davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/20 I electronically deposited {$7000.00} to my Bank of America checking account from a XXXX XXXX checking account via the BofA mobile app. We left the next morning on a week 's vacation We returned from vacation on XX/XX/20 and noticed that the above deposit did not show nor was there an email receipt. I then redeposited the same check thinking it did not get properly processed. I received a confirmation email at that time. On XX/XX/20 the second deposit first cleared and then reversed due to it registering as a duplicate deposit. We then checked the XXXX account to find that the check, # XXXX, cleared the XXXX bank on XX/XX/20. 
On Tuesday XX/XX/20 we followed up with XXXX fraud who discovered the check was in fact deposited into a BofA account owned by XXXX. In addition BofA honored the {$7000.00} deposit on XX/XX/20. 
On Tuesday XX/XX/20 BofA reversed the {$7000.00} credit, an explanatory letter was mailed which I have not yet received. 
On XX/XX/20 I spent 2 hours with various BofA persons, in person and on the phone to try and rectify the problem to no avail. They ended up telling me to talk to XXXX there was nothing more they could do. XXXX suggest I wait to see if the letter indicates how the {$7000.00} is being dealt with, perhaps it will be returned to my XXXX account. As of today it has not been returned. 
According to the XXXX fraud team the original check was first processed on XX/XX/20, sequence number XXXX, check number XXXX. The second deposit attempt on XX/XX/20 was sequence number XXXX and was immediately debited back out as a duplicate deposit. 
No one either at BofA or XXXX XXXX can advise me of what I need to do to get my money returned. 
I am attached a check image of the processed check from XXXX.
Consumer complaint received 2018-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

Despite submitting the correct paperwork on time in XX/XX/2018 I kept getting emails from loan servicer Navient that my IDR application was denied. Then a few days later I get emails saying that it was and a few days later that it was denied again. I called the company and the problem seemed to be resolved. However, XX/XX/2018 I am beginning to get IDR approval notices and a notvei thatI need to submit my IDR application by XX/XX/2018. 
Since the confusion with the IDR began I have also started to receive late payment notifications, despite my being enrolled in the autopay plan. The autopay system is supposed to automatically deduct a minimum of the full amount due. So, I am utterly confused as to why Navient 's system is deducting less than the minimum due. I am afraid that this company will end up ruining my credit because they can not get their system to function correctly and/or if the dysfunction is deliberate to scam customers for late payment fees. 

I have spoken with customer service twice ( once in XXXX and once in XXXX ) on the phone since this issue began and both times ( took about a hour each time ), I was assured the problem was solved. Now in XXXX here I am again with the exact same problems that I have been dealing with since XXXX.
Consumer complaint received 2018-11-17
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. (UT)

A fraudulent account from XXXX / XXXX XXXX  XXXX XXXX has been been previously found to be fraudulent and they refuse to remove it and / or conduct proper investigation.
Consumer complaint received 2023-03-22
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. (SC)

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.

has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person 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.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I was approved for HAF program back in XXXX for payments to begin in XXXX. Payments never issued and applied although approved. PHH mortgage servicing provider NEVER advised payments were never received. HAF insisted they are sending payments. PHH is saying no payments issued. I have called HAF several times they insist payments have been made. I currently own the home with my EX wife who lives in the home. She applied for this program and was approved as she is part owner.
Consumer complaint received 2023-03-22
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 A person 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Consumer complaint received 2020-07-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (CA)

Thank you for this opportunity. On behalf of my client, we have been trying to work with Fay Servicing, Ms XXXX for over a year. And for XXXX XXXX, a HUD-approved housing counselor for months. 
It has been well over many weeks 1st Trying to confirm they have received the letter of authorization. ( I have and for years have worked with many lenders it is strange as well is very new ... that there is a certification process for the letter of authorizations to speak on behalf of the consumer. 
In addition, it is unheard of the lack of support and assistance the agency 's help is will to offer. 
Continually advising Ms. XXXX to I've up on trying. 
Not to mention continually sending Ms. XXXX mail to the incorrect address. 
No to mention our fear is they continue to play these games that the customer eventually gives up or she loses her home. 
I understand I was granted a loan modification once before. The reps keep telling me that I have bee offered more than one I have only signed for 1 loan mod that is when my fiance passed away.
Consumer complaint received 2022-08-06
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. (TX)

Sent disputes XX/XX/2022 to Equifax, XXXX, & XXXX to remove information under Public Records regarding bankruptcy. Equifax & XXXX have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. XXXX stated the information as verified ( XX/XX/2022 ).
Consumer complaint received 2023-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MS)

My car was stolen on XX/XX/2022 I contact the insurance compamy XXXX XXXX who denied the XXXX but also submited the claim to XXXX XXXX due to having Gap Coverage throught XXXX But XXXX is stating XXXX XXXX is the Gap insurance and they process ther'er own claims whi is unfair proctice procedure to the consumer becuse if insurce denies a claim they don't pay the balance off leaving you with a bace even though you've purchased a gap policy
Consumer complaint received 2021-06-24
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. (TX)

on XXXX I sent a letter regarding inaccurate and unknow things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (FL)

