davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and this is not a third party filing this complaint. I have ask the credit reporting companies to provide me the Internal records of their reportings of these accounts thats being furnished on my credit report. These inaccurate accounts has caused me Great financial stress. I have been denied for loans, credit and refinancing of my home. I would great appreciate if someone can provide me the information thats needing to show that these accounts are accurate. 
Thank you.
Consumer complaint received 2019-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (MD)

I refinanced my student loan with Earnest on XX/XX/2019. The first issue I had was that they over paid my previous lender and immediately starting charging interest on that principal, even though it stated in the documents that I am to continue making payments with my original servicer ( obviously ) and that if my actual payoff balance was different than I originally claimed in the application, that it would be adjusted properly. Earnest did not adjust the loan origination amount. Secondly, I received my first statement on XX/XX/2019 and immediately arranged auto-pay through the Earnest website. I elected for bi-weekly payments, every other thursday, to start on XX/XX/2019. The first payment on XX/XX/XXXX came out promptly and without issue. However, the payment on XX/XX/XXXX did not process. I noticed over the weekend and called them on XX/XX/XXXX to find out why. They stated it was a newly realized problem that hadn't yet been solved. I asked them if they had any intention of notifying me that there was a problem and they said they were still trying to identify everyone who was being affected. The rep then told me it appeared to only be an issue with the second bi-weekly payment and that the first bi-weekly payment of the cycle was processing with no issue. They offered to process my payment same day and make it effective on XX/XX/XXXX and that the interest would be recalculated. Now, the XXXX   of XXXX  rolls around and my payment does not process for that date either. Their website  states that I am enrolled in bi-weekly auto-pay. My billing statement states on page 1 that I am enrolled in bi-weekly auto-pay. Additionally, I elected for the overpayment billing instruction to bill me for my full monthly payment regardless of how much I pay throughout the month. I have yet to receive any communication via email or snail-mail that there is an issue processing auto-payments and I am horrified to think about how many people they are charging interest to for unpaid principal when they have a payment agreement already in place. Please help!
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2019-05-25
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. (NY)

Seeking rentals and FHA first time homebuyers mortgages. Seeking these living residences will create hundreds of inquiries. Every apartment application requests to pull credit credit numerous credit inquiries. Each inquiry drops the credit score by five to seven points. Seeking a living residence and apartment rentals can completely eliminate a consumers credit scores. I am complaining about this abusive use of credit score declination. This credit score killing stays on the credit report for twenty four months and remains on the credit report for two years. The inquiries drop the score for twenty four months.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I deposited XXXX checks on XX/XX/year>, from XXXX XXXX XXXX for {$24000.00}. XXXX of the checks was a duplicate so it was voided. The other check was on hold with Bank of America and was cleared by them before XX/XX/year>. I saw the money was in my account, so I made a wire transfer for {$11000.00} and again on XX/XX/year>, for {$12000.00} to buy bitcoin to pay a commission fee to XXXX. On XX/XX/year>, Bank of America reversed the check and returned it as a chargeback. I called the bank on XX/XX/year>, to inquire as to why they reversed the check, and they informed me the check came back from a non-existent account and to just have XXXX write me another check from a different account. I was unable to contact XXXX to obtain a new check and in the meantime, my XXXX went to our local bank branch to file a complaint. They said they will start an investigation into who wrote the bad check. After several phone calls trying to get an update on the investigation, I was told they did me a favor by depositing the money into my account since we were such long-time customers. I was informed they could not find anything on XXXX XXXX, XXXX. They then told me they could try to see if they could investigate the wire transfer to try to get the money back. I received a letter dated XX/XX/year>, that they were unable to find anything during their investigation. Due to my paychecks being directly deposited into this checking account, I did not have access to XXXX paychecks due to the {$24000.00} negative balance in my account causing a financial burden for me. Today my account still sits in the negative. If Bank of America would have not cleared this bad check, I would not have done the wire transfers. I trusted that they had done their due diligence and cleared the check in good faith.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

