davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-12-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Frontline Asset Strategies, LLC (OK)

Actions of these dates started XXXX XXXX  and was notified of this matter XX/XX/23. Companies involved and failed to notify me of this debt are FRONTLINE ASSET STRATEGIES and XXXX XXXX XXXX XXXX. I want this to be resolved and corrections on my credit report for which I want the Derogatory Remark off my credit. I was never notified of this debt by either Email, Phone call, or Mail correspondence. This is clearly a violation Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts, and Servicemembers Civil Relief Act ( SCRA ) : for XXXX XXXX, the SCRA provides certain protections for service members in regards to financial obligations and contracts. I am a member of XXXX XXXX and was XXXX to XXXX and XXXX from XXXX. This interrupted my benefits guarantee from the Department of Veterans Affairs and XXXX XXXX which was VA home mortgage loan with the extra benefit that was supposed to be given to me being a XXXX XXXX  Veteran with an lower APR interest than Regular VA Home mortgage loan. FRONTLINE ASSET STRATEGIES has refused to solve this matter even after I settled this amount and paid in full and XXXX XXXX XXXX XXXXXXXX refused to assist to accessing my account due to being closed, However, I did switched to another company and couldnt remember my access code to XXXX XXXX. I hope this message finds you well and I hope there is a resolution for which I was never notified of this debt for the whole 2 years from either FRONTLINE ASSET STRATEGIES or XXXX XXXX XXXX XXXX This has caused a crisis on my credit report and was handled so poorly and neither party was able to accept accountability for not informing me. For a veteran that has served honorably I dont think I deserved this and would like this matter to be solved as quickly as possible, so I can proceed with the transition of purchasing a home. Thank you so much and thank you for your time.
Consumer complaint received 2023-12-16
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. (DE)

As of XX/XX/2023 there are late payment reports and utilization being reported after I opted out per 15 USC 6802 ( b ) XXXX has failed to acknowledge my requests and continues to violate my rights to privacy and furnish information to their third party affiliates.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am writing this letter to request the following information on my file be deleted. I sent a letter to XXXX on XX/XX/2023, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing this letter to request the following information on my file be deleted. I sent a letter to XXXX on XX/XX/2023, asking them to reinvestigate my accounts and ensure everything was complete and accurate. I received my updated credit report and noticed they didn't modify or update anything according to 15 USC 1681i ( 5 ). This doesn't make sense because I know the information is incorrect. I'm trying to purchase a home for my family, and the credit bureaus are hindering me. Can you please look into this?
Consumer complaint received 2023-12-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (IL)

I had set up a payment plan for about XXXX with Harris and Harris online in XX/XX/XXXX as per their statement/letter dated XX/XX/XXXXXXXX  and on XX/XX/XXXXXXXX  they withdrew the entire amount from my checking account in the amount of {$580.00} causing my account to go negative. When I called on XX/XX/XXXX, they said a manager would call me back and today is the XXXX and I have heard nothing. I advised them that I want a confirmation of the payment plan online and they said they did not have that and they could not refund it. This is completely unacceptable that when I set up a payment plan and also called on that day to confirm it was set up and they withdraw the entire amount. I want them to refund this immediately and adhere to the original payment plan.
Consumer complaint received 2024-01-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL (CA)

I've been unable to login to my PayPal account for about a month. I even tried different browsers. It always gives me the message " we are having an error on our part ''. My password is saved by XXXX, I know it's correct. I called customer service. An automated robotic voice message replied saying " they'll send me a text with a link ''. The chat their chat never replied to the issue I texted them about. It was a simple request for help to be able to access my account. I've taken screen shots of the whole process. I don't understand why this is happening since I pay my account on time every month. Could your Beauro please assist me with this stressful matter? I would greatly and sincerely appreciate any assistance you can provide. Thank you so much for the excellent work you all do.
Consumer complaint received 2024-03-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (PA)

I called on main financial to let them know I didnt want the additional package they were trying to add to my loan so after said and done, I was told if I dont take the additional package, Im not able to receive the loan I was forced into getting this package I complaint about it and the outcome was its too late. You cant cancel.
Consumer complaint received 2023-12-16
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. (NY)

Tried several times to get the following items removed from my report : The inquires and and accounts XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX was opened without my consent and fraudulent. These accounts are holding me back from establishing good credit and ultimately buying a home for my family. I need these accounts looked into and investigated because I did not open those accounts.
Consumer complaint received 2023-12-17
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MT)

I received written notice in the mail on XX/XX/2023 that my XXXX 's store charge card would be making several changes : 1, Introduction of a {$1.00} paper statement fee 2. Increase in interest rate to 31.99 % XXXX charge card is owned by Synchrony Bank. I perceive the {$1.00} statement fee as a junk fee. I also consider interest rates over 31 % to be usury rates. This is absolutely ridiculous. I will be paying off my card and cancelling my account but this seems borderline illegal, especially given recent CFPB guidance to banks on Junk Fees, including paper statement fees. 