I visited the bank in XXXX XXXX Florida with all the necessarily paper work. 
The young lady prepared the forms and said everything was in place and all I need do was wire the funds to their bank. I arranged for the money to be wired to the bank but it was rejected because the paperwork as prepared by their representative was incorrect. 
The money was returned to my bank less {$50.00}. 
I have spoken to a manager and he has not arranged for return of my missing {$50.00}. 
It has been 3 weeks and no response.
Consumer complaint received 2023-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-01-21
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: EQUIFAX, INC. (FL)

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MD)

Account Details Last Reported XX/XX/XXXX Collection Agency LJ ROSS Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$620.00} High Balance {$620.00} Remarks Placed for collection Creditor Contact Details No contact information has been reported by this creditor. 
This is on my report with no further info as to debt or debtor
Consumer complaint received 2023-03-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (MO)

Just got the vehicle and was on the verge of getting insured and everything then I got t-boned by another driver and the car was totaled. It was difficult to get it insured and fixed being that I just started my job at the time. Which was in XXXX of XXXX. It was a XXXXXXXX XXXXr and the payment was about XXXX a month. They still put the repo on my credit and now it's preventing me from getting a house. When the pandemic started that made it that much more difficult to try and pay the car off even tho I wasn't driving it anymore. Need help with trying to get that off my report so I can move and get to another phase in my life
Consumer complaint received 2021-01-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 I sent a letters to all 3 bureaus about my credit report which shows a lot things that are inaccurate. It has been over 90 days and I have not received a response back. 
1. Is this normal for all 3 bureaus to avoid the law that clearly states they have 30 days to investigate and inform me of findings? 
2.Since it has been over 90 days shouldn't these things be removed because the bureaus have violated federal laws?

3. As a XXXX taking care of patients with the coronavirus day in and day out for over 12 hours, this is the last thing that I should have to fight as a US citizen.
Consumer complaint received 2023-03-22
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. (FL)

I reviewed my consumer reports and noticed that I had 1 late payment on an account that I was never late for. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM accuracy. I have never been late on payments for the account. 

XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can ; t be provided, I demand these payments be updated on " on-time '' and never late as they should be as I was NEVER late or REMOVE from my consumer report. 

Thanks, XXXX XXXX.
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My consumer right has been violated according to 15 US code 1681 .... inaccurate informatiom is listed on my report which should be deleted immediately
Consumer complaint received 2022-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The remaining inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-24
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: EQUIFAX, INC. (PA)

My personal information was compromised in an equifax data breach. Shortly after, I noticed several hard inquiries that were not authorized by myself and are Fraudulent.I 've initiated a dispute with equifax, I've submitted FTC report along with the supporting documentation to equifax as well as placed a security freeze on the account. Equifax has still refused to remove the hard inquiries. The accounts are ... 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP. (WA)

Dear [ cex.io/Compliance TeaXXXX ], Thank you for your recent communication regarding the closure of my account. I understand that this decision has been made based on your compliance procedures. 

However, I would like to urgently address the matter of the assets currently held within my account. I made a deposit of XXXX with my XXXXXXXX XXXX XXXX and XXXXXXXX XXXX with my XXXX account wish I bought XXXX  and my account was lock for 5 days after my account was close and my asset with cex .io they refuse refund of the money back to my account saying all sort of things not related. 
Since the decision is not open to appeal and details can not be disclosed, I am requesting clear instructions on how I can retrieve my funds or transfer them to an alternative account before the closure is finalized. 

Please advise on the necessary steps I need to take or the documentation required to facilitate the release or transfer of my assets. I would appreciate a prompt response to ensure this matter is resolved without unnecessary delay. 

Thank you for your assistance and understanding.
Consumer complaint received 2023-03-22
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Credit acceptance corp has sent me a summons and also bankruptcy attorneys have sent advertisements but to my boyfriends parents house, somewhere I have never lived, and this is someone I dont have contact with. I dont owe these people money but after going to court connect I see a lawsuit for me, they have the wrong addresses, I have never lived at XXXX XXXX XXXX I have never even used that address for anything. They have never sent me anything personally, this was a loan taken out by my ex husband in XXXX  and that was XXXX XXXX XXXX which is beyond the statute of limitations, as far as I know, no payments or even communication have been made with this company, sending my personal information to people I am not even related to is beyond a breach.
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4400.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 


-- AUTO LOANS OR LEASES 2. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they have to be deleted. Filing for litigation due to the stress would be the next step for me to take. The wrong person my have used information which was impacted by the Equifax data breach.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (IL)

I contacted Discover Card and wanted to offer them a settlment payment to once and for all clear my debt. I have been paying this card for years, and the balance never goes down. I have no credit available and it is not an open card. 

Due to Covid 19, I had hardship problems. My mother is sick and I must leave overseas for an undetermined amount of time. I want to settle this credit card to a XXXX balance. When I called the comical hardship department, their biggest help was to offer two months no interest. 

This woman would not transfer me to the settlment department. This woman just kept saying they do not have such a thing, where everything else online states that it does. 

Would they prefer that I pay them XXXX? i RECEIVED NO HELP from them This occurred today on XXXX XXXX 2022. Telephone XXXX XXXX XXXX XXXX