davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-26
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)

For the past couple of months I have tried to get two late payments updated to paid on time and not late. I spoke with XXXX credit services and the XXXX of XXXX reviews in the credit department. Because of my recent great credit history she agreed to updated the payment status to agreed and not late for payments in XXXX and XXXX of XXXX Credit agencies still haven't updated the information yet and I have sent in numerous letters to the bureaus and nothing yet.
Consumer complaint received 2021-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2021-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I called Bank of America on XX/XX/XXXX @ XXXX XXXX  EST and spoke to an associate named XXXX from the South Carolina call center to question a monthly maintenance fee that was charged on my savings account. The associate placed me on a silent hold for 14 minutes. I asked if she was still with me on the line. XXXX responded yes. XXXX stated that I was charged the {$12.00} dollar fee because I did not have a checking account and this is why I was not under the BOA Rewards Plus program. I advised that I do have a checking and savings account with BOA and I was always a member. I asked to check the history since I was always a Rewards member. She was not professional and did not want to give me the courtesy credit. When I asked for the supervisor, she was laughing at me. I stated what was so funny? At this point, I felt I was mistreated and not valued as a client. This is not the XXXX XXXX XXXX, it's a poor customer contact. I waited for a supervisor for another 15 minutes until I spoke to XXXX. I advised the supervisor to listen to the call and provide the necessary coaching and possibly disciplinary action that is required to change the associate 's behavior towards customers. Even though I received the adjustment, I am not satisfied with the level of treatment provided by BOA and I will close the account and move my money somewhere else. This is unsatisfactory and not acceptable. The supervisor did not explain what will happen in the foreseeable future if I would be billed the recurring {$12.00} dollars on a monthly basis. In addition I have never received notification that I was removed from the program. BOA just charged me without proper notification.
Consumer complaint received 2022-06-02
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. (CO)

sent letter to the three bureaus XXXX, experian, and XXXX on XX/XX/2022 and XX/XX/2022 and havent got a response yet. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

. Validate Verify XXXX XXXX Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : Please remove this inaccurate information from my credit report. 

3. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX  Account Number : Please remove it from my credit report.
Consumer complaint received 2019-01-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation (NV)

I bought a XXXX XXXX XXXX XXXX from XXXX XXXX Bridgecrest on XX/XX/XXXX for XXXX Plus I also added three extra services because it was used, and I wanted to make sure it was covered in case of a breakdown, loss, damaged, or totaled. So I paid XXXX for Gap, and XXXX for motion Gps and, XXXX for XXXX XXXX coverage for maintance issues. will on XX/XX/XXXX I was in a auto accident, and the car was deemed a total loss. I was rushed to XXXX XXXX at XXXX in XXXX XXXX for a XXXX XXXX, and was in XXXX. I filed a claim, and the insurnace and, Bridegcreast agreed to a settlement amount of XXXX My insurance sent a check in XXXX and, another in XXXX. Gap also applied XXXX and, I had made payments in the amount of XXXX. I never did get a refund on my warrantys even after I canceled them acording to XXXX it was applied to my balance. The car was only XXXX dollars, I only had the car nine months. Bridgecrest charged off my account, even after they got over XXXX. That is odd because they got payments in XXXX XXXX XXXX. I spoke to XXXX from Bridgecrest on XX/XX/XXXX and, he told me that the account was paid and, that they report to the credit companys at the end of the month, and it would say paid. I am being charged interst on a car I only had for nine months. They basicly got almost the full contract as, if I had the car for the full 65 month term. This is wrong. This account should not be charged off as, they where getting payments from the insurance companys that I paid for those inruances to cover things like this. It should count as, payments that I made. the car was a XXXX car that I had for only nine months but yet Bridecrest got basicly XXXX and is still trying to claim I owe XXXX they reported it to my credit reports all three. so in fact they are trying to get the full interest for the full 65 months, and the prinpicle balance, when I should only be charged interest for the time I had the car which was only nine months, its a simple interest contract, and you got payments in XXXX XXXX XXXX XXXX I should have only been 30 days late for XXXX. I also want to add that even after I signed the car over I still made payments to the lien holder. I was in XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I told Bridgecrest this, but they did not care.
Consumer complaint received 2022-09-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Supreme Lending (TX)

Supreme Lending advertised a 9 month rate lock as well as up to 3 rate lock extensions for a total of 12 months. 

Supreme Lending has refused to honor their rate lock extension offering with many buyers- including myself - despite having in writing that these options were on the table This is a deceptive practice and violation of UDAAP.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Breach of Personal Information Notification Dear TransUnion Dispute Department, I am writing to formally address a serious concern regarding the unauthorized sharing of my personal information without my consent, as defined under Section 18.2-186.6 of the Virginia Code . 

