davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Duvera Billing Services, LLC (NV)

Utilized small loan service Duvera to assist purchasing a puppy with an understanding I would have until XX/XX/2020 to satisfy the amount due. Duvera assigned the loan to XXXX. XXXX applied an appalling amount of interest to the loan. In my constant calls they were unwilling the allow me to satisfy the account so that they could continue to charge insane and illegal amount of interest daily. Once I finally had satisfied the account, they continue to report me as having a monthly payment and balance due. I have called and again they are unwilling to assist by updating their reporting to the bureaus. I am requesting all interest refunded, and credit reporting updated to reflect as paid in full/satisfied. This reporting continues to negatively impact on my ability to receive credit. This company is engaged in continual predatory lending practices, and are acting maliciously against me. They need to be closed down! Where are consumer protections?
Consumer complaint received 2021-01-19
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: AMERICAN EXPRESS COMPANY (NC)

On my credit report there is a closed account with huge amount of missed payments. AMERICAN EXPRESS Reported : XX/XX/2020. Its not mine account. This account belongs to my ex husband. I no longer share finances with him, I want to ask XXXX  to remove it from my credit report. I have supporting documents.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IL)

I have been a victim of identity theft for years. My wallet was stolen from the airport back in XXXX. As a result accounts were fraudulently opened in my name. I have made several attempts to both the credit bureaus and company. 

XXXX XXXX $ XXXX Discover {$6500.00} XXXX XXXX. Amount unknown. 

Also back in XXXX I had a roommate for college with XXXX XXXX. The company keeps selling the account and putting it back on my credit report as it has already reached the statue of limitations. I should not be responsible for this. 
Account : XXXX  Please help me to get these items removed from my credit report.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (IL)

This account was never late. At the time of the late payments reported to the Credit Bureaus it was in deferment and then transferred. I am requesting that the inaccurate late payments be removed from my credit report.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JSZ Financial Co., Inc. (TX)

The land lord and property manager got angry when I decided not to renew my lease because the house was in extremely poor living conditions. I paid the final XXXX that rent and moved out early due to relocation for woek. After that I received an alert that I owed a debt ofa little over XXXX. This has effected me and my family o have a XXXX and XXXX XXXX XXXX and it's impossible to secure a lease for a good price with this fraudulent debt on my credit.
Consumer complaint received 2021-01-20
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: EQUIFAX, INC. (FL)

I have submitted Police Report proving I am a victim of Identity Theft. The police report indicates that XXXX ( XXXX ) is a fraudulent account. This account was removed from my Equifax consumer report in XX/XX/2020 and was re-inserted in XX/XX/2020. Equifax has also sent a letter stating that they will not block the account which is a direct violation of my rights under the Fairs Credit Act. I have submitted a Police Report and Identity Theft Report to Equifax several times requesting to block this account Under section 605B of the Fair Credit Reporting Act. The fraudulent accounts are ; XXXX-XXXX XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX| Amount : {$5000.00} XXXX-XXXX  XXXX| Account # XXXX Open Date XX/XX/XXXX, XXXX Amount : {$18000.00} XXXX XXXX XXXX Account # XXXX| XXXX XXXX XX/XX/XXXX, XXXX Amount : {$3300.00} Equifax is in continued violation of my rights under the Fairs Credit Act. I have attached a letter from Equifax refusing to block the accounts under section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BBVA FINANCIAL CORPORATION (NJ)

On XX/XX/2021 I submitted an international wire in the amount of {$5000.00} from my personal checking account at BBVA USA. All security information was previously verified by their Wire Department ; however, to this date funds have not been received by the recipient account nor returned to the checking account despite multiple pleas via phone calls. This bank operates like an outlaw organization in total disregard of customer relations. Whenever I attempted to find out about the wire using my calmer demeanor, they either put me on hold or simply hung up the phone in what appears to be an inconsequential behavior for those staff members involved. 

I have been transferred multiple times to different alleged supervision levels but none are even willing to file a dispute report, which filing is also restricted online. 
BBVA have been illegally holding funds meant for a time sensitive business transaction which I already missed, but I just need my monies back as soon as possible. 
Amount of wire : {$5000.00} Date sent : XX/XX/2021 Destination : XXXX XXXX BBVA confirmation code : XXXX
Consumer complaint received 2021-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (OH)

ERC is claiming I have debt with XXXX. I haven't had XXXX in years and it was never on my credit report before. I have never received a XXXX bill at this current address either. 
The letter is dated XX/XX/2021 in the amount of {$220.00}. They say they will settle the debt for {$110.00}. 
Website XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Florida. 
Pay with cash at XXXX or XXXX XXXX. 

