davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX  is reporting inaccurate information to the credit reporting agencies. They are reporting inaccurate payment history and amounts. They are reporting that the account is closed and charged off at the same time. The account can be one or the other. If the account is closed/written off I never received the 1099C form from them this has to be reported on the company end as a loss of income and gain on mine. Also if the account was charged off I was never told what company the debt was sold to. If the account was written off this has to be reported to the irs. I do not believe you can write a debt off and still sell it and try to collect on it that seems to be fraud. I believe this is also numerous violation of the FCRA and an IRS code violation. They have also defamed my character and caused me harm.
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
Consumer complaint received 2018-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my report as inquiries as they are fraudulent
Consumer complaint received 2018-03-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

REF : ACCT # XXXX On XX/XX/2018 I processed my first Payment on a used truck in the amount of {$520.00} because the bill pay payment I had set up through my credit union did not process and I did not want a failed payment on my record. On XX/XX/2018 Bank of America processed an additional payment of {$520.00} causing an overdraft ti my account. I am a Single parent and a 100 % XXXX Veteran and unemployed. I do not have the means to make double payments and this additional payment placed my and my daughters existence in jeopardy. When I became aware of the double payment on XX/XX/2018 I notified the auto loan department and requested they reverse the unauthorized additional payment. I was told by the original person I talked to in that department that I needed the Payment reversed and returned to my credit union by ACH withdrawal as they had taken it as it had over drafted my account and left me with a ZERO balance and was told that a check would be mailed and he rudely hung up on me. I called back on XX/XX/2018 and spoke to a lady named XXXX of XXXX. she advised my credit union had to verify that the account was overdrawn and that they would not refund the money. I received the letter she requested from my credit union and  sent it immediately by email. She promised that she would expedite the payment upon receipt of the letter. My records indicate she received the letter by email within 30 minutes. After payment was not received I called Bank of America back on XXXX XXXX and was told the check was mailed from Delaware on was on its way. I was also told that they were waiting on verification from my credit union but the check had been mailed, I explained that I had sent it to XXXX by email and it was received. I called back on XX/XX/2018 and told my check would be mailed on Monday XX/XX/2018 from Florida. Florida is where our mail distribution center is located and usually mail received there is processed and delivered next day. XX/XX/2018 I again called Bank of America and was told my checked was mailed on XXXX XXXX from XXXX, Florida our mail distribution center. As of today XX/XX/2018 I have not received the payment mail is delivered next day after receipt at our distribution center in XXXX, Florida. Bank of America is not being truthful and has deliberately holding my much needed money.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

These Hard Inquiries dont belong to me, hasnt being authorized by me and has to be removed. Also this as well. Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid Bank of America {$34.00} in XX/XX/XXXX to put a permanent stop on a payday loan company, ( I made sure to clarify that there was NO WAY after I paid for a stop, that this company could take any funds from my account ), then in XX/XX/XXXX, ( 5 months later ) the bank allowed a charge for {$300.00} from the loan company to pass through my account, overdrawing my account. I called Bank of America immediately, ( while the charge was still processing ), their representative assured me that indeed the stop I had paid for was active AND COULD NOT BE REMOVED without my formal consent. She said the charge would NOT go through, and it would drop off, she made it very clear that Bank of America would not pay the charge that was processing, and that I need not worry. The next day the charge processed all the way through to PAID. I call back, Bank of America transferred me to their claims department where the representative informed me that an error had been made clear back in XXXX. She said the original representative who put the stop on the payday loan company had neglected to place the stop on both the debit card as well as the ACH. At that time I was again assured that I had paid for the stop to be put on the payday loan company, so I had nothing to worry about. She started a claim, and put a credit into my account to replace the money that was taken from me without my authorization. I thought this was a really bad experience, but people do make mistakes, so I was just glad it was resolved. Then in XX/XX/XXXX I received a letter in the mail stating that the credit they issued would be reversed and that I would have to pay {$300.00} that the bank mistakenly paid to the payday loan company. When I called claims back they ask me if I authorized the loan company to debit my account. I said no and I paid to put a stop 5months ago. And, then they wanted to know if I informed the payday loan company. I said yes, I had informed them. The representative said, o.k. I will tell the investigator assigned to the claim. Then a couple of days later the bank charged my account {$300.00}. I guess Bank of America does not take responsibility for its employees errors.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past XXXX months, I have consistently reached out to your company about this matter and I haven't gotten any response.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (PA)

