davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (CO)

On or about XX/XX/year>, I applied for a HELOC loan through upstate mortgage because they were listed on my XXXX account. I thought I could trust this company. After about a month of going back and forth submitting documents many intrusive requests. The loan was closed on XX/XX/year>. I did not receive the funds until XX/XX/year>, in the amount of XXXX. I was informed by XXXX that my loan was being sold to specialized loan servicing. At the end of XX/XX/year>, I called SLS to find out how to pay my loan. They informed me that I didnt have a loan with them. I later received an email stating that my loan was now with Shellpoint mortgage. I contacted shellpoint mortgage on our about XX/XX/year>, I was informed that my payment was due in the amount of or around XXXX on XX/XX/year>. I started receiving documents saying NewRez is my loan service then Shellpoint is the loan service, back to XXXX. I made a payment over the phone. At the end of XX/XX/year>, I noticed that my payment made on XX/XX/year> was not showing as a payment. On or about XX/XX/year>, I made a principal only payment in the amount of XXXX. On or about XX/XX/year>, a regular payment was drafted from my account in the amount of XXXX or close to. I decided following the XXXX payments that I wanted to attempt to refinance with my bank to remove Shellpoint/NewRez as my loan provider. My bank approved my loan. Shellpoint was paid in full per the payoff letter on XX/XX/year>, I have a recordings of the conversations with them on XX/XX/year> confirming they received the payment, my husband was also on the line. I was not informed that I needed to take further action. On the payoff letter it noted that XXXX of my payments were not applied and were received an email following the what I thought was the closure of my account on or about XXXX XXXX I received an email stating that my bill was ready to be viewed. I called Shellpoint asking why my account was not closed, they informed me that I had a balance left on my account. Through looking at the online portal Shellpoint adjusted my balance to XXXX and had unpaid interest listed off XXXX and change. On our about XX/XX/year>, I paid the unpaid interest and again requested that the account be closed. Shellpoint then informed me that they needed a picture ID to close the account. I emailed a picture and uploaded it into their portal requesting that my account be closed. I spoke with a manager whom stated that I had a XXXX balance and should not have an open account. The manager closed my account on XX/XX/year>. Shellpoint sent a letter stating that my account was paid in full on XX/XX/year>. Shellpoint then posted on my credit report on XX/XX/year> SLS reported I have a loan open with them for XXXX. On or about XX/XX/year> Shellpoint reported that I have an open account with a balance of XXXX. Both stated open and active. Following XX/XX/year> my SSN was sold on the dark web per XXXX
Consumer complaint received 2024-09-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

As an 20 years experience private detective license under my company XXXX XXXX XXXX license no. XXXX that I strongly urge the CFPB that you must Fine Bank of America for this Multiple Criminal Frauds and is so bad with this bank that the fraud department investigators are involve with the Crimes and support it. They have stolen and support given illegal XXXX XXXX  XXXX XXXX fake SSN XXXX over XXXX of my money have been Stolen so bad until they scared to answer any complaints. They have my XXXX loan there. XXXX and all XXXX  will say is the loan is closed to cover up they no longer have my loan there at she. 

So now that this is in the open as XXXX - XXXX XXXX  Resolved XXXX Why would boa not answer? 

BANK OF AMERICA MUST PROVIDE AN ANSWER DO YOU HAVE MY LOAN? 


CFPB- MUST FINE BOA
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I Deposited a US Treasury Check on XX/XX/year> and was told that the check will be on hold for XXXX  days as it needed to clear the Federal Reserve account process. When i told them the check is already deposited, they said there was no way remove the hold. I looked at the Treasury Verification system and the check was stated as paid in status and so as I expected the company is leaning on extra time to profit from interest.
Consumer complaint received 2024-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

New letter dated XX/XX/year> new issue to XXXX  XXXX XXXX about XXXX. 

From XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Case XXXX Address to : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX Re XXXX XXXX XXXX XXXX XXXX  # XXXX Dated XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX this new issue also includes that fake loan XXXX for XXXX that your client XXXX XXXX XXXX XXXX fake SSN number XXXX and increased the mortgage value from his income by using XXXX fake titles XXXX. As XXXX XXXX at XXXX XXXX. XXXX. As a XXXX XXXX doctor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX both I reported the him as XXXX XXXX fake degrees and both he got XXXX  with license number XXXX and currently under investigation XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX complaint XXXX XXXX 

You answer these questions you are avoiding and should be fined.
Consumer complaint received 2024-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

All my student loans were to be forgiven, and Navient is refusing me the paperwork that I neednto have my private loan forgiven under the XXXXXXXX XXXX XXXXXXXX case. XXXX XXXX XXXX XXXX XXXX XXXX advised me to request the application and if denied to contact you guys for help.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

I have the Venmo Credit Card issued by Synchrony Bank. I always make my payment on-time and often before the due date. However, XXXX does not apply the payment for at least 7 business days and I've even experienced 13 business days. That is over half of the billing period! This is an issue for multiple reasons : 1. My available balance is not updated and thus my money and subsequent credit is frozen and unusable. 
2. They report to the credit bureaus the balance before the payment because they have not posted it yet, thus impacting my credit score.

