXX XXXX I was never told why autopay was cancelled by them. My Bank of America account is still open and I have money in the account and weirdlyI wasnt even charged a late fee. They dinged my credit and I asked if they have proof that they tried to contact me but the rep just brushedme off and transferredme. I dont think they were helpful and Im sureit was their mistake and theyre trying to push off the problem.Ive been on autopay on my credit card since I opened it. They asked me if I changed my checking account or anything but nothingwas changed