I tried to pull my free credit report from XXXX XXXX XXXX for Experian and got the following error : A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.
Consumer complaint received 2018-03-21
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. (TX)

I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with Transunion, XXXX and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
Consumer complaint received 2017-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I have a XXXX XXXX Card with First National Bank of Omaha which is serviced through XXXX XXXX. The XXXX XXXX credit card has a travel benefit that reimburses {$100.00} for Global Entry ( a program that helps passengers get through airport immigration more quickly ) and {$100.00} for discretionary airline spending ( airline upgrades, food, airport lounges, itinerary changes ). On XX/XX/XXXX I paid {$100.00} for Global Entry and after MANY customer service calls to First National and XXXX XXXX I have yet to receive my {$100.00} credit. The last customer representative I spoke to was XXXX with XXXX XXXX and he informed me that I would get the credit " soon ''. This call was made XX/XX/XXXX. On XX/XX/XXXX I paid for an intinary change for {$410.00} and expected to be reimbursed {$100.00} for discretionary airline spending. The story is the same, after many calls to customer service on both ends I still have not received a dime. I hope I have provided enough information. Thank you very much for your help and your continued service. Please have a good day!
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (PA)

In XXXX of XXXX, due to not receiving mail yet due to moving, I did not know that my Sam 's Club account had been charged with the annual fee. I was notified via XXXX XXXX of the late payment and I immediately called and payed the payment. At this time they decreased my limit. Due to this when making purchases at Sam 's Club, we utilized my husband 's account. I was waiting for review to have a higher credit limit. The decrease credit limit was the first negative action towards my credit history. 

Today XX/XX/XXXX I received through XXXX XXXX, they closed my account with out warning, due to inactivity. The 2 nd negative action towards my credit history. I called this same date asking them to reactivate my account, that I did not have any notification that this would happen and If I would have known, I would have used it. They declined from doing this stating they can close the account at any time for any reason. They suggested I reapply, which would make a hard inquiry on my credit history and negatively affect again.
Consumer complaint received 2018-02-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX report to my credit report that I wast past due in the month of XX/XX/XXXX and XX/XX/XXXX and they don't want change that and this is not true
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I received on XX/XX/XXXX a notice that was included with my monthly statement. This statement notified me of changes to my account. The changes were to be in effect on XX/XX/XXXX. I  believe that any changes to my account should be sent to me, in writing, 30 days before the change takes place. Huntington Bank. XXXX XXXX, Ohio. I have talked to a bank rep on the phone today and she was to file a complaint and send me info on all of our accounts. ( My husbands ' and mine ) I am not sure that I can trust this bank to do the right thing, that is, make the changes 30 days from the date of notice. I can not find a date on the notice paper that was sent, but it was included with my monthly statement. I also wonder about how short the actual inactivity fee can go. They changed it from 2 years on a savings account to 12 months. These changes have not affected us at all but I think that down the road things will progress to the point that they will be benefiting from customers naivety. 
Thanks for your timely response, Huntington bank customer.
Consumer complaint received 2018-03-21
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. (TX)