Basically I am complaining that two different mortgage companies 1 ) XXXX  2 ) Lakeview/XXXX XXXX   mismanaged my money by deciding unilaterally and without my approval to ( 1 ) endorse the check and submitting it to a different mortgage company without first calling me and asking me what to do with that check since this mortgage company had already been paid during closing. The right thing to do should have been to return the check to me. But they decided instead in endorsing the check to ( Lakeview Loan Servicing/ XXXX XXXX ). 
Lakeview Loan Servicing/XXXX XXXX had already received a check so they should have called me as well to ask me what to do with this extra money. They decided unilaterally without my consent to apply that payment towards principal. 
By doing this, these two mortgage companies acted as bullies in a school playground and took posession of my check and use it to their interests disregarding mine and causing me to have problems with cash flow to pay other debts. I am a senior citizien in a fixed income and this kind of thing is causing me a lot of aggravation and stress.
Consumer complaint received 2018-10-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

HSBC and another party involved has called me, threatening to sue me, seize my property, contact my employer, garnish my wages, and put me in jail for a credit card that I had supposedly opened in XX/XX/XXXX and made a last payment inXX/XX/XXXX. I do not recall ever having this credit card, nor did I have any unpaid credit when my credit reports were ran when I recently bought a house. They said that in XX/XX/XXXX my balance was a little over {$700.00}. But now with interest my balance is now well over {$1000.00}. But if I pay them {$800.00} now, like right now, they will not proceed with legal action. They can not give me any or much information, and just kept asking me weird personal questions about my family.
Consumer complaint received 2018-12-29
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: FC HoldCo LLC (VA)

In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (MS)

i sent a complaint to XXXX XXXX on XX/XX/18 about an account open on XX/XX/2018 which showing my loan balance in incorrect should be XXXX and i would like for it to be corrected or deleted from my report.i understand that they have 30 days to response to my letter before its a violation of the law.
Consumer complaint received 2018-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX bank ) and they continue to call my phone daily XXXX among other numbers they use.
Consumer complaint received 2018-12-29
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. (AZ)

I had a hard inquiry on my Transunion report from XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Transunion said I should contact XXXX I wrote XXXX a letter to please respond when I did this..I did not apply with them. 
As of XX/XX/18 I have not heard back from them.
Consumer complaint received 2018-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GreenSky, LLC (OK)

On or about XX/XX/2018, I contact XXXX XXXX  in order to pay off an outstanding debt. When I spoke with the collections agent, I requested a pay off of 80 % for a free and clear. The rep stated they could not do this, but placed me on hold. The rep then came back and offered a pay off amount that removed the interest and fees owed. I accepted, and paid my debt in full. 

On or about XX/XX/2018, I attempted to purchase a new vehicle. This deal was held up due to Greensky still reporting a debt unpaid of almost XXXX, even though 45 days previous, I paid off this debt with an amount of approximately XXXX. When I called to ask why this was being reported, I was told by the collections person that there was an additional amount due of XXXX. I explained this was incorrect. They pulled the call, transferred me to another department, who also listened to the call, and told me that what I stated was correct, however, the collection Manager was not going to honor the agreement.
Consumer complaint received 2018-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

Sent in via Overnight mail on XX/XX/2018 a Guaranteed Cashier Check in the amount {$2300.00} that exactly covers the Principal and Interest of my monthly mortgage payment. Seterus did not credit my account for the principal and interest which would have satisfied my XX/XX/XXXX Due  Date. Seterus has no reason to put funds into suspense account as the {$2300.00} is the exact payment necessary to satisfy my monthly mortgage payment. Seterus is willfully trying to cause my payments to be late by not applying funds and in addition not accepting two previous payments that had been made on XX/XX/XXXX and XX/XX/XXXX. This prompted me to make this payment via cashier check which should have guaranteed my monthly Principal and Interest to be credited toward my mortgage.
Consumer complaint received 2018-12-29
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. (DE)

