davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2021 I made a dispute for the amount of {$35000.00} dispute claim number : XXXX On XX/XX/2021 I received a letter from bank of America stating that the claim has been resolved in my favor and they will be crediting my account for the entire claim amount of {$35000.00} on XX/XX/2021 My account wasn't ever credited with those funds and is still not credited and I can't get any answers or resolution from anyone. I don't know what to do I need some help getting my funds please
Consumer complaint received 2022-04-24
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. (PA)

In accordance with the fair credit reporting act. XXXX, TransUnion, XXXX has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX I purchased and financed a XXXX XXXX XXXX from a used car dealership XXXX XXXX XXXX  in XXXX XXXX At the time of purchase the dealership insisted I must finance the car purchase through them. I was approved for the loan through XXXX XXXX Bank the dealership had set up. After purchasing I had trouble obtaining the registration and contacted them several times. In XX/XX/XXXX I received the car title in the mail that showed two liens holders on the vehicle. Bank of America as lien holder 1 and XXXX XXXX bank as lien holder 2. I immediately returned to the dealership. I was told this was an error and I should receive the updated title in the mail in a few weeks once the DMV updated their records. I had followed up countless times since with the dealership. After following up with the DMV it was determined they did not receive the lien release from bank XXXX. In XX/XX/XXXX I began contacting Bank of America, XXXX, XXXX XXXX Bank, XXXX XXXX XXXX XXXX  to help resolve this issue. After a long lengthy process and contacting several agencies it was determined the car was fraudulently registered in my name without my knoledge. The dealership is now no longer in business and I have been unable to obtain the lien release from Bank of America so I can sell the car. I have contacted bank of America several times regarding this. Additional documentation and details since I contacted bank of America last are attached.
Consumer complaint received 2021-12-03
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, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX AND XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation.The information can not be accurate pursuant to 15 U.S.Code 1681 A E. in Addition, FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please, delete it for good, .XXXX  XXXX XXXX XXXX XXXX still reporting ) AS DELINQUENT, " CHARGE OFF '' YET the account is UNAUTHORIZED even be reporting due to the non written consent by the me the consumer and infringement on my 4th Amendment rights, especially to privacy and to be secure in my papers. An Identity theft report has been done ( report Number XXXX ) in accordance with the Federal Trade Commission. I have not authorized this nor should be reporting on my report, these companies are blatantly and fraudulently harassing and defaming my name and character and overall life.
Consumer complaint received 2022-04-24
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. (PA)

XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX XXXX account number XXXX in accordance wit the fair credit reporting act XXXX  accounts number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 u.s.c 1681 section 602 a.states I have the right to privacy.

15 u.s.c 1681 section 604 a. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-12-03
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. (MI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over 710. transunion has me at a score around XXXX. That is a huge differenceXXXX transunion  paints me as a Bum. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX I sent letters to the XXXX credit bureaus telling them that there were items on my credit report that should not be there! There were multiple incorrect entries that I did not know about nor know how they were put on my report! It has been over XXXX days since I sent these letters and I have still not heard back from any bureau. According to section 611 a, failure to investigate items in XXXX days gives reason to immediately remove all the inaccurate items from my credit report. And I truly believe that after waiting this long they have not even started my investigations! I need these items to be removed immediately or I will have to file for litigation!
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

Using a referral site ( XXXX ), Better.com APR is 2.561 %. But, when you go from the same link to Better.com and apply for the loan ( no data is changed ), the rate is with 4.039 % APR. There is a huge difference and this is misleading consumers and affecting their credit.
Consumer complaint received 2021-12-03
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: EQUIFAX, INC. (MI)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX  my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-03
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. (MI)

Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX. transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-12-03
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: WAKEFIELD & ASSOCIATES, INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-12-22
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: Affirm Holdings, Inc (NC)

On XX/XX/XXXX, I made reservations with XXXX XXXX XXXXXXXX using a loan through Affirm. The loan amount was for {$1400.00} with an APR of 29.99 %. I took out the loan to go to California to bury my father. 

On XX/XX/XXXX, my son, daughter, and I checked into the XXXX XXXX by XXXX XXXX. As we walked down the hallway, I noticed a large hole in the wall. We then proceeded to our room and noticed in the bedroom the top of the headboards and the mirror were very dusty ; I found this out because my XXXX started bothering me. The windowsill was rusted in the bedroom ( see picture ), and the paint was peeling away as well. The sink 's faucet in the bedroom, when turned on, was barely a trickle. The bathroom 's wallpaper was peeling from the wall. The toilet stopped up, and after a few phone calls, we finally received a plunger. There were not enough towels for the three of us, and my children had to go downstairs because no one ever brought them up to us. The pool was a murky green, which was really evident when the pool man used a brush to sweep the algae from the sides and bottom of the pool. I have stayed in XXXX hotels in the past and never had an issue, I specifically chose this hotel because it was close to the mortuary where my father was to be laid to rest. 

