davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (VA)

I was issued a card from XXXX This site is owned by Blackhawk Networks and is currently the subject of a class action lawsuit for a massive data breach. This company has a 97 % negative rating at various sites like XXXX XXXX for a series of tactics designed to prevent consumers from being able to use the card. These cards are often issued to consumers by airlines which is where the bulk of complaints come from. My card is activated yet declined everywhere. I was unable to add the card to XXXX XXXX. Their app, whose sole purpose is to facilitate this doesnt work and appears to be a trojan that collects personal information from devices. Ive spent 3 hours on the phone with them, and that phone system which is often down is designed to prevent consumers from resolving issues. Once I was able to speak to someone, they were unable to provide me with information about where the card is accepted despite telling me it only works at certain retailers. This is despite it carrying a XXXX logo. The site is deliberately misleading, and despite my having an activated card and access to the card number, XXXX and expiration date both the site and the company tell me I had to create an account, and provide them with personal information to use it. That has had no affect, but their terms of use states that they will use this information for marketing. This is for a pre-activated digital card I was given as a gift. Their customer service people have also demanded information about the computers that I own, operating systems, etc. My experiences are very similar to other peoples. The case I opened with the company was automatically closed with no resolution. One of this companies other sites, giftcards.com suffered a major data breach in 2020. I believes that this company relies on a tactics to ensure that a certain percentage of consumers will give up on getting their money which Blackhawk will then pocket.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CIT BANK, NATIONAL ASSOCIATION (MA)

I am a home owner in the state of Massachusetts. I have fallen under a financial hardship ; I been trying to work with my bank and provided them with everything they have asked for but One West Bank is refusing to assist me and this situation is putting my family and I under an amazing stress same as they did in the past. In XXXX I applied and was found eligible for a HAMP modification trial plan. I was instructed to make XXXX trial payment on time to then be place on a permanent modification ; I made over XXXX payments towrd such offered mod but I was never permanently modified, as continued making the payment then the bank stopped taking my payments and denied my modification for an invalid reason of missing income documents after I had been informed the bank had received all documentation requested and the bank violated the agreement as after XXXX trial payments I was to be permanently modified. On or about XXXX XXXX I re-applied for a HAMP, the bank acknowledged receiving all documentation requested but are denying me for HAMP stating that I failed in XXXX that is inaccurate as mentioned above I made over XXXX trial payment but was never modified. I am requesting your office to look into One West Bank behavior and review in my case
Consumer complaint received 2022-12-31
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 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 states : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-31
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 AMERICA, NATIONAL ASSOCIATION (CA)

from my debit account, which receives wages, someone began to make purchases on XXXX. I did not consent to this. There was no notification that my card was linked to XXXX. I contacted the bank and XXXX for clams of fraud. The bank told me that I allegedly agreed to use my card, but this is not so. XXXX replied that contact the bank, the transactions were not from your account. but the fact that the delivery of goods was not to my address XXXX does not care
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NM)

This is the XXXX complaint I have filed against Select Portfolio Servicing. I filed a modification request five years ago before SPS became the loan servicer. After I 'd submitted documentation repeatedly over that period, SPS stopped acknowledging my counsel and mailed me directly an offer, which I never received. When they notified my counsel that the offer was expired ( even though they claimed they were not authorized to speak with my counsel ), SPS refused to extend the time to permit me to accept the offer. 
Accordingly, I submitted a complete new modification application, XXXX on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 and XXXX XXXX, 2015. SPS 's response was form letters directing me to file the forms I had just filed. Finally, on XXXX XXXX, 2015 and XXXX XXXX, 2015, SPS acknowledged receiving correspondence and information though the form letters do n't identify specifically what they received. Though my counsel has repeatedly asked SPS to call him if additional documentation is required, they refuse to do this. Instead, SPS continues to send form letters requesting me to send documents I have already, and repeatedly, transmitted to them, through my legal counsel.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (SD)

A soft inquiry on my credit bureau report lead to a review of my credit card and Wells Fargo determined that my inactivity on the credit report was a risk and needed to close my credit card. Called Wells Fargo to discuss the situation. Wells Fargo advised that I could apply to have the credit card reviewed for reopen but they would have to pull my credit information again to see about reopening it. This seems like unnecessary credit pulling.
Consumer complaint received 2016-08-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

Automatic payments for my car loan were discontinued by NMAC. I was not informed that this was happening so the bill was not paid for over 30 days. This was reported to the credit agencies and affected my credit score. I had this loan for 5 years and never missed a payment until the last two payments were due.
Consumer complaint received 2016-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had a collection removed in XXXX 2015 and now it is back on the credit report-yes I did called and the lady said that it was just taken off earlier than it was suppose to I am asking is that legal also I have disputed the collection 3 or 4 times because I have never lived in the apartments so do I have to wait another 7 years to be taken off
Consumer complaint received 2022-12-31
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. (TN)