3. No where in their terms of service does it state that it will take 2 weeks for payments to post. 

Support has no reply other than. " It takes time to post '' What are they doing with my money in the meantime? Investing it for their own gain because they aren't making money on me since I pay my bill on time?

This seems like unethical business practices.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (AK)

This company continues to harass me. They have called members of my family and me to harass us about a debt I do not owe. 

It started on XX/XX/year>, when IQ DATA INTERNATIONAL IN reported to my credit report that I owe {$2900.00}. They have called members of my family and me to harass us about this debt. They were told multiple times to never call or contact directly, everything must be done through my lawyers. They ignore this and continue to harass me. This month they send a letter directly to my house as a continued measure of harassment. Seriously, stop harassing me and contact my lawyers : XXXX XXXX and XXXX XXXX in XXXX, Ak. I have legal insurance and I will be happy to litigate against you in court at no cost to myself. You will never ever get money from me because this is fraudulent. Let 's see what a judge thinks about your harassment after being told to never contact me and to only contact my lawyers. You are violating my rights as a consumer and I will be happy to make you financially pay for your actions. REMOVE THIS FROM MY CREDIT REPORT, NOW.
Consumer complaint received 2024-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

Beginning in XXXX, my wife and I noticed multiple fraudulent charges on our checking account from multiple debit card transactions. We immediately reported them to our institution, USAA, and began the process of recovering the funds. Provisional credits were given to us, however all but one transaction was then taken back by USAA who claimed they were all legitimate transactions and offered no rationale for the findings. The sum total of this series of fraud was {$89.00}. Only XXXX transaction refund was maintained for {$2.00}. 

Later in XXXX we noted that there were XXXX fraudulent checks that cleared our account totaling {$370.00}. As soon as we saw them, we again contacted USAA to report the fraud. Also, seeing their fraud team 's inability to conduct a thorough investigation, we immediately uploaded on XXXX XX/XX/year> scanned copies of our signed passports as evidence showing that the signatures on the passports are markedly different than those signatures on the fraudulent checks. The bank then determined that XXXX of the checks for {$140.00} was legitimately fraud and then USAA sent us an affidavit for the second check to ensure that we in fact did not benefit from the {$230.00} check. This was signed, notarized and sent back to USAA who claims to have never received it despite me having proof of it being delivered by XXXX. Resultantly they have taken back the provisional refund of {$230.00} on XXXX XXXX without any communication to us. We found this out by examining our account history. This rescinding of the refund has cost us overdraft fees as a result.
Consumer complaint received 2024-09-16
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

The apartment was discovered to have mold in it after I had it tested by several mold lab testing companies. I informed the apartment complex about the mold but they refused to remedy the mold and denied the existence of any mold. Every surface in the apartment was repainted over ( including inside all the drawers in the bathroom and kitchen, even the pantry ). Therefore I have reason to believe the complex was aware of the existence of mold and was attempting to cover it up. Because the complex did not remedy the health hazard, my health deteriorated and resulted in a collapsed XXXX and breathing problems which caused me to miss several days of work and wage loss. I notified the complex of my intention to move out early because they refused to remedy the mold and the apartment has now become a hazard to my health and I was within my rights to do so according to the XXXX XXXX XXXX. I gave proper notice and was met with retaliation and threats to ruin my credit, deleting my maintenance requests and refusing to fix anything, etc. The complex also engaged in discrimination against me ( see evidence attached ). I have reason to believe the threat to ruin credit was done so in retaliation because I submitted a formal complaint to HUD over the discrimination.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to dispute the inaccurate accounts on my credit report listed below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year>, XX/XX/year> and XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-21
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I applied for the Bank of America business XXXX  XXXX credit card. The terms of the card gave me XXXX air miles and a {$200.00} statement credit upon spending {$2000.00} in 90 days. I met the spending requirement in early XXXX and promptly had the XXXX miles in my XXXX  XXXX account. The {$200.00} credit never arrived in my account. I have called 5-6 times since XXXX asking when I would get the credit. Each time I was told to wait a few weeks and received different answers. XX/XX/XXXX was 90 days after the {$2000.00} spending requirement purchase was met and the maximum allowed time for Bank of America to pay me this credit. They have not. I called them on XX/XX/XXXX and they said they would look into it ( weren't they already after 5 calls from me? ). I didn't hear back. I called them today, XX/XX/XXXX and after waiting on hold for an hour was told they had decided I wasn't eligible for the promotion of {$200.00}. Interesting as I was awarded the air miles and obviously successfully met the spending requirements. The same offer of 40,000 XXXX XXXX miles and {$200.00} credit is the current public offer posted on their website, so this was not some ephemeral happening. I have attached a screenshot of the offer page from when I applied.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (MD)

I received emails from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX stating that I have new hard inquires on my credit reports that I did not authorize. I have not applied for new loans or credit cards in almost two years now and did not authorize any of these credit reporting services to run my credit. The following are the companies that it says ran my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-02
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: EQUIFAX, INC. (SC)

" 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. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"