davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (OH)

I requested my HSA funds from XXXX XXXX  be transferred by check to my new XXXX HSA account. However, XXXX sent the check to the wrong bank, BMO Harris. BMO Harris cashed a check that was not written to them as it was written to XXXX XXXX FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by BMO Harris. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and XXXX is refusing to do what the other two banks recommended ( fill out the fraud form ). Essentially, BMO Harris has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by XXXX. XXXX is refusing to file the fraud form. They are telling me I can't fill the forms out since the check was technically written to XXXX and not me directly even though my name is also on the check as the FBO. Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2018-07-25
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. (GA)

On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.
Consumer complaint received 2020-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Deposited check on XX/XX/2020 Was told funds would be available earlier than XX/XX/2020 due to my banking relationship with bank of america, as a preferred client funds would be available 3 business days earlier. Funds were not available as promised. Thus resulting in loss of investment gains as this income was going to be utilized.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2020-05-28
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: North State Acceptance, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX  Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, GA XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Factual Data : :XXXX XXXX  XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Virginia XXXX , VA XXXX ( XXXX ) XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX : :XXXX XXXX XXXX  Hide Details XX/XX/XXXX XXXX XXXX XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-04-09
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. (MO)

My loan origination date was in the fall of XXXX. This loan has been bought and sold to so many companies over the last 20 years I can't recall all of the information. Currently Navient is the loan provider. Navient and Sallie Mae have had the loan for certain since XXXX. In XXXX my wife and I filed a chapter XXXX bankruptcy, as part of our repayment terms our attorney tried to get the loan company to accept payments as part of our bankruptcy, we did not ask for a reduction in amount or ask for the debt to be discharged in any way. We simply wanted to re-pay via the court. The request was denied. We were able to re-pay our debt in 3 years and sometime in XXXX after the discharge the loan companies starting contacting me to begin repayment. Since the repayment process began again my family and I have been diligently trying to get rid of the debt. Navient 's records only date back to XXXX, however the original disbursement was {$9200.00}, I have been repaying an average of XXXX monthly since XXXX and my statements state that my balance owed is still {$8500.00}. The interest rate is 4.25 %, and the average interest yearly according to the statements they send amounts to around {$400.00}. Since XXXX I have paid over {$6300.00} to Navient even with interest over that time frame I should not still owe {$8500.00} the math just does not make sense. I have made multiple attempts to contact Navient and am unable to reach anything but a recording. I have " scheduled '' more than one Call, in which I schedule a time and they are supposed to call me, and they never call. I understand that we have made errors along this path but I feel that we are being taken advantage of and I would like credit for the money we have been paying. If this is how the companies take advantage of consumers its no wonder the entire country is engulfed in student loan debt.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account on my credit that is only reporting with TransUnion - XXXX XXXX # XXXX showing included in a bankruptcy. I have never filed bankruptcy. These bankruptcy comments are preventing me from closing on my home this month, XX/XX/XXXX. I have contacted Transunion but all they can do is place my account in dispute and I can not get an update from them. I have also asked in the past that this be resolved in XX/XX/XXXX but nothing was ever completed.
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (WA)

I applied for a home mortgage refinance on XX/XX/XXXX with Wells Fargo for the amount of XXXX XXXX cash out. My income is enough to support this loan but I was denied on base of their claim being my debt to income ratio is 66 %. I used their own online debt to income ratio calculator with the same numbers I provided to them and it says my ratio is only 35 % and in standard with their requirements. I then further escalated my case to be reviewed again by a team of under writers and again I was denied. They are incorrectly representing my debt to income ratio and I believe I am being discriminated against because of my age and because I am young but still make enough money to support this loan. They gave me a run around and no clear answers for 3 months. 

I work for a family owned hotel company which I also have ownership in. 

I am attaching my denial letter ( received XX/XX/XXXX ) which also states their reasons for denial, none of which could have any effect on me actually getting this loan.
Consumer complaint received 2018-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

Around XX/XX/XXXX of this year a collection company placed a collection on my credit reports from XXXX XXXX. I called the collection agency and I explained that I never had Services with XXXX. They sent me an affidavit to complete. I completed the affidavit and the collection was removed XX/XX/2018. 