I had also put a freeze on my accounts because I have had an issue with someone opening accounts in my name. This account should never have even been opened if this was an actual account. I should have been notified immediately someone attempted to open up an account in my name but I never received an alert.
Consumer complaint received 2021-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

I was really surprised when I reviewed my credit report and found there was a late payment on XX/XX/2019. 

I am not sure how this happened. I believe I made all my payments on time. Is is possible I never received my bill.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (CA)

I DO NOT OWE THIS DEBT. NO MONEY IS OWED TO XXXX XXXX. 

XXXX HAS BEEN REPEATEDLY NON RESPONSIVE TO ME. APPARENTLY, IT ALSO FAILED TO BILL INSURANCE AND IS IMPROPERLY AND UNLAWFULLY BILLING ME FOR THOUSANDS OF DOLLARS. 

XXXX UNLAWFULLY PLACED THIS COLLECTION ACCOUNT ON MY CREDIT BUREAU AND IS TRYING TO COLLECT ON A DEBT THAT IS NON EXISTENT. ITS ACTIONS IN DOING SO ESSENTIALLY AMOUNTS TO EXTORTION. 

I HAVE CALLED, EMAILED, LEFT MESSAGES TO NO AVAIL. XXXX IS ENGAGING IN DECEPTIVE BUSINESS PRACTICES. 

PLEASE SEE TO IT THAT THIS ISSUE IS IMMEDIATELY RESOLVED. 

THANK YOU.
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CT)

I applied for a mortgage refinance in XXXX, 2020. My home was appraised on XX/XX/XXXX, and all information provided to Amerisave in time for me to receive initial closing disclosures on XX/XX/2020. In the several months since then, the closing has not been scheduled to date. The company has repeatedly asked me for information that I had previously provided. Each time I provide them requested information, always within 24 hours of their request, I get repeated requests for more information and then weeks go by without hearing from anyone. Then someone else looks at it, asks me for more repeated backup and/or updated information. The people working on my loan do not understand compensation of a business owner - they have asked irrelevant questions. At one point the loan orignator, XXXX XXXX, told me he thought they were going to deny the loan because of lack of compensation ( untrue ). I applied for another loan and my credit was pinged again. Then the loan processor, XXXX XXXX, told me they were on closing the loan. This was two months ago. They then came back and told me they needed another credit score because so much time had passed. There are now 3 checks of my credit, impacting my score, and I still have not refinanced, nor can I get even the courtesy of a reply. This has dragged on for six months and I can not get any answers from anyone. I have contacted both my loan originator and loan processor repeatedly and been ignored for weeks at a time. I have called their customer service line and received no reply. This is costing me money each month and has now significantly impacted my credit score so it will hurt me to switch to a different company at this point in the process.
Consumer complaint received 2024-03-22
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. (IA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-26
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. (FL)

in accordance with the Fair Credit Reporting Act XXXX  Account name : DEPTEDXXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX, 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.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-09-26
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. (NJ)

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.

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 2022-10-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (FL)

After receiving roof damage during Hurricane Ivan, I submitted an online application with Navy Federal Credit Union ( NFCU ) for a Home Equity Line of Credit ( HELOC ). My intention was to repair the roof using the funds from the HELOC while I await my insurance settlement. 

I received an email requesting a telephone interview from XXXX XXXX, Equity Processing XXXX | XXXX XXXX XXXX, XXXX XXXX XXXX | XXXX, VA | XXXX Telephone : XXXX | Fax : XXXX Email : XXXX, On Friday, XX/XX/2022, during our very first conversation, XXXX XXXX outlined that there would be approx. {$2000.00} in closing costs and that the roof would probably have to be replaced BEFORE they could approve the loan. I immediately responded by instructing her to withdraw my application. She replied " okay ''. She agreed to withdraw my application. She then called me back a few minutes later and stated that " by law, they must record my loan as declined ''. That is absolutely untrue. My loan was not declined, nor had they even offered me the loan or completed the interview. It was in fact withdrawn. She then stated that it would not be reported to credit agencies, but would be marked as declined only in the NFCU internal records. I advised that his too is unacceptable. 

So, I am requesting your assistance in having this matter resolved. I have a long-standing and blemish-free relationship with Navy Federal. I have referred dozens of borrowers due to the professionalism I experienced with NFCU, until now. I will not allow my record with NFCU to be tarnished because I withdrew a loan application. 

I'm not trying to be unreasonable but, I take my credit extremely seriously and they are threatening to disrupt my years of hard work by fraudulently recording my application as declined. They DIDN'T decline my loan, I WITHDREW my application. 

I am a XXXX, XXXX XXXX veteran and I rely on my credit in the event of emergencies. What NFCU is doing is not only deceptive and destructive, but I believe it is fraudulent and illegal. 

Please help, XXXX XXXX
Consumer complaint received 2022-10-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

This was not sent in error, I am a consumer by law and my information was misused. Due to this there is false information reporting on my credit report. Unauthorized use of my credit report
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I arrived into Ga XX/XX/XXXX anxious to start a new life. I was working at XXXX XXXX XXXX XXXX. In which I opened an account at Bank of America. In XX/XX/XXXX I went online to seek opportunities for part time work. I saw some apps for XXXX XXXX. I applied for one thinking that it was legit. It sounded like something that would fit my current work schedule. After submitting my application I received an email stating that I would receive further instructions in mail. A couple of days later I received a check which looked vety authentic and step by step instructions telling me to deposit check, take money out and go to XXXX, purchase a item etc. I anxiously, not stopping to think it could be a scam, went and deposited the check into my account. When I got back home I reread the instructions over and over again finally realizing it was a scam. I immediately called BOA explaining the situation asking if the check could be rejected. The person informed me to call first thing the next morning. The next morning I checked my account and it had been locked. I called and the person explained that my account had been closed and I could never open an account with BOA. I had no idea that my name had been submitted to a list for fraudulous activity. If you check my background you will find no history of closed accounts, outstanding checks etc. Also check my activity with XXXX XXXX and XXXX XXXX XXXX. 
I recently opened an account with XXXX XXXX only to have it rejected due to the previous incident. Please ma'am or sir I was a victim of scam activity. I work hard every day and would never intentionally pass a counterfeit check. I need help in getting this matter cleared up. I WAS AN INNOCENT VICTIM. 

THANK YOU XXXX XXXX
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 I received a call on my cell by a man acting as a Wells Fargo fraud employee wanting to assist me with possible fraud of an out of state charge for {$500.00}. He continued to ask me questions about this person, business and charge which I answered. I kept trying to get him to verify his identity which he did providing my checking account number as well as the past six checks I wrote. Then he persisted for about 45 minutes asking confidential information about debit card which I supplied pausing many times, sending text codes of XXXX and XXXX and to call XXXX, he said for my identity. He transferred {$5000.00} illegally to this name, XXXX XXXX with account number XXXX. He made notification changes, added this name as recipient of wire transfer and made all changes while holding me on the phone. I am a retired XXXX year old XXXX  and my XXXX yr. old daughter who was present were tricked by this impersonator of my {$5000.00} savings. I have discussed this 4 times with my local branch, called the fraud department minutes later and on the phone .3-4 times for their quick less than 10 day investigation findings showing they cant recover my money and the problem maybe my computer compromised. This is unacceptable that my account was not secure and money unprotected. I filed complaint with FTC, am going for police report and DA. Can you help me, PLEASE.
Consumer complaint received 2021-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Holloway Credit Solutions (AL)

I tried emailing Holloway Credit Solutions on XX/XX/XXXX to resolve this complaint. They do not except email. I am not contacting them on the phone due to how rude the employees are. 

In XXXX I received a letter from Holloway Credit Solutions saying I had till XX/XX/XXXX to submit a financial aid application to XXXX XXXX XXXX or pay this debt for {$3300.00}. XX/XX/XXXX i mailed a financial aid application to XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX sent a letter saying they reviewed my Financial Aid application and I qualify for 100 % charity discount through XX/XX/XXXX. On XX/XX/XXXX Holloway Credit Solutions added this debt to my credit report. No where in the letter did it state that I needed to contact Holloway Credit Solutions and notify them I was sending the application or what response I received for the application from XXXX XXXX XXXX. So Holloway Credit Solutions should be responsible for double checking someone account before adding a collection account on someone's credit report.
Consumer complaint received 2021-01-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

My account was put into an inactive status due to violating terms of service. The only means of contact with the company is via email. No explanation could be provided as to what the violation was other than potentially someone who sent me money violated the terms of service. Each time I contact the company a different generic response is received stating something different. My wife attempted to sign up for an account but her account was immediately frozen as it used a joint account that had been previously assigned to my account. I contacted the company to have it removed from my account as per the instructions on its website and I was told my account was deleted so there should be no issue. My account is in fact not deleted nor has the bank account association been removed. Any emails regarding any of this are responded to in a way that in no way relates to the request within the email. Any requests for escalation of the complaint are ignored.