davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name My only social security number is XXXX My only correct date of birth is XX/XX/1993 My only employer is XXXX XXXX XXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

For over a year, Portfolio Recovery Associates has been calling me every single day. Early in the morning and sometimes during the weekend. It seems like we are already entering 2 years of them calling me. No matter how many times I blocked the number, they call through a different one each time. They even call in the evenings too. 

My debt already fell off of my credit.
Consumer complaint received 2019-04-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Due to the XXXX ( XXXX XXXX ) my family and I were displaced and could not make the payments on our vehicles. The stresses of all of this caused my wife to leave me. I am now stuck with two car payments.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

This report replaces XXXX. 
In XX/XX/XXXX I made 3 transfers of my savings from XXXX to my Bank Of America account. Deposits are successfully in my account. From this date my account was blocked. I have called Bank Of America 's Customer Service, Claims and Fraud departments on a monthly basis. On all occasions, despite being validated with bank details, passport number, email, etc., they tell me that they have not been able to access the account, so I should call 72 hours later. 
In some cases, the Fraud department has told me that I have to go to a bank branch. I am XXXX  and I live in XXXX, I need a XXXX, my current XXXX  has expired and my appointment to renew my XXXX  at the US embassy in XXXX is in XXXX. I have explained all this to the people who assist me, indicating that I can carry out other procedures. such as a notarized letter validated at the consulate in XXXX, or a power of attorney to my wife that if she has a XXXX  to go to the USA, I can send the documents that corroborate the source of funds or bank statements from XXXX. I have never received any offer. I call monthly since XXXX without any answer or solution. I can not access my bank account by any means. Today, after talking for 2 hours with the Fraud Department, they recommended that I close the account, they transferred me to the Customer Service Department, who told me that they can not close the account because they do not have access either. Finally I asked them for a number of complaints or quality of service, and they told me that the bank does not have anyone to call after 72 hours to try again ( like every month ). I need a solution to my case. Since I have my money withheld.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (TX)

I used VENMO for all my banking and cash transactions. I was encouraged by VENMO to setup direct deposit and accept a debit card for my daily purchases. All worked well in the beginning. Two weeks ago I left for vacation and upon arrival at the hotel, my card and all debt transactions were blocked. I called VENMO, after waiting hours for their customer service to open. I was told my card was under suspicion of fraud. I notified them it was not fraud and all was good. VENMO then informed me they have no control over when the card would become active again and it would take another day for the release to occur, so that I could start using the card again. I had to leave and go back home, sleeping on the side of the road as I had no other funds available. All VENMO can do is say we are sorry but nothing we can do to help you. I closed the account immediately based on this horrible experience. This company should have some kind of procedure to release fraud alerts immediately. No other bank associated with a debit card would tell someone this! Is there some type of legal action I can take to recover my losses? Does VENMO have a legal obligation to make funds available immediately?
Consumer complaint received 2022-09-26
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. (DE)

Hello, my name is XXXX XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. Im trying to buy a home for my family and because of these items I am unable to be approved. I ask that the items be deleted to my credit report. I reported the theft of my identity to the federal trade commissions Identity theft Affidavit. Please delete the items as soon as possible. Thank you!
Consumer complaint received 2021-07-07
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. (PA)

I have challenged the 100 % accurate reporting of account for XXXX XXXX  that is inaccurately reporting as a " charge off '' on my credit report ... ... how can an account be a charge off and still be open per the reporting? ( violation ) ... ... .i have challenged/disputed this account 5 times to the credit bureaus and none of the 3 bureaus have even marked this account as being in dispute ( violation ), 2 bureaus are reporting it as paid and one as derogatory ( violation ), 2 bureaus are reporting 0 month terms and one bureau is reporting a 1 month term ( violation ), they are pencil whipping these investigations
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.
Consumer complaint received 2022-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (IN)

XX/XX/2022 : My XXXX Card administered for XXXX XXXX by Goldman Sachs Bank ( " Marcus '' ) repeatedly on more then one occasion places erroneous interest charges upon my XXXX XXXX  by Marcus despite the fact that I always pay the amount due prior to the due date to avoid any interest charge or late fees. 

On XX/XX/2022 at XXXX XXXX XXXX  : I spoke with customer service representative : " XXXX '' = phonetically " XXXX ''. 

