davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-10
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. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Upon waking today XX/XX/XXXX I saw an alert from XXXX XXXX that one of my accounts was closed. I then called Bank of America, who the card was issued from, and was told it was closed and XX/XX/XXXX and that on XX/XX/XXXX a letter was mailed to me which would explain the reason for the closure ( which I have still not received ). Unsure as to why they would send a paper letter being that I am fully signed up with all electronic statements and notifications. When I called, they offered up no options, solutions or further information. I opened the card in XXXX of XXXX and had a plan to use it for several large purchases within the next couple of months if not sooner. There was no balance on the card as I hadn't used it yet and an open available credit of {$6000.00}. My credit score has now taken a large hit as well, so I am unable to apply for a new card and get that same credit limit. This account was not even a year old and then closed without notice of any kind. It is unacceptable to punish consumers by closing their credit card only because we didn't use it fast enough. We planned what we were going to purchase on this card in advance and now we have nothing. Most promotional periods even last a year, and we got not opportunity to take advantage of that like we planned because they closed the account before the one-year mark. This is very frustrating especially since we have another card with BOA that we have been using. So obviously we make purchases on our cards we just hadn't used the one they closed yet. This is very shady and, in my opinion, illegal behavior.
Consumer complaint received 2023-10-10
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: Bread Financial Holdings, Inc. (CA)

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two Victoria 's Secret credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
Consumer complaint received 2023-10-10
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: Experian Information Solutions Inc. (CA)

I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, two XXXX XXXX XXXX credit card accounts were opened, but I only authorized one. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. 
I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
Consumer complaint received 2023-08-11
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. (NJ)

I noticed I have unauthorized inquiries on my credit reports Experian 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
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXXXXXX is reporting a debt on my account for a collection that is inaccurate. 
It also has incorrect information reporting. 
The amount is XXXX $ and XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account XXXX
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Bank has caused me to lose a closing date on selling my home because of their gross negligence. I had a mortgage loan that was opened with Wachovia, transferred to Wells Fargo, and paid off with a Wells Fargo home equity line of credit. The lien from the 1st mortgage should have been released when it was paid off. 

When my closing attorney did the search twice the lien did not show up. However, during the prep for the closing the title company did a search and the Wachovia lien came up. 

Initially I contacted Wells Fargo in XXXX for the Wells Fargo home equity line of credit payoff and I received it XX/XX/XXXX for the 1st closing date on XX/XX/XXXX with no mention of the 1st mortgage being outstanding. I contacted XXXX XXXX of Wells Fargo mortgage dept to clear off the 1st mortgage lien since it was paid off years ago, and he said it will be taken care of for my XX/XX/XXXX closing, however to date, XX/XX/2023, after 5 calls it is still not done and the closing was not able to take place yesterday! I'm heartbroken! 

I am an XXXX XXXX XXXX woman who is widowed and XXXX. I have been struggling since last year to sell my house and now this. I have already moved to an apartment and really need this sale to pay off my obligations and to live. Please Please help me! 
Wells Fargo is holding me hostage and I dont know what to do. I need this right away ... the buyer is waiting and I CAN NOT lose this deal. 

Help me, please. I will be forever grateful for your assistance. Thank you kind person.
Consumer complaint received 2024-04-27
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. (DE)

To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, Transunion and XXXX and noticed the following information are in error : Names And Addresses and phone numbers Since noticing this i have made A FTC report that i have attached to this document here today. 

Addresses : XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (GA)

XXXX XXXXXXXX XXXX attempted to collect a debt for rent on behalf of XXXX XXXX XXXX beginning in XXXX XXXX. My auntie, who is now deceased, was a resident until the day she passed but I wasnt on the lease nor did I reside in the unit. After I noticed this I did a dispute on XXXX XXXX but was unsuccessful after XXXX investigated so I decided to reach out to Rent Recovery to see what documentation they had. My client representative ( XXXX ) explained all they had was a move out request and she was sending it to the investigation department. I asked to see the documentation but she told me she had to put in a request to email me. I called back to check the status of my request and she told me she couldnt send me anything. I hung up and called back and spoke with a different representative that hung up in my face after I gave her my last four of my social. I also requested to speak with a supervisor. I called back and asked another representative and she sent me to a managers voicemail. I then decided to email both rent recovery and XXXX XXXX  requesting to see the documents. I was never sent any letters about this collection nor did I receive calls prior to me calling. They closed the case yesterday however the negligence has caused me to miss out on a home I really needed for my XXXX XXXX daughter. I have to be out of my place by the XXXX XXXX XXXX but rent recovery says it can take XXXX days for something to be removed. I will be homeless if I cant apply for a place in my own name.
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (WA)

