davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Dealership had towed the car back and working with XXXX  to paid off this car loan. I had not received any statement during the lawsuit. Please remove this late payment mark. The car will paid off right now, XXXX reported the Experian that the payment was late 30 days.
Consumer complaint received 2019-07-14
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: SYNCHRONY FINANCIAL (UT)

so I have been fighting this with pay pal credit for a year and half I have proof from XXXX there was tampering with this computer and my warranty was voided and I had to pay XXXX to get my computer fixed. I have the proof from XXXX and no one is listening or take s my complaint seriously Synchonary took over I sent arbatration papers on XX/XX/XXXX to pay pal credit certified mail its been over 30 days and they never repsonded to my legal papers then I get a letter from XXXX XXXX saying after careful consideration we are still denying your claim I have the proof from XXXX and they refuse to do anything I have called XXXX XXXX several times over the last month and left voice mails she refused to get back to me at all then she send me a letter on the XXXX of XXXX saying here is my number call if you have or questions or if you wan na send this to Arbatraiton I have left several messages with her that she never returns why does she say call her when she dosent return a message ever!!!!!!
Consumer complaint received 2019-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (AZ)

This is a complaint from XXXX XXXX against AFNI for AFNIs failure to provide requested information for the debt alleged. AFNI has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, AFNI responded to this request providing only statements for the original account, but no chain of title or documentation showing proof of ownership. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2019-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (CA)

I have XXXX XXXX, and when I checked my credit score,  i had realized that my score went down. Under collections, there was a amount of {$170.00} through a collection bureau called DCI. I researched the company, and found that it was linked to XXXX XXXX XXXX however, i was never notified of any debt so I contacted XXXX XXXX XXXX spending three hours speaking to XXXX, XXXX who hung up on me, and an XXXX who transferred me to XXXX in collections And directed me to XXXX in billing who claims that I do not owe any money. I was given a case number XXXX and by Account number XXXX. DCI notified me to file this report ( Diversified Consultants Inc ) XXXX, Florida reference number XXXX. I'm supposed to be notified by XX/XX/XXXX by XXXX XXXX XXXX of their decision, so I'm asking if this case can be filed through this organization for guidance. 
My contact information email : XXXX Phone number : ( XXXX ) XXXX Thank you, XXXX XXXX
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX  put 3 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # :XXXX with XXXX XXXX  Credit Report for XXXX XXXX XXXX  Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX XXXX Details XX/XX/XXXX XXXX : :XXXX XXXX   XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   : :XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.

AND THE SAME HERE WITH TransUnion  MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company TransUnion put 2 negative negative inquiry in my credit report like you see bellow i contacted TransUnion and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.
Consumer complaint received 2019-02-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZWICKER & ASSOCIATES (CA)

ZWICKER AND ASSOCIATES HAVE LIENED MY PROPERTY FOR {$50000.00} FOR THE DEBT THAT BELONGED TO MY EX-SPOUSE. I ATTEMPTED TO CONTACT THEM TO REQUEST A LIEN RELEASE BECAUSE THIS WAS NOT MY JUDGEMENT AND WAS NOT MY LIEN AND WAS NOT MY CREDIT CARD IN FIRST PLACE BUT ZWICKER AND ASSOCIATES ASKED FOR MY PERSONAL INFORMATION SAID THEY WOULD RELEASE THE LIEN INSTEAD THEY NOW CALLING ME THREATENING TO ARREST AND GARNISH WAGES IF I DON'T PAY THIS JUDGMENT FROM XX/XX/2011 THAT BELONGS TO MY EX- WHO IS NOT ON MY PRORTY. I SENT THEM SEVERAL LETTERS SINCE XX/XX/XXXX OF LAST YEAR WITH NO RESPONCE FROM THEM. NOW THEY ARE CALLING MY WORK IT IS EBARACING BUT THEY ARE LEAVING MESSAGES WITH RECEPTION SAING THAT I HAVE A WARRANT OR SOMEONE WILL ARREST ME IF THIS IS NOT PAID. HOW IS THIS OK .... THIS IS NOT A LEGAL LIEN AND SHOULD NOT HAVE BEEN ALLOWED TO BE LIEND ON MY HOME PLEASE HELP HELP HELP
Consumer complaint received 2019-02-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

We opened a free online checking account through Bank of America to manage home improvement expenses ( XXXX ). At an arbitrary time, BoA changed their policy on this account without our knowledge and suddenly started charging fees on the account when the balance went below {$1500.00} after some home improvements ( XX/XX/XXXX ). After some time, we noticed a reduced balance on this account and inquired as to why with BoA. We were told we had let the balance drop below the now arbitrarily low limit of {$1500.00} ( note : we have approx $ 20k in  balances with this bank in other accounts, would have been no issue to transfer money to meet this limit ). When the money was transferred to our other accounts in preparation of closing this account, we received a low balance warning via email immediately. 