It has come to my attention that there has been a breach of the security of your system, which involves the unauthorized access and acquisition of unencrypted and unredacted computerized data that compromises the security or confidentiality of my personal information. This situation not only violates my privacy rights but also poses a significant risk of identity theft and other forms of fraud.

As a resident of the Commonwealth, I am deeply troubled by the potential consequences of this breach. I request a detailed explanation regarding how my information was accessed, the specific data that may have been compromised, and the measures being taken to rectify this situation. Additionally, I would appreciate information on how you plan to notify affected individuals as required by law. I will continue to file complaints with the CFPB, FTC until this account is removed from my credit report. Your company has ignored all of my disputes, and reporting misleading information. 

I expect a prompt response to this matter, as it is crucial for me to understand the steps being taken to protect my personal information and prevent further unauthorized access. 

Thank you for your attention to this urgent matter. I look forward to your swift reply. 

Sincerely,
Consumer complaint received 2020-11-02
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Equity Settlement Services, Inc. (NC)

On Monday XX/XX/XXXX. XXXX XXXX a signing notary agent made tan appointment for my closing to take place on Monday at XXXX changing it later to XXXX due to a conflict on her part. I requested all documents for review before signing. I noticed on the final disclosure statement charges that were questionable and appeared inflated to increase my closing cost. Credit report fees totalling {$110.00}, BPC fee {$200.00} that the Title company agreed to refund thru my attorney in a follow up email. Recording fees {$160.00}, Settlement fee was increased by {$100.00} from the initial disclosure from {$750.00} to {$850.00}, Title Search and Review fees totaled {$700.00} and my Title Insurance {$620.00}. The closing cost due not appear in accordance with North Carolina regulations. The Title Company Equity Settlement Company has a general affidavit that I signed noting on line 14 of their affidavit states to determine eligibility for a discounted+premium, provide the Title closer with a copy of any title insurance policy issued to the property within the past 10 years or the closing statement confirming payment of a premium for prior title insurance policy, and the policy amount, and evidence of the amount due on the exist mortgage being refinanced. On XX/XX/XXXX I forwarded to Ms XXXX the Title closer a copy of my closing document to which she replied speak to my loan officer. On XX/XX/XXXX I questioned the issue of the discount and supplied my closing document from XXXX and it was disregarded. Furthermore Ms XXXX the Title closer or another person forged my initials on the COVID-19 Certification document after my signing, this is not my hand writing. I provided a cancelled check to Ms XXXX for the deposit of my cash out into my checking account. The cancelled check appears in the final copy of documents I received from Mr XXXX of XXXX. Because this closing was handled poorly I incurred late charges and penalties as well from my creditors as the checks were dated XX/XX/XXXX, I closed in NY and Equity Settlement was well aware of this and mailed all the checks to my NC residence left it at my door provided me with a receipt alleging it was shipped and billed on XX/XX/XXXX when the checks were issued and dated XX/XX/XXXX delivery was on XX/XX/XXXX. Equity Settlement is practicing unfairly as a Title Closer charging fees that are not required in North Carolina especially on a refinance of a property already owned by me in NC. I feel they are discriminating towards people of XXXX. Equity Settlement has violated their own affidavit they had me sign. Im requesting a refund of the charges that are not required by NC Mortgage laws and my residence should not be subjected to NYS Mortgage laws. Furthermore I was not provided with the final disclosure until my signing of the documents on XX/XX/XXXX.
Consumer complaint received 2021-07-30
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. (CA)

A 30 day late showed up on my credit report for a credit card I applied in XX/XX/2021 I never got the card or approval. I contacted the credit agency and the credit card company " XXXX XXXX '' telling them that I never got approved, never received a card or statement or email or phone call, so I didn't know I need to make a payment. To please remove this late charge from my account. I filed a dispute, provided documentation and nothing. I contacted XXXX XXXX they only accept email and can not communicate. It appears that they opened an account didn't tell me and then charged me a {$25.00} fee, a late charge and a 30 day late notice on my credit report. The agencies are aware but will not do anything. I paid the {$30.00} that was there, but now I don't know what to do about the 30 day late. My score went down 30 points and this has caused damage to my family as we were financing our home and now we can't.
Consumer complaint received 2019-01-13
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. (VA)

XXXX  was contacted over 30 days ago regarding items that were not verified correctly as mine. XXXX has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.XXXX  reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