Now I check my credit report and this company Diversified Consultants has placed this same collection back on my report. They are reporting the collection open date for XX/XX/2018. I have never had XXXX XXXX   services. I believe this company is placing debts on consumer files that they do not own nor can they verify. How can they have an open date of XX/XX/XXXX when XXXX XXXX didn't remove the accounts from my files until XX/XX/XXXX. This is illegal and unethical tactics are being used. I am fully aware of my rights and I am currently looking into suing this company for defamation and violation of the FDCRA.
Consumer complaint received 2019-04-06
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: SYNCHRONY FINANCIAL (TX)

XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX Syncb/Toys  Hard Inquiry XXXX XXXX Syncb/Sams Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX Syncb Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like this
Consumer complaint received 2018-07-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc. (CA)

1. MY COMPLAINT IS ABOUT " DESIGNED RECEIVABLE '' A COLLECTION ACCOUNT FROM THE XXXX XXXX XXXX XXXX, A SUBSIDARY OF XXXX XXXX XXXX. THEY ARE LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX, CA XXXX. 
2. THE TYPE OF PROBLEMS THAT I AM HAVING WITH DESIGNED RECEIVABLE IS THAT THEY WERE PAID MORE THAN ONCE. THE XXXX XXXX WAS PAID AND DESIGNED RECEIVABLE WAS ALSO PAID IN FULL. AFTER MY BANK CONFIRMED RECEIPT OS THEIR PAYMENT, DESIGNED RECEIVABLE REFUSED TO SEND A RECEIPT TO CONFIRMED THEIR PAYMENTS. INSTEAD THEY HAVE CHANGE THE AMOUNT SEVERAL TIMES AND HAS BEEN RECORDING ON ALL THREE CREDIT BUREAUS, XXXX, XXXX, XXXX, SEVERAL TIMES A WEEK AS A NEW COLLECTION, LOWERING MY CREDIT SCORES, YOU CAN TAKE A LOOK FOR THIS WEEK ALONE, THAT XXXX ENTRIES WERE REPORTED TO MY CREDIT REPORTS. NOT ONLY IS THE CREDIT REPORTER REPORTING THEIR INFORMATION, DESIGNED RECEIVABLE WAS DISPUTED AND PROOF OF PAYMENT WAS FURNISHED TO ALL CREDIT REPORTS AND WAS IT WAS DELETED AND CORRECTED BY ALL THREE CREDIT BUREAUS WHO HAD A LOCK, FREEZE AND FRAUD ALERT ADDED TO THEM. DESIGNED RECEIVABLE HAS BROKEN ALL THESE FIREWALLS/CYBERSECURITY AND IS REPORTING NEGATIVELY ON MY CREDIT REPORTS. I HAVE ATTACHED THE RECEIPTS FROM MY BANK AND A MORTGAGE COMPANY WHO WANTED A CONFIRMATION OF MY PAYMENTS. 
3. I DONT KNOW WHO THESE PEOPLE ARE, BUT I AM WRITING TO YOU TO INVESTIGATE AND INQUIRED ABOUT THESE ERRONEOUS REPORTING AND THAT YOU WOULD MAKE THEM GIVE ME A RECEIPTS OF THEIR PAYMENT AND PERMANENTLY DELETING ALL NEGATIVE INFORMATION ON MY CREDIT. ALSO WITH SO MUCH ALERT ON MY CREDIT REPORT, INQUIRE AS TO HOW THEY HAVE SUCH AUTHORITY TO OPEN MY FILE WHENEVER THEY WANT TO. 
4. I AM CURRENTLY SEEKING A PLACE TO LIVE, BUT MY CREDIT HAS BEEN UP AND DOWN WITH DESIGNED RECEIVABLE NEGATIVE RECORDING. PLEASE HELP ME AND REMOVE THIS FROM MY CREDIT REPORTS
Consumer complaint received 2017-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (LA)

I 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau  (  XXXX ,  XXXX ,  XXXX  ) are  neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores.
Consumer complaint received 2019-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2019, I received an email fromTransUnion regarding a dispute that I have on my credit report. 