Bank of America claims we were given sufficient notice by the fee line item appearing on the statement. While the fee line item may have appeared on our statement, there was neither explanation once it was assessed presented in the statement nor was it shown to be linked directly to this account. Since we have multiple accounts, there was no clear way to discern how or why this charge was assessed without immediately filing a complaint. 

Furthermore, they demonstrated the capability of notifying us of a low balance by way of a notification email we received upon closure of the account telling us our balance was below {$25.00}. Since it is convenient for them forego notifying us as there was sufficient funds to remove money at will without risking an overdraft, we believe their process is flawed and predatory to the customer to inappropriately charge fees. 

After multiple attempts to resolve the issue, Bank of America is refusing to refund fees totaling {$160.00}. Their phone agent admitted the notification structure is not as thorough as it should be, but that they are within legal compliance. When asked if they are willing to sacrifice a 20 year banking relationship over {$160.00} in fees, the response was that there was nothing they could do. Bank of America has demonstrated that they are abusive and unwilling to work with their customers in this instance.
Consumer complaint received 2024-10-25
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. (CA)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these INQUIRIES from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2023-07-03
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. (AZ)

I XXXX XXXX XXXX, am writing today to assert my federally protected consumer rights, and complain about the way the consumer reporting agencies have misused my Personal Private Information in accordance with the Gramm-Leach-Bliley Act. These three consumer reporting agencies have discriminated against me in pursuant to 15 U.S.C1691 ( a ) ( 3 ) and have broken MANY other laws including but not limited to : 15 U.S.C 1681 ( 2 ) ( b ) and 15 U.S.C. 1681 ( n ) ( a ). 
I have attempted to rectify this situation via an Affidavit ( Attached ) and received replies from the agencie 's that 'my " credit score is valid and accurate. 

On XX/XX/XXXX, I sent all three consumer reporting agencies an affidavit via Certified Mail - USPS, explaining that they have violated my rights and a way to remedy. 

The credit score these consumer reporting agencies have furnished for me has never been 'authorized ' by me at any time, and the contents of my score are also not valid or correct. 

In my affidavit, I annotated the incorrect items which were displayed on my user profile 's on their respective websites. 

Each of the agencies wrote back saying that the credit score was valid and accurate.

15 U.S.C. 1681b ( a ) ( 2 ), states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
There has never been any written consent from me as the natural person and consumer to allow any consumer reporting agency to furnish my consumer report. 

I demand that XXXX, Transunion and XXXX remove the items that I annotated in my affidavit ( under Exhibit A ). These items on the score have been illegally furnished on the credit report and should not be there as I do not consent to them. 

Furthermore, I also sent accompanying my affidavit, a Demand for Equitable Remedy. For breaking the law, and violating my rights as a federally protected consumer, I deman
d the remedy be paid. 
Totaling {$18000.00} for 18 separate violations. 
I am demanding that all three of the consumer reporting agencies ( XXXX, TransUnion XXXX XXXX ) that were illegally reporting on my consumer report, pay {$18000.00} for 18 seperate violations. 

To be clear, the Demand for Equitable Remedy is {$18000.00} from each one of the consumer reporting agencies, totaling {$56000.00}. That is 18 violations from each one of the consumer reporting agencies. A total of 56 violations.

I have been denied credit, job opportunities, and financial opportunities because of these inaccuracies. 

I have not and do not consent to these items on my report. I demand for them to be removed and I demand to be paid. 
I will also submit complaints to the XXXX XXXX XXXX and the Arizona State 's Attorney.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

I was most recently a full time XXXX student at the University XXXX XXXX at XXXX ( 12 credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in XXXX so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.
Consumer complaint received 2019-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (OH)

In an online credit application for XXXX XXXX XXXX   XXXX, which included SIGNED, XXXX XXXX XXXX, PRESIDENT, XXXX XXXX XXXX, US BANK AND XXXX XXXX, CEO, XXXX XXXX XXXX So in the ONLINE APPLICATION, it says ' {$100.00} CASH BACK if you spend {$200.00} in Net Purchases in first 40 days of account approved/opening ... it may take 6-8 weeks to receive {$100.00} Statement Credit '. 
THAT WAS XX/XX/2018 NOW XXXX both XXXX and Supervisor XXXX, 'NEVER HEARD OF IT ' Sorry, Lady, end of dicussion, just nothing, never heard of it. 
Also, the BRAND POINTS PROGRAM IS A LIE AND THE 25CENTS OFF PER GALLON OF GAS FOR A YEAR IS A LIE ... NO ONE IN THE XXXX STORE KNOWS ANYTHING ABOUT A N Y OF THIS ... THEY WON'T EVEN TAKE A PAYMENT ON THE CARD AND SAID TO ME NO ONE ELSE TAKES PAYMENTS EITHER WRONG .... 
XXXX XXXX XXXX I ACTUALLY DO NOT KNOW OF A STORE CARD THAT DOES NOT TAKE A PAYMENT Summarily, this ENTIRE 3 Enducement Offers ARE A LIE AND DO NOT WORK ... AND IGNORANCE OF ANY OF THEM IS AMAZINGLY A B U N D A N T.
Consumer complaint received 2019-02-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