There is an address, XXXX XXXX XXXX, XXXX XXXX, CA, that appears on my credit report. I have never lived at this address. When you XXXX this address, it is associated with a mail drop box/business. I was a victim of credit fraud and have contacted Experian over XXXX times to tell them this address does not belong to me. I have written letters, I have provided them with a police report, I have even asked them to XXXX the address. I have spoken to the fraud department, special services, and a supervisor. At this point, Experian is blatantly ignoring me and asking me to provide the same information repetitively. Please delete this address.
Consumer complaint received 2022-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I saw an ad on XXXX for a house for rent contacted the person set up a meeting to go view the house and he questioned it in the meantime if I would like to begin the application process and get approved I paid the hundred dollars for the application process and he said I was we were approved and asked if we wanted to do the down payment so that we can remove the ad from the online I told him I would pay partial of it and the other partial when I saw it and got keys made the transfer I never heard from him again
Consumer complaint received 2021-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: All State Credit Bureau, Inc. (MI)

I have tried to dispute the debt of {$2300.00} from Allstate Credit Bureau from my credit report. This is not my debt. I have attempted to contact the agency and was unsuccessful. This debt does not belong to me and I want it removed from my credit report immediately before pursuing any further actions.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion automatically enrolled me in credit monitoring services when I requested a free credit report. Never was I asked if I wanted this and if I was I would have said no because it is offered through my employer for free. 

There were 4 charges made to me when I called to find out what these were and then asked for a refund they said no we can only refund the payment for XXXX. Receipts are below : Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Payment Method Amount Billed creditCard {$26.00} Order Receipt Order Number Product XXXX TransUnion Report, Score, and 3-Bureau Credit Monitoring Date Range XX/XX/2021 - XX/XX/2021 Price Sales Tax {$24.00} {$2.00} TOTAL {$26.00} Refund Method Amount Refunded {$0.00}
Consumer complaint received 2022-07-25
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. (NJ)

To Whom It May Concern, There are 2 addresses that are currently listed as mine on the 3-bureaus reports. They are : XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX XXXX XXXX 
XXXX, SC XXXX These addresses are NOT MINE, nor have they ever been. As a result, credit cards have been opened and those accounts have reported. Also, several inquiries have also been made and are listed as hard inquiries on my XXXX report. They are : XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XX/XX/22 XXXX  XX/XX/22 Because of this error I have had to put a freeze on my credit, which impacts my ability to secure new funding. I have contacted the bureaus and the erroneous accounts have been removed, but the addresses that appear to have caused the error in the first are still reporting, as are the hard inquiries.
Consumer complaint received 2022-07-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX  : Truist Bank delaying release of escrow funds as well as overpayment of final mortgage payment. Truist Bank customer service & Loan Processing full of promises, excuses, and non-responses. Almost two ( 2 ) months and refund check not received. Original refund check ( if mailed ) still not received after six+ weeks. See attachments.

Escrow refund check mailed to the address of the house which we sold which is obviously wrong. I verbally tried to change the address to where we live now because once a Truist loan is paid-off I could not change the address electronically. I talked to customer service XX/XX/XXXX following Truist 's webpage direction, but now am being told Truist did not update to the correct date until XX/XX/XXXX. Truist employees are not following up as promised when they said they would help me resolve this. I offered reasonable options before I filed this complaint. 
I made an overpayment to protect my credit report of one mortgage payment. That was included in my " escrow refund check ''. I don't believe a mortgage overpayment is not normally part of escrow.

I understand the time allowed for a bank to process an escrow refund check is 20 days- is putting the 'wrong address ' and means to slow the process down? From direct experience, banks earn interest on 'overnight funds'/loans to other banks.
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (AZ)

In the year XXXX, I went to XXXX XXXX to purchase a living room set for my father. After a month of not receiving my furniture, I canceled the order. They gave me a verbal confirmation that the order was voided. I received the Credit Card ( Synchrony ) in the mail - never activated it. One year goes by and I get a collection letter in the mail that I am in collections for this furniture. Long story short. The furniture store offered me a check to go pick up to pay off the collection debt. I choose to file a dispute instead with XXXX. XXXX  has now removed the inquiry off of my credit report but my credit is still low.

today, I was notified by a mortgage lending company that Synchrony is still hitting my credit. The last inquiry was XX/XX/XXXX.
Consumer complaint received 2024-10-10
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. (VA)

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am who I am ( the original creditor ) of all things on my consumer file, I am not a credit repair agent nor paid attorney, I am sending this as myself the original creditor of all " alleged '' debts on my consumer file due to this credit card. I tried multiple times closing this card and no action was taken by the company. I first closed the account in XXXX of 2021 which the company refused to process my request and continued to list late payments on my report.