Thank you.
Consumer complaint received 2023-12-17
Product: Credit reporting 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)

I paid 3 time 's for Equifax subscription 's and can't get access to my account Case # XXXX although I was verified with by there agents with a Painful authentication machine/system ( requiring consumers to revel their identity by takeing several pictures of their ID and Selfies ) that XXXX and XXXX don't do.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/2023 and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2022-12-06
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I have a bankruptcy reporting on my credit report that shouldn't be there, I have reached out to XXXX and Equifax. and asked that they remove this off my credit report and provided them with all the documents confirming my claim. they have consistently said the information came back verified through XXXX XXXX which is inaccurate because i have the documents from XXXX XXXX stating that this information isn't accurate.
Consumer complaint received 2023-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/XXXX, I applied online for a Bank of America Checking Account to avail a {$200.00} bonus promotion. I deposited {$100.00} during the application. Despite receiving an approval email, I couldn't access online banking. Efforts to reset my password failed, and attempting to create a new login led to conflicting messages about the account 's status. 

Unable to reach the helpline promptly, I visited the Bank of America XXXX XXXX in XXXX, XXXX, on XX/XX/XXXX. At the teller counter, I explained the situation, expressing my desire to close the account due to the inconvenience. However, I was informed that my account had already been closed without my knowledge or consent. After working with a banker for over an hour, I was provided with various explanations for the closure, including identity verification issues, security concerns, or unspecified profile-related reasons. 

Despite the confusion, I repeatedly requested the return of my {$100.00} deposit. Following the lengthy branch visit, I was informed that I couldn't withdraw the deposit immediately, and a cashiers check would be mailed to me.
Consumer complaint received 2024-03-13
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. (NY)

As a vigilant guardian of my own privacy, I invoke the power vested in me by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to address the violations concerning my personal information. The FCRA, under 15 U.S.C. 1681 section 602 ( a ), mandates consumer reporting agencies to handle their significant responsibilities with fairness, impartiality, and respect for my right to privacy. XXXX and Experian, as consumer reporting agencies, must heed this directive. I assert my right to ensure that my private information remains confidential, a right that is fortified by 15 U.S.C. 6801, which clearly states that financial institutions have an ongoing obligation to honor the privacy of their customers. The entity that furnishes information to credit agencies falls under this definition and thus, is bound by these laws. Furthermore, 15 U.S.C. 1681 section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a report only with my written consent, which neither XXXX, Experian, XXXX nor the furnisher of information has obtained from me. I hereby revoke any form of consent previously granted, whether verbal, non-verbal, written, implied, or otherwise. The law is clear in 15 U.S.C. 6802 ( b ) that a financial institution can not disclose my nonpublic personal information to a nonaffiliated third party without informing me of my right to nondisclosure, a right that was never presented to me. Moreover, 15 U.S.C. 1681C ( a ) ( 5 ) prohibits the reporting of any adverse information older than seven years, which includes the account in question. This is a violation of my legal rights, as there is no permission granted on my part for such reporting. The accuracy of information is paramount, as stated in 15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ), which forbids the furnishing of information to consumer reporting agencies if it is known or suspected to be inaccurate. XXXX and Experians failure to maintain reasonable procedures, as required by 15 U.S.C. 1681e, to prevent such violations further compounds the issue. Lastly, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at this time. My privacy is not a commodity for trade, and I demand the respect and confidentiality that is rightfully mine. Please be advised that this notice of my rights has been issued to you multiple times and has been met with disregard. This persistent neglect is not only disrespectful but also a clear breach of the legal obligations outlined above. I insist on immediate compliance with these regulations, and any further inaction will be met with the necessary legal recourse to protect my rights.
Consumer complaint received 2022-10-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (PA)