Homeowner has been denied modifications and modification review has been delayed because M & T Bank continues to ask borrower for divorce paperwork ; however he was never married to the other owner. A quit claim deed was provided by homeowner multiple times and lender continues to ask for divorce paperwork that is not applicable or does not exist.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX an agreement was made between Kohl 's and myself to settle the account. While the agreement was made, on a recorded line, the associate inform that they would be reporting to the credit bureaus IMMEDIATELY. That was a lie. After about a week or so, I called to find out what was going on. The new story, also on a recorded line, was that they report at the end of the month. After being upset with associate, I was transfer to a supervisor, also on a recorded line, that it would be report on XX/XX/XXXX. That was a lie. After that conversation on the same day, I call XXXX and place a 3 way conversation with myself, Kohl 's and XXXX. Kohl 's wanted the credit report to say I still owed them {$280.00} even a settled amount was agreed to. XXXX immediately corrected the info to reflect a settled account {$0.00} owed. Unfortunately, XXXX and XXXX  would not call them to fix the issue. I filed a dispute with both to get this corrected on XX/XX/XXXX. Kohl 's eventually did report to both XXXX and XXXX stated closed/charge off account with an outstanding balance of {$280.00}. This took placeXX/XX/XXXX. I called Kohl 's back, again on a recorded conversation, only to be told a brand new story. I asked them what my balance is and how do I owe them. There response was that a settlement was accepted on XX/XX/XXXX and I owe them {$0.00}. My next question was, " Why did report to the credit bureau 's that this a charge off with an outstanding balance of {$280.00}? ". This when the new story came out. The first version was that there is an outstanding balance that is how it would report. Then the story changed to " that they report settlements at the end of the month. '' If that was true, they would of reported that at the end of XXXX. Again, every conversation was recorded by Kohl 's. To make it clear as possible, I am a XXXX Vet trying to purchase a home. I reached out to Kohl 's to settle this. Several years back when I had outstanding credit. I was forced out of my job and my credit went to the tank. I have fixed it all. Yet Kohl 's wants to play games with my lively hood and family. I am a XXXX Vet trying make things right and get a home for my family. They should be held accountable for there actions.
Consumer complaint received 2019-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

Please get rid of Experian. I put a temporary freeze on my credit almost 2 years ago. I have not been able to get it removed. I lost purchase of car last XXXX because no one- not me, not bank, not dealership could reach a live person to help. I have written to them several times asking the. To remove freeze. I finally received a written response from them saying they extended for another per my request. I am extremely frustrated with the lake if accuracy in credit report ; which I am also filing complaints, lack of ability to reach a living person, and inability to get this removed. The number I was given to call to remove it only offers to start an alert. I have complained through this site serveral times with no resolution
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I submit this complaint against Bank of America for the following reasons : 1. The Bank suspended my bank services and froze my account without justification and caused me harm ; 2. When I called the Bank to complain, Bank of Americas customer service representative failed to take my complaint and to transfer my call to a manager ; and 3. When I called the Bank to complain, the Bank of Americas customer service representative lied by stating that the bank services would be  restored and the account would be unlocked on Monday, XX/XX/2019. My bank account was not re-opened and the services were not restored on XX/XX/2019. 
4. I have already filed a compliant with CFPB # XXXX-XXXX, and the Bank rejected on the basis that I was not the holder of the account, which is false. Please see attached documents.
Consumer complaint received 2019-02-08
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I began acting unlike myself, and doing things unlike normal for me, from spring until late XXXX of 2017. I was taken to a hospital for treatment for several weeks, then sent a lock- down treatment center. I stayed there from XXXX till XXXX. 
My son came to Texas from Col. and had my mail forwarded to his address so he could pay my bills as my power of attorney.Most of my bills were late before he got them. 
I called all my credit card people to explain the problem after I returned home, and most of them did away with all the fees and fines except one bank, who I paid in full. 
I now have 2 late pay marks on my credit report from XX/XX/2017. None of my creditors lost any funds from my illness ( XXXX XXXX ).