I'm filing this complaint because XXXX, Equifax and XXXX  refuse to delete unverified bankruptcies from my credit report, after several disputes. As of now there is 1 bankruptcy reporting on my XXXX  report and there are 4 on XXXX  and 4 on Equifax. Under the FCRA, I have the right to : - Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. I sent several letters to all 3 companies asking them to verify the bankruptcies along with requesting the procedure on how it was done, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. This is one of the laws under the FCRA. XXXX, Equifax and XXXX refuse to give me this information along with deleting the bankruptcies. The FCRA requires that XXXX, Equifax and XXXX  verify all information from the original data furisher and they have not done so. In addition I soke to a representative from XXXX named XXXX and she said they would not release what company they use to verify public record information. I have a letter directly from the US District Bankruptcy Court that stats they do ( NOT ) report information to the credit bureaus. This is the original data furnisher stating this. So All bankruptcies need to be deleted immediately per the rules and laws mandated by the FCRA PERIOD.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I made a purchase via XXXX from seller XXXX XXXX, and the seller contacted me and told me the package was removed from the locker and told me they would issue a refund. That refund appeared on my account after I filed a fraud dispute for never receiving the package. Last week USAA, the bank knowing this, still went to XXXX and forced a payment from them, stole the payment, then told me they will reverse the credit because they determined it was an authorized charge. So why did they go back to XXXX and steal the money like it was not authorized and ignore the refund from the seller? They stole money and reversed my credit and told me that I have to pay it back on XX/XX/XXXX. Please make the bank give the money back to XXXX because that was fraudulent if they decided it was not fraud.
Consumer complaint received 2018-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (NC)

A debt was added to my credit report, that I was unaware of in the amount of {$620.00} acct # XXXX ( Client account # XXXX ) This is hurting my credit negatively and I need this removed as soon as possible and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 



Sincerely, XXXX XXXX
Consumer complaint received 2018-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018, I made a purchase from a company on XXXX by the name @ XXXX. I only get comfortable purchasing from this business because it was promoted by a very famous person on XXXX named @ XXXX. Under the impression that I would be protected from any scam by using XXXX through my Chase app, I went ahead and made the payment. Afterward, the business confirmed receipt of the payment and asked for my address to ship the item. Since then, the business has blocked me on XXXX. Ive checked through other accounts and saw that this business is still on XXXX and is still out there scamming people for their hard earned money. I sent them {$250.00}, which is the amount I requested back from Chase. I asked them about buyer protection. They refused to refund the money. Chase advised to make a police report and thats it. This is very unfair as the seller is also using XXXX which is Im assuming is linked to a bank account. I need help getting my money back and stopping this @ XXXX  from ever taking anyone elses money.
Consumer complaint received 2018-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

XXXX XXXX XXXX, balance of {$170.00}. 

Rented XXXX XXXX XXXX. Paid a {$200.00} down payment, then my health insurance ( XXXX ) covered the monthly payments of {$50.00}. The machine was paid off by XXXX. Company is trying to double dip for payment. I owe nothing.
Consumer complaint received 2018-10-08
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. (NC)

I have disputed the late payments on account XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They failed to give me verification as to why they will not remove the account..The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I was most likely sent to a 3rd party website that made me agree to something that I did not Agree to.

I did not give you consent to take money out of my accountTrans Union has taken a dollar and then {$20.00} out of my account and nowSince they did that they have overdrawn my account and charge them for {$40.00} I demand a refund and a refund of {$40.00} that is a total of {$71.00} that you owe me. You have done nothing to help All you have done this is cost me money than I don't even have.

I demand a refund immediately And and subscribed meDelete my information or I will go to my lawyer.
Consumer complaint received 2018-12-31
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: Experian Information Solutions Inc. (FL)

My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.
Consumer complaint received 2018-12-31
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. (FL)

My current fico score is NOT accurate. I have paid all my credit cards to below 70 % of balances and these balances have not changed on the credit report nor has my credit score. Historically, I should be in high 600s. This past summer I was at XXXX. I have no late payments.