In accordance with the Fair Credit Reporting act 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 2017-01-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is formal notice that you have failed to respond to my online dispute submitted On XX/XX/2016 I submitted a dispute with Transunion to validate a debt showing on my credit file. They have not responded within the XXXX day limitation for disputes. The debt has not been validated in any form and I am demanding it be removed before I take further action with the Federal Trade Comission. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA.
Consumer complaint received 2016-04-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Here is the proof that I sent Transunion asking them for my original signed documents per the section 609 act and they refused I have asked them who did they talk to when they claim to have verified the account! Once again me as the consumer has the right to asked for those documents per the law.. it also states if the reporting agency can not verify the items it must be delete
Consumer complaint received 2022-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In XXXX XXXX I lost my job, and XXXX  XXXX my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over 5 years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments? When did the late occur? And why is the balance still the same, was the car not sold? Who was it sold to? Is the account charged off? If so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate, incomplete, unverifiable information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. For many years. This company is updating incomplete, unverifiable, and incorrect information every month. I have disputed these unverifiable inaccuracies in writing, on line, and by phone with Transunion, XXXX, XXXX, and the company ; but yet these data furnishes still allow this company to destroy my credit worthiness by intentionally reporting incomplete, unverified, and inaccurate information every month for XXXX. This company is intentionally destroying my credit worthiness by intentionally violating the FCRA requirements by intentionally reporting incomplete, inaccurate, and unverifiable information. 

PLEASE HELP BECAUSE I HAVE SUBMITTED MANY DISPUTES BUT THE COMPANY AND THE CREDIT BUREAUS CONTINUE TO '' UPDATE '' THE ACCOUNT WITH INACCURATE, UNVERIFIABLE INFORMATION ALTHOUGH THEY CLAIM TO HAVE INVESTIGATED.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

I have hard inquiries for a car in XXXX 2014 I should not have any inquiries concerning a car in late 2014. I purchased a car in XXXX 2014. I am not sure where they came from and previously sent to XXXX & Experian to have those hard inquiries removed with no success.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-12-31
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. (TN)

In accordance with the Fair Credit Reporting act 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 2022-12-31
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2015-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Revenue Corporation (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2022-12-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have disputed a charge on my credit card and provided all documentation showing I paid the disputed amount with another method of payment through bank of america. You charged me twice for the same transaction and refuse to remove it. You put the {$540.00} charge back on my credit card on XXXX XXXX even though I paid it on XXXX XXXX.
Consumer complaint received 2022-12-31
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-31
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2022-12-31
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. (CA)

Account info Account name XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$490.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$640.00} Terms NA This account was fraudulent, and this is identity theft and double posting to the account. this need to be thoroughly investigated '. Please
Consumer complaint received 2022-12-31
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. (MD)

In accordance to the Fair Credit Reporting Act the list below g Has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct Account number XXXX XXXX  XXXX Acct Account number XXXX
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I contacted Specialized Loan Srrvicing LLC XX/XX/XXXX and XX/XX/2022, to dvise them that my taxes were due of XXXX. I was assured in XXXX that they would get paid. The taxes were due XX/XX/XXXX. So I call them on XXXX XXXX to advise taxes are NOT showing paid. They stated they would contact my county tax office. It's now XX/XX/XXXX and my taxes are delinquent. I pay a lot of money in an escrow account for my taxes to now be delinquent.
Consumer complaint received 2022-12-31
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. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] XXXX  : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2016-12-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (TN)

I have an installment loan with the company. They call me repeatedly to ask about my payment. I informed them that I would be in that afternoon, but I was not able to make it there on several occasions due to getting off work after they closed. The company calls me during the day and if I am in a meeting or with a customer, I answer and tell that that I will call them back. On XX/XX/XXXX they called my cell, I answered and said that I was in a meeting and would call them back. 5 minutes later they called my job and asked to verify employment. I called the company ( XXXX ) back and asked why would they call and verify employment ; as they had just spoken to me. She said it was because every time they call that they get hung up on. I told her that employment verification is for loan approval and that I did not want her calling my place of employment anymore or I would be filing a complaint with CFPB because she has my personal number to speak with me and I did not want her calling my place of employment. She said that it is in my contract that employment can be verified. I told her that I did not want them calling my employer anymore because it is against the law if I asked them to stop. I assume that they are circumventing the law by calling to " verify employment '' but in essence employment verification is only for loan approval. If I already have the loan, there is no reason to verify employment because I am responsible for the loan rather I am working or not. This behavior has become harassment ; the payment is on 18 days delinquent
Consumer complaint received 2022-12-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC (MS)

OPPORTUNITY FINANCIAL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX {$0.00} Highest Balance $ 1200 XXXX  payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term XXXX  months Payment History Last payment XXXX XXXX, XXXX Current Payment Status In XXXX Worst Payment Status No Info Account Details Account status Derogatory Type Unsecured loan Responsibility Individual Remarks Payment after XXXX XXXX XXXX profit and loss Consumer Complaint Paid through collections, and the debt is still reporting as collections.
Consumer complaint received 2022-12-31
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: DISCOVER BANK (AL)

Upon checking my credit report I notice a late payment that decreased my XXXX XXXX by XXXX plus points on XX/XX/2022. According to 15 USC 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 '' Discover is in violation of the FCRA, and can not report late payments according to the fair credit reporting act. I demand that discover remove the late from my consumer credit report or I will move forward with legal actions.