davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
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: ALLY FINANCIAL INC. (VA)

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

Ally Financial - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with Ally Financial is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX-XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Started 3 weeks ago with my tax return your bank close my account telling me your fraud department needed documents I just sent them the return they asked for in im still being denied I was told numerous times 3 weeks ago that they were sending check back to address after they closed my account comes to find out my check never went to address now they giving information that the money in the bank they need tax return from irs I provided everything they asked for this very discrimination disturbing XXXXm getting very negative attitudes from your employees giving me a hard time
Consumer complaint received 2022-11-08
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: Resurgent Capital Services L.P. (UT)

LVNV funding has illegally reported an alleged debt to my consumer profile. They sent notices which I responded within the proper 30-day windo requesting them to send back to the original creditor due to numerous debt collection agencies seeking on this alleged debt. Instead, LVNV reported the debt anyways to the credit reporting agencies. Immediate removal of all reporting to the credit reporting agencies as the debt was not sent back to the original including responding to the alleged debt in the 30-day window which you do not legally have the right to report anything on my consumer profile. These are both FCRA 623 ( a ) violations and FDCPA Violations if you continue to do so.
Consumer complaint received 2022-11-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

XX/XX/XXXX I sent {$3000.00} through XXXX also I paid for the service, its been more than 1 week since this happened and we dont know where the money is at. The company says the bank has it but the bank said XXXX has it so basically we dont even know where the money is, I have been trying to get a refund from XXXX its been a nightmare this whole process. Also XXXX ask me for my SSI twice, which is unusual and suspicious because nobody should ask you for you SSI. XXXX XXXX ask me for information that the bank is asking for but we called to the bank and they said they are NOT asking for any information. So pretty much I dont know who has the money and I want a refund.
Consumer complaint received 2023-06-01
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. (TX)

I submitted a prior complaint to you reference number is XXXX, on XX/XX/2022 and my compliant was not resolved, I resubmitted my dispute to the credit bureaus, and I received an update from the credit bureaus online saying that the accounts I am disputing accounts XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I requested that they forward me all the documentation in regards to this investigation, this account is inaccurate and my consumer rights are being violated because the credit agencies are refusing to answer my request to provide me via US Mail all documentation in this investigation and the methods used to verify these erroneous accounts.
Consumer complaint received 2023-03-19
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. (DE)

There are multiple inaccuracies reporting to my credit file and I would like to see if I can have them removed from my credit file. As I am aware that the credit reporting agencies have to report accurate information and they arent allowed to report to my credit file personal information. When I contacted XXXX the dates for me allegedly being late werent accurate. I understand it has to be 30/60/90 days. 
On XX/XX/XXXX it reported I was 30 days late, then XX/XX/XXXX I was 60 days late, XX/XX/XXXX 30 days late and XX/XX/XXXX 30 days late which is inaccurate. They do not match my payment history made to XXXX from my personal bank account. The dates are inaccurate. I pay my bills on time and would like this issues to be handle properly.
Consumer complaint received 2023-06-03
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)

You have furnished my account with out my consent or authorization. that is considered unfair practices, violating FCRA. Upon investigating I need proof of what you investigated, where you got the information from and I request a copy of the report if failed to do so I will not hesitate to take legal action
Consumer complaint received 2020-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

I have applied in the past for a payday loan to help with planning my wedding for next year. The advertising is VERY misleading to a consumer and the ad on the internet tells a consumer about someone can get a payday loan and that there is no impact on hit on his/her credit report score. I have had numerous calls getting my hopes up for a payday loan to repay them back over time that they ask me as to why I need a loan and and the purpose of the loan and they tell me that a firm could help me with getting my credit score up like the firm of Lexington Law when I tried to get a small loan and I was transfered to a person from a loan company to Lexington Law to sell me their services as well like a Third Party. The loan company I believe did not explain any TRUTH AND LENDING BUSINESS and any of the Fair Business Pratices. I do believe the short term payday loan services receive Money from other agencies " Kickbacks '' that i believe that both companies about that an individual tells them no like Lexington Law that Lexington law tells the customer that they can pull a person 's credit and challenge the validity of business that a a consumer applies for a credit card that they offer ways based on the laws to help repair someone's credit for what they say that they can deliver for over {$100.00} a month in which they take out their fee every month and they say it would help to get a consumer credit score up within 4-6 months and that a consumer can look at his/her credit report and all it tells the consumer that it tell that there has been a letter from Lexington law that these has " Just An Inquiring '' from Lexington.Law. This to me is very false and deceiving customers to pay a fee in for fixing their credit and Lexington Law I think is breaking " The Truth Lending Law and that they probably sell some of their business to another firm or these scammers or robocallers. This to me is Unfair Business Practice and False Advertising by a loan company and by Lexington Law as well and not doing anything about their customers credit report to fix it.
Consumer complaint received 2018-03-13
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. (LA)