XXXX informed me that she could not understand either why I was charged {$17.00} in interest because my amount due was paid timely before the XXXX due date. XXXX informed me that she will request that the {$17.00} be removed from my XXXX Card in that no interest is due. 

I asked XXXX to have a Manager phone me and she stated that she would. 
No Manager ever phoned me. 

Instead I received an email erroneously and inexplicably stating : that the interest charge " is correct '' with no explanation : because there is no valid explanation it is a specious and fraudulent interest charge by XXXX Card by Marcus. 

I paid the amount due prior to the due date and XXXX Card by Marcus is fraudulently placing interest on my card as stated above. 

On the prior statement to the above : XXXX Card after my speaking with a Manager told me to pay : {$970.00} because a charge was in dispute so this would be my " total due ''. I timely paid the {$970.00} on time as informed by a XXXX Card Manager by telephone : and then XXXX Card charged me {$6.00} interest despite their " Manager '' informing me this would be the " total '' due to avoid any late charge and/or interest charge. Despite the immediately preceding XXXX Card charged me {$6.00} for interest that is specious and an illicit charge.
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: Experian Information Solutions Inc. (MS)

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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I never gave XXXX permission to furnish any installment accounts on my consumer report. )
Consumer complaint received 2022-02-03
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. (CA)

I am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : 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 ( XXXX ) XXXX.
Consumer complaint received 2021-02-05
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. (NY)

XXXX has incorrectly reported three ( 3 ) 90-day late payments on my credit report during a federally mandated suspension of all student loan repayments. When I contacted them to correct this error in their reporting, they refused to correct it. 

According to Section 3513 ( d ) of the CARES Act ( Public Law 116-136 ), federal student loan repayment suspensions were supposed to be reported to consumer reporting agencies positively ( i.e., as if the borrower has been making regular payments. In relevant part subsection ( d ) reads : During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

CARES Act suspension of federal student loan repayment was extended until XX/XX/2021. 

XXXX has completely disregarded federal law and has ruined my credit. Given that they have made this fatal error in their reporting, I am respectfully requesting that this error be corrected and XXXX reflect the appropriate positive payment history.
Consumer complaint received 2022-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have tried to access my credit report through XXXX. Every time I enter my information to retrieve my report Im told there is no account associated with my information. When I try making a new account I am told there is an account already made. Its a never ending loop of getting no where to log in. Ive tried having some from XXXX help me and they couldnt get past the loop either. XXXX has outdated information on my report with inaccurate account information that need to be disputed. 

Transunion wont remove an account that is XXXX years old. Transunion has locked me out of my account. There is a lot of inaccurate information on my transunion report.
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I wish to be included in the Wells Fargo settlement created as a result of the CFPB complaint. I had a Wells Fargo mortgage and was repeatedly denied a modification. 

Due to a financial hardship I requested a mortgage modification. I was denied the modification based on my mortgage type " not being able to be modified ''. I was then invited to reapply a number of times for a modification that could not be done, according to Wells Fargo. Each time the modification was denied for the same reason. 

I have since learned from a legal consultation that the mortgage could be modified, but was denied based on an arbitrary and not financially-based decision. 

Had I known that the mortgage could not be modified I would have taken other actions to avoid foreclosure and an adverse credit rating. 

My property went into foreclosure and was sold in XXXX.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX, XXXX XXXX XXXX in XXXX, MI reported to XXXX that I was deceased instead of my Mother, XXXX XXXX ; the former joint lendee who passed on XX/XX/XXXX. Due to the XX/XX/XXXX holiday, I notified XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and have provided her death certificate ( please see Exhibit A in the attachments ) multiple times from XX/XX/XXXX to most recently on XX/XX/XXXX. 