I contacted XXXXXXXX XXXX and was told to contact the general manager of the hotel who was not able to help me and told me to call XXXX XXXX XXXX. I also called Affirm who too could not help me because I already had this loan established with them. I then had to call XXXX and a new reservation was made for us to be switched to another XXXX hotel ; however, when we went downstairs to the front desk to let them know we were being transferred to another XXXX hotel, the young lady checked us out. We then proceeded to the XXXX XXXX, where the new reservation was. The young lady tried to pull up our reservation and told us they had no reservation for us. 

I found out that when the young lady, who was in training, at XXXX XXXX had canceled our room, she had inadvertently canceled not only the current reservation but the new one as well. My children and I were without a place to stay and had to stay at a cousin 's place. What an inconvenience this fiasco was! This was a very stressful time for us and when we were without a place to stay it was detrimental to us as well. Imagine being literally put out on the street, that is how we felt!
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A loan for a lease buyout was approved, and check was mailed to the lease holder ( XXXX ). Problem is that the check was mailed to the wrong address. Now XXXX claims they never received payment so I am essentially 2 or 3 days away from defaulting on the lease buyout. I have tried to connect with Bank of America for more than a week and either they don't pick up the phone or they do not replied to at least XXXX emails I have sent the loan XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX and/or her XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have escalated the situation within XXXX and was told a solution should be provided within 24-48 hours but that time has already elapsed without any updates.
Consumer complaint received 2021-12-21
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. (MD)

Im getting very frustrated with this credit reporting company. I have provided them with all the necessary documentation to remove accounts that do not belong on my credit report and have yet to get any progress. I am trying to purchase a home for myself and my kids and I am being held up by this companies mistakes and lack of urgency about my report. Other credit reporting companies have received equal documents and have acted accordingly. I have attached those reports.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (GA)

I went to see a XXXX - XXXX XXXX XXXX in XXXX, Ga, during the summer of 2018 which recommended I perform a certain procedure, to which I only agreed to if it was covered by my insurance. After assuring me many times that it would be covered, I went ahead with the procedure. A few months later, a bill arrived for {$210.00}. I tried reminding them of their assurance to me that it would be covered by my insurance, to no avail. They were adamant about me being fully liable for the bill. I attempted to negotiate to only be liable for half of the bill. They dismissed me and sent the bill to a collection agency, Carter-Young Inc XXXX I immediately contacted the collection agency and made the full payment on XX/XX/2018 ( payment auth code : XXXX ). It was subsequently removed from my credit report immediately. I had assumed it was all taken care of until we applied to refinance our home in XXXX of this year. Apparently, the medical center had sent a new bill to the collection agency within two weeks after receiving full payment for the original bill. We didn't receive any mailings or calls regarding this new bill for the past 3 years. So we went ahead and disputed this new bill at all XXXX reporting agencies but the collection agency ( Carter-Young ) is refusing to remove it. We're concern that if we pay this new bill, the medical center will repeat the same formula of sending a new bill for them to collect and for us to pay. Please help.
Consumer complaint received 2021-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IL)

In XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. attempting to collect a debt on behalf of XXXX. I only own one account with XXXX that I opened on XX/XX/XXXX and it's always been on autopay and current. When comparing the account on the collection letter and the sole open account I have knowledge of with XXXX did not match. I responded to the collection agency via mail in XXXX after the second letter from the collection agency and after calling XXXX and confirming there were no other accounts open in my name with my Personal Information. I sent a letter to the collection agency bringing that to their attention. They responded back stating that they will continue to collect and that I should contact XXXX instead to resolve my collection. I reached out to XXXX on XX/XX/XXXX and provided them with the account number on the collections letter and they confirmed that my social security did not match the account, the service address was not the same either, and the phone numbers were not the same. Without the collections agency verifying this information, they put the negative remark on my credit report and send the collections letter to my address. Not only jeopardizing my credit but also giving me private information of 3rd parties. I need this investigated.
Consumer complaint received 2022-06-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (CA)

A company called Gregory Funding based in XXXX XXXX and XXXX, OR assumed the servicing of our loan XX/XX/2020. Ever since, we have been disputing their accuracy in our statements. For the past 20 months, I can document and verify 20 payments, yet they continue to claim we are behind on payments ( in default ) and claim we owe more than we should and have threatened us with foreclosure. Their own records, obtained from their website, shows they have not posted 3 payments, even though I have the cancelled checks and bank records to document those payments. We applied for a refinance loan with another institution and we were conditionally approved at a lower rate, saving us thousands of dollars. All of my credit reports from 8 credit reporting agencies list me as good to excellent, above 750. Gregory Funding took it among themselves to give the institution a " poor mortgage rating '' which cost us the refinance. We were denied the chance to refinance based on Gregory Funding 's false reporting us as poor " mortgage rating. '' We have voluminous documents sent to Gregory regarding their continual false accounting. I believe my last correspondence will explain it in more detail which will be sent as an attachment below.