The email stated that the results where ready for review and all I had to do was log in to their site to view the results. 

Prior to calling TransUnion, I attempted several time to login with the pass words that I created, also their web site would not allow me to up date my pass word. Please note that other than the web site in the email sent to me on XX/XX/XXXX, I tried other websites listed on the internet for TransUnion, with the same results. 

Today XX/XX/2019, I have spent over two hours attempting to log into my account and trying to speak to someone in their Tech. Support Dept. I was given several tel. number provided by TransUnion employees to call Tech. Support, each time, I received the run around. ( Telephone numbers I called : XXXX ; XXXX ; XXXX ; XXXX ). 

They said they checked my account against the personal information that I gave them and they could not understand why I could not sign in. 

This is not the first time I have encountered problems with TransUnion. All their agents have a foreign language making it difficult to understand them. 

TransUnion needs to education there on line employees much better than what they are doing now.
Consumer complaint received 2017-06-19
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. (GA)

I have many unauthorized inquiries on my equitably credit report which I submitted a dispute. Equifax did not investigate they only notified me about a week later that these items where authorize in which they were not.
Consumer complaint received 2019-04-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (KY)

I incurred over XXXX in FRAUD on my account which BB & T never once told me as it was happening. They tried repeatedly to tell me it was my fault that someone was buying XXXX cards and other fraudulent activities. Until I got the right person after months of phone calls to their XXXX #. They did not inform me as it happened daily and let the account go into a {$3000.00} overdraft and still did NOT inform me. I am a XXXX mom of XXXX teenage kids. I had to fight to prove it was fraud. After months of struggling financially due to their data breach and own negligence, they now tell me I'm responsible for the massive overdraft due to their mishandling of my account allowing over XXXX dollars to disappear out of my account over a period of 5 weeks. I am on medication and barely able to function with the stress they caused me
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one case # XXXX The amount {$10000.00} Someone that i know personally opened credit cards and use my identity and also got apartments and jobs and a i.d . in my name.And i got a letter stating that they are garnishing my hard earned money out my account and seizing all my wages ... for something i did not do ... or had no knowledge about.until after the fact the debt collector showed me transactions and the persons name on it ... .when i saw XXXX XXXX and XXXX XXXX ... under the transacations i then know what they did ... they open a business account in my name and made and put there names on it ... and had the cards sent to them ... .they made it look like i authorized it but i didint. so i filed a police report. because this is nonsense .... i shouldnt be having to through this. 

also XXXX XXXX the amount of {$2200.00}
Consumer complaint received 2019-04-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Collections West, Inc. (AZ)

Judgment for XXXX per court order was satisfied in XXXX of 2018. Ive been harassed ever since then by the collection company and the attorney. I have not received my satisfaction of judgment and this is still on my credit report preventing me from purchasing my new home. Ive had to block the collection agencys number from calling my cell. He was also calling my work phone harassing me.
Consumer complaint received 2019-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

XX/XX/XXXX, I sent a fax and Mailed copy, of a request for my credit. For some reason, my credit, and my husbands credit, via Equifax, has been frozen sometime between XX/XX/XXXX and XX/XX/XXXX, without a request to do so. I know it was in these dates because We moved from XXXX to XXXX  in XX/XX/XXXX, where our Credit had to be pulled for a new home rental. Then, we bought a car in XX/XX/XXXX. After that, we were locked, and ONLY on Equifax. 
So, in XXXX, I requested my report for XXXX XXXX, and came with no score. Not helpful. XX/XX/XXXX I learned my Credit was still frozen. Upon calling YET AGAIN, they told me I didnt know the answers to where I worked correctly. WOW.  So I had to fax my ID and Social AGAIN> It said 3-5 days to be fixed. It is XX/XX/XXXX and still not fixed, so yet another Fax has been sent. We are trying to buy a car and a home, and Equifax has us stuck! THIS IS VERY UNFAIR! THEY SHOULD NOT BE ALLOWED SUCH FREEDOM, AND THEY SHOULD HIRE AMERICANS TO HANDLE OUR PERSONAL INFORMATION!
Consumer complaint received 2019-04-09
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. (CT)

In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have XXXX hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan AXXXX XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT  XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.