I been reviewing my credit since transunion server error and i noticed alot of inquiries was placed back on my report in some cases 3 times more on my report i also had cases of the wrong address like i had California addresses on my report and i never been. I went online to resolve the matter with transunion i was able to correct the address issue but it doesn't give you the option to address the inquires. 1. XXXX XXXX   XXXX, 2. XXXXXXXX XXXX XX/XX/XXXX, 3. XXXX XXXX  XX/XX/XXXX, 4. XXXX XXXX XX/XX/XXXX, 5. XXXX XXXX XX/XX/XXXX, 6. XXXX XXXX XX/XX/XXXX, 7. XXXXXXXX XXXX   XX/XX/XXXX and XX/XX/XXXX XXXX, 8. XXXX XXXX XX/XX/XXXX, 9. XXXX XXXX, 10XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 11. XXXX XXXX XX/XX/XXXX, 12. XXXX XXXX XX/XX/XXXX, 13. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 14.XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, 15.  XXXX XX/XX/XXXX, 16. XXXX XXXX XX/XX/XXXX XXXX, XXXX, 17.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

IQ Data International, Inc deliberately added a collection account of {$5100.00} on XX/XX/2017. The company will not verify the debt nor any information about the debt. Rather it engages in phone harassment by using auto-dial robots that immediately hang up once the person answers the phone. IQ Data International deliberately uses auto dialing robots to skirt Fair Debt Collection Practice Laws so no one will track down its customer service representatives and hold the company liable. 

IQ Data International has a bad reputation within the business community and among consumers. According to the XXXX XXXX XXXX there are currently five complaints about the billing and debt collections practices of IQ Data International ( XXXX XXXX  XXXX ). Additional websites, including those from attorneys, address the problematic nature of IQ Data International. Therefore, I'm cautious about negotiating any consumer debt with a company with negative reputation of hostility towards consumers.
Consumer complaint received 2018-02-08
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: AMERICAN EXPRESS COMPANY (MI)

In XX/XX/XXXX I received an offer from American Express and Delta that if I obtained the gold delta skymiles credit card and use XXXX dollars in the first three months I would receive XXXX miles. I got the card on XX/XX/XXXX and started to use it. By XX/XX/XXXX I had completed the XXXX dollars. I called soon after as I had not gotten the miles and they explained that it would take 6-8 weeks. After 8 weeks I called and they said it was going to be 10 weeks ( the maximum in the contract I got with the credit card ). Last time I called was XXXX of XXXX ( 10 weeks after ) and they said the would open an investigation and to call delta. So I called delta and they said basically to talk to AMEX. It is now XXXX  XXXX and I have not yet been contacted or received the miles. I chatted with the people in AMEX and they said the investigation is open. 

I got this credit card because I'm traveling for my XXXX XXXX XXXX and needed the XXXX miles. My trip is in 3 week and now the tickets are extremely expensive and will leave me with little money. The company has breached contract and will offer no type of compensation.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX and I am very disappointed with my credit files, XXXX XXXX, XXXX XXXX and Experian XXXX. My credit score is creeping up XXXX point at a time. I am very discouraged with negative items that are still not verified by the credit bureaus, past seven years and then re entered into my credit file.
Consumer complaint received 2018-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I opened a brokerage account with XXXX and through the USAA process, transferred funds into that account. However, after USAA approved this ; they denied the transfer of funds. However, since then, USAA has questioned several deposits from my old XXXX account into the USAA checking account. These transfers were from my brokerage account. The rep called me today ( XX/XX/XXXX ) and suggested that I made criminal activity into the account from XXXX. This was an individual account that I had for 17 years, duly reported all income from that account to the IRS - yet USAA has for now, more than three weeks and with two employees and one manager implied directly that I was conducting criminal activity in the account by transferring to and from my brokerage account. This has to stop. It has become harassment. I am a retired XXXX XXXX XXXX veteran. I am not a criminal. Yet, after following all of USAA 's processes - they turn the tables and accuse me of being a criminal ... now, three times. I can prove the account with XXXX is legitimate ; provide all Schedule D 's to the IRS. How do we prevent financial institutions from accusing people that deposit small amounts of money ( realizing we are not all wealthy bankers ) into our checking accounts from brokerage accounts.