While at basic training for the XXXX XXXX through XXXX, XXXX XXXX XXXX XXXX sent my title to navy federal credit union XXXX XXXX XXXX It was apparently lost in the mail and so XXXX refused to get another title for me. They would only send a application for duplicate title and lean release to navy federal which navy federal would then send to me and have me get another title and return to them. Since I was at basic training while this happened, Navy federal increased my interest rate from 5 % to 15 %. I have conducted hours of phone calls to get those documents sent over to navy federal where XXXX has lost two documents and continuously refused to help me further. Navy federal is refusing to assist me with the extra interest i have been paying, even though none of this is my fault. XXXX has stated they sent the document in XXXX, XXXX, XXXX, and XXXX. However, to my knowledge only XXXX documents have been received. I have been paying hundreds of dollars in interest over 4 months trying to get this sorted out. XXXX is refusing to get a new title themselves and is requiring me to pay the filing fee for the duplicate title application. The biggest issue being I live in washington now with my vehicle but the car is still registered in Hawaii. Therefore, I have to mail all documents to Hawaii DMV in hopes they process everything correctly with navy federal as the new lean holder and get the title back to me. I have been attempting to get this sorted out for 4 months and no one has helped me on either end to get this sorted out.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I want to file a complaint on Equifax for the inaccurate information they are reporting on my consumer reports, I have tried to dispute this information before but the company has failed to update me of my previous dispute or correct the inaccurate information that is being reported I have attached a copy of my Equifax consumer report and I have highlighted the inaccuracies on the report I want someone to hold them responsible for these inaccuracies because by law everything has to match on my report on a three bureaus and it does not
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I monitor my credit report closely and noticed that you guys placed a CLOSED account on my report without my consent!! Firstly, I applied for a credit card, and was not happy with the credit limit, so I immediately contacted XXXX XXXX to cancel the account. I HAVE NEVER RECEIVED ANY CARD OR USED IT ONCE! !. They told me when I contacted them that it would not be reported on my credit profile since I never activated the account!! Yet YOU are reporting it. Account : XXXX XXXX  XXXX Also the companies have violated my rights several times under 15 USC 1681.

According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX
Consumer complaint received 2023-04-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}
Consumer complaint received 2023-10-10
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. (NC)

I submitted a complaint last XX/XX/2023. Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Purchased a new house XXXX. House closed and the property taxes assigned to the impound account was more than double what it should be. The house was a new build and so there is no actual tax bill assigned yet. The bank estimated what they believed to be the future taxes using a criterion I have not been able to understand. I spoke to title people , county tax people, my realtor and everyone agrees something is wrong. I have spoken to my loan officer, customer service twice from the bank involved and still no one can properly explain why the high tax estimate. They just keep telling me the impound account will correct at the first hard tax bill. That bill may not be sent to me until XX/XX/2024. Meantime my monthly payment is higher than I ever anticipated. I paid {$290000.00} for the house. They are taxing me the near equivalent of a {$500000.00} house. ( Approximately ) The county tax person suggested I tell the bank to use their online tax estimator to get a better look. I told the last customer service person to try that, but they would not. I am frustrated and can not get any answers. So figured I would try your bureau.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under the Fair Credit Reporting Act XXXX  Account, XXXX XXXX # XXXX, and XXXX XXXX # XXXX, have violated my rights. 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 : A consumer reporting agency can not furnish an account without my written instructions. These two XXXX XXXX accounts are showing late payments That are hurting my credit scores
Consumer complaint received 2023-04-13
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

Citizens Bank lied to XXXX about reasons for denial of mortgage loan. See attached. It was due to my developing a XXXX. This caused my income to shift from teaching to XXXX XXXXXXXX. The amount was not drastically different. They wouldnt consider my XXXX income. They stated failure to disclose student loan debt and failure to provide XXXX income. 
The XXXX debt is clearly shown on their XX/XX/XXXX disclosure attached. This loan was never late or in any state other than good standing.This was also when we applied for the loan that was denied in mid XX/XX/XXXX. There was obvious delay of processing WAY beyond the 30-90 days as told to XXXX. 
I was told by XXXX XXXX by email that there was no way to move forward with the loan with me on it after I let her know that my income would be shifting XXXX XXXX that month. Rather than waiting just a few days for that confirmation info, the loan was denied right away. We had been waiting since XX/XX/XXXX fir a decision and they couldnt wait a few days for some updated information.
Consumer complaint received 2023-10-10
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (FL)

I received a Netspend card in the mail, which included a " prepaid debit card '' with my full name on it. Thinking I was receiving money on a prepaid card, I went to activate the card. In order to activate the card you must give them your SSN. I did, and finished activating the card/creating my account, only to find a {$0.00} balance on the card. 
I did not request this card. I called XXXX to speak with someone, and told them I did not request this card, and wanted to find out why I was receiving it. 
Per Netspend 's Customer Service, I received a card " because [ I ] am one of their POTENTIAL CUSTOMERS '' and they got my information from " Public Records ''. Per the fine print, they are now able to share my SSN with any of their affiliates, even after I am NO LONGER A CUSTOMER. If I am " Inactive '' for 90 days without a transaction, they will beginning charging me {$5.00} per month. 

This company 's " Advertising '' to " Potential Customers '' forces you to create an account and give out your SSN, just to find you've created an account with a company that charges you fees FOR THE PLAN ITSELF, fees per EACH PURCHASE, Fees to WITHDRAW, Fees to RELOAD, Fees to CHECK BALANCE on an ATM, DEPOSIT CHECKS, ands INACTIVITY FEES. 

Per the fine print included with the card, " It is important to Register your Card Account as soon as possible. Until you Register your Card Account and we verify your identity, we are not required to research or resolve any errors regarding your Card Account.
Consumer complaint received 2023-02-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I setup a monthly payment with portfolio recovery. All of a sudden after the 3rd payment the payment amount went up against my consent to do so and against our original agreement, and then i continued to get texts and phone calls stating my payment arrangement had a problem. I have been called at XXXX XXXX  and at XXXX. I have been called consistently throughout the day, even on weekends and sundays due to them breaking our payment agreement. It is affecting my workdays and my after work rest.
Consumer complaint received 2024-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MO)

I refinanced some of my student loans that I had with EdFinancial. The loan refinance payment resulted in overpayment of some of my accounts with Edfinancial. EdFinancial is supposed to redirect the overpaid money to an account with the next highest interest rate. 

I have asked them multiple times over the course of about 4 months and they will not do anything with my money. It is stuck in limbo while they continue to require payments on my other accounts that are actively collecting interest. They effectively stole about {$1000.00} from me and they will not return it or redirect it.