I was recently received in the mail a notice of oral deposition in aid of execution filed by Midland Funding LLC. I do not owe this company anything. I never received any communication from them until this notice. I filed an identity theft report and mailed them a letter. I will also file a motion to vacate the judgement. This company is attempting to collect this debt that does not belong to me.
Consumer complaint received 2017-03-01
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BROKER SOLUTIONS, INC. (IL)

I applied for a pre-approval with XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding Mortgage Company. I explained to him up front XXXX ( my father ) and XXXX ( my boyfriend ) would be applying for the mortgage. I XXXX and XXXX ( my boyfriend ) would be living in the property my father would not. My father was willing to help us out in getting the loan. We provided XXXX with all the items he requested to get us pre-approved. 
On XX/XX/2017, he provided us with a pre-approval letter for {$140000.00} with 3.5 % down going FHA. We presented the pre-approval letter to our realtor and we went out to find a property. We liked XXXX in XXXX as we felt it was suited for us. We wrote a contract, ran the numbers over the phone with the lender, before we presented the contract to the seller. Seller reviewed and accepted the contract so we proceeded in retaining an Attorney, hired a home inspector and radon inspector. To date we have spent {$500.00} out of pocket for the inspections, provided {$1500.00} in earnest money, and not sure how much out of pocket we 'll be with the Attorney. 
After the inspection, we find out from XXXX the company he works for ca n't move forward with the loan. None of this make sense to us as he knew upfront what we were doing as we were upfront and honest. He came back and told us we could not purchase with 3.5 % down as my father and my boyfriend are not blood related and underwriting would not allow him. If we did want to purchase he said we 'd have to put down a hefty down payment. One which we do not have. If we would have known this upfront we would n't have spent the money to go hire a home inspector and release earnest money. We feel we were misled by XXXX, Branch Manager ( NMLS # XXXX ) with New American Funding. 
I would like for New American Funding to return the costs associated with the home and radon inspection of {$500.00}. I am currently working with my Attorney to get my earnest money returned. I called the corporate offices of New American to file a complaint and requested to speak with XXXX Manager but never received a phone call from him. After waiting for several days, I called the corporate offices again and am disappointed on how this is being handled as if it 's like no one cares. I 'm still waiting for a call.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent a let out on XX/XX/XXXX to XXXX, and XXXX. .Here are my tracking numbers : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I have also previously submitted a complaint for the account via CFPB to Experian However, the credit bureaus said the completed investigation, and everything was accurate. 

The account in question is : XXXX XXXX XXXX  : XXXX XXXXm According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a credit of the consumer or from the consumer. 

I would like to know who they talked to? How did they complete this investigation? 

Also, I have attached a copy of the last reported bill from the original creditor which does not have the same information as what is reported on my credit reports.
Consumer complaint received 2023-12-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I have been with Bank of America for XXXX years and all of a sudden they transfer my mortgage loan to XXXX XXXX company which is fraudulent activity because I was making the payments and for the year of XXXX they say that they never received any payments BofA and XXXX XXXX company is trying to foreclosure on the house somehow they neighbors no exactly what is going on at the address in XXXX XXXX Nevada some how it is people that are in my family and friends like XXXX XXXX, XXXX XXXX, they have been paid to lie about me also they have been going into my house without my permission, putting toxic stuff inside the pipes going in my address getting statements there is illegal cameras inside, listening devices, etc. my son XXXX XXXX could be XXXX XXXX. His father is XXXX XXXX my son XXXX only XXXX years of age I dont understand how my family participated with this nonsense but I guess for bribery somehow, and then bribed other family members and friends as well, its very disturbing all this to take my home. I guess Ill make sure that I go in for closure. I dont know. Ive been trying to do a mediation with the company and I havent been successful yet. Its so much stuff going on. Its very sad. XXXX XXXX is XXXX XXXX father. Its so much I just dont understand how this is legal to continuously tow target harass manipulate lie very evil, but with the help of family members and friends, or listening on the phone calls whatever people do would be the only way that you would fraudulently be able to do what youre doing and consistency. I feel like the friends that I thought I had known a whole lot plus family members like my uncle XXXX XXXX my dads brother this is very disturbing and I need help my XXXX older kids XXXX passed away XXXX year ago Im worried about the safety and welfare of my family at the above address pls help us
Consumer complaint received 2023-12-17
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (CA)

Called constantly at work multiple times per day. I have gotten phone calls over the weekend. Ive gotten phone calls before XXXX XXXX  after XXXX XXXX. 

Then, when I block the numbers so that Im not distracted at work, they call from various other numbers. 

Cycle repeats