Now, Mr. XXXX XXXX, Acct Mgr in the Loan Dept says I need to provide a NOTARIZED copy of the previously submitted documentation. Please note this has been submitted previously several times to XXXX XXXX XXXX, the XXXX, the Consumer Finance Protection, XXXX, Equifax, XXXX, XXXX and the MI Attorney General 's Office.
Consumer complaint received 2020-08-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (CO)

Usbank fraudulently declined my loan. 
I have audio recording from my conversation with us bank. 
They admit they declined my loan because the yrequired additional information from me. 
However, they never reached out to acquire any additional information, They used this to falsely decline my loan. They lied several times about contact my for information which they did not. Phone records prove this. 
Additionally, there fraudulent behavior has impacted my credit score, as they did a hard credit pull priuor to fraudulently declining my loan. This has lowered my credit scored and negatively impacted me. UsBank has committed a clear case of fraud, and they refuse to remove the hard credit pull.
Consumer complaint received 2021-02-05
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 — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results.
Consumer complaint received 2020-10-06
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: Bread Financial Holdings, Inc. (NY)

I got my XXXX Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I Wayfair XX/XX/XXXX {$6500.00} XXXX XXXX XXXX XX/XX/XXXX {$150000.00} XXXX   XXXX CC {$3500.00} XXXX CC {$10000.00} XXXX  XXXX CC {$8900.00}
Consumer complaint received 2024-10-19
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC (WI)

I recovered an old email address after all of my accounts were hacked by XXXX XXXX XXXX ( D.O.B XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) While I'm going through about a years worth of emails many of which are scams and malicious intended to further steal my data and identity, I see HUNDREDS of emails from XXXX XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX ( XXXX XXXX  ) account ). 
Ive asked multiple times for them to cease and desist. The emails continue regardless.
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: Experian Information Solutions Inc. (GA)

I've sent XXXX, XXXX, and Experian multiply letters ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about removing accounts that are reporting inaccurate information on my reports. The Credit Bureaus stated my accounts were properly investigated and " Verified as Accurate '', but how is that possible if the Open Date, XXXX, Date Last Reported, etc. is still inaccurate. I showed them factual disputes on the credit reports of the inaccuracies and they still refuse to remove these accounts. THIS IS GROUND FOR REMOVAL, they also violated my rights under 15 USC 1681 Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Sect 602 A,,, States I have the right to privacy 15 USC 1681 Sect 604 a ( 2 ),,, A consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681n ( A ) ( I ),,, Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Consumer complaint received 2024-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

LOUSY TRANSUNION AND XXXX SAID THEY COULDN'T IDENTIFY ME AT XXXX AND REFUSED TO PROVIDE TRANSUNION AND XXXX CREDIT REPORTS EVEN THOUGH XXXX DID IDENTIFY ME AND PROVIDED ME WITH MY XXXX REPORT.
Consumer complaint received 2021-02-05
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 (TX)

On XX/XX/2020 i purchased a XXXX XXXX XXXX ticket to the value of {$1000.00}, and an extra {$280.00} through a 3rd party merchant called XXXX. Because of covid 19 the flights ended up being cancelled and we could not fly. XXXX XXXX will not offer refunds as the purchase was not done directly but through a 3rd party. XXXX has since stopped taking my calls regarding the refund. I have opened disputes with Discover but they keep putting the charges back as valid. I need my money back please assist me.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After using other financial services online which would normally include access to my transunion report, my account is being blocked. I can not login to my own account, I can not review the information on my transunion report. There is nowhere that they respond when an email is sent to the credit reporting agency. I have no rights to my own credit report at all.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00}
Consumer complaint received 2022-09-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio (FL)

After requesting a copy of my credit report, I found this account from a third party they said stated over the phone, ( Vance & Huffman LLC Partial Acct # XXXX ), about me owing {$340.00}, for which I know nothing about.
Consumer complaint received 2020-08-25
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: ATG Credit, LLC (IL)

I have a loan with XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-10-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I have been trying to resolve an incorrect PMI charge on my mortgage payoff as I am currently refinancing my XXXX  home mortgage. I paid my Annual XXXX  Mortgage Insurance premium in XXXX on XX/XX/21. The funds were deducted from my escrow account. New Rez LLC/Shellpoint has been delinquent on my requests for correct as my mortgage payoff says I owe this fee again in the amount of {$1100.00}. Calling there customer service number is useless as the representatives and managers all state the only way to get this corrected is to email the loan servicing department. I have done so for 3 weeks now and I have received no response to my inquiry. Only a written letter in the mail thanking me for my inquiry. How as a consumer am I supposed to feel confident about my mortgage service when questions with this large of a magnitude and discrepancy can go unanswered for weeks and customer service is powerless to help me out.