I have a XXXX credit card that was charged off in XX/XX/2014. This debt was sold to a debt collection once then went back to XXXX. I believe this debt is part of the settlement when cfpb brought action against XXXX. This charge off is negitively impacting my credit report and I believe it should be removed from my credit reporting since it was from the cfpb settlement. I contacted XXXX to see if they would remove the account however they would not.
Consumer complaint received 2023-06-25
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: Experian Information Solutions Inc. (IN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Consumer complaint received 2024-03-03
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX # XXXX 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 a account without my written instructions
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

Experian recently notified me via email that my credit score has been changed. Review of my credit score through Experian revealed tha my credit score fell from XXXX to XXXX due to report by XXXX XXXX  stating that there is a 30 days late payment that was not paid. 
This credit card has not been used for a few years. So it happened that I did not pay a membership fees that were due on XX/XX/XXXX. I immediately paid outstanding amount on line and contacted XXXX customer service. My complain was that the XXXX has failed to notify me of incoming balance payment either through email, phone message or US Mail at any time which caused delay of me submitting the payment at due date. Speaking with a customer service account representative proved the fact of failing to communicate with me. Had I get any notification ( like all of my banking creditors ), this problem could be avoided. Important to state that XXXX XXXX  has no means for establishing alerts ( such as reminders for payment due date and amount of payment and etc. ) by its clients. This is unusual and will be so helpful.
Consumer complaint received 2023-05-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I submitted a transfer to my external bank on XX/XX/11. I was told it would take 3 business days. To date, the transfer has not been processed. It has been 4 days...
Consumer complaint received 2023-05-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

( 1 ) : My XX/XX/XXXX Mortgage Statement from Citizens Bank shows an Escrow Balance of {$3100.00}. This was carried over from the XX/XX/XXXX Statement. By the end of the year, all Escrow Funds should have been paid out and the balance at or near XXXX. 

( 2 ) : In late XX/XX/XXXX, I received a letter from the XXXX XXXX Tax Authority that my XXXX County Tax was not paid. Upon checking further, I found that the XXXX XXXX Property Tax and the XXXX XXXX School Tax had not been paid for the entire year as well. Citizens Bank, through a third pasrty, XXXX XXXX, Provided incorrect property identification information, incorrect tax amounts to each tax entity, and these paymentys were returned to Citizens and Citizens re-entered them to the Escrow Caaount as TAX REFUNDS and did not follow-up any further. 

( XXXX ) : In late XX/XX/XXXX, I wrote ( 3 ) three personal checks, one to each of the tax entities from my personal check account in the amount totalling {$6700.00}. These fees included late payment charges due to Citizens failure to abide by the terms of the Mortgage Agreement, Section # XXXX. 

( 4 ) : As of this date, and after repeated calls to Citizens Bank Customer Service Department, they have finally agreed to refund the excess fund they are holding after asking me what they should do with the money? 

( 5 ) : I have requested that Citizens waive collecting these Escrow Funds from my Mortgage Statement. Over the past year and including the first four ( 4 ) months of XXXX, they have eloquently demonstrated their inability to control my frunds. I have been denied my request for a waiver, Based on the investor of your loan, ( never named ), property taxes, applicable special assessments and property insurance premiums are required to be collected as part of your regularly scheduled payment and held in an escrow account until theyre due. This is the quote from therir denial letter. 
However, Section 3 of the Instrument Agreement prepared by : Citizens Bank , N.A. states partiallyLender may waive Borrowers obligation to pay the Fundsfor any and all Escrow Items at any time. Any such waiver may only be in writing. This information is on page 6 of 20, Uniform Instrument Modified For Department of Veterans Affairs MERS 1/01 ( Rev. 2/16 ) As of this complaint, Citizens Bank has withdrawn funds from the Excrow Account, did not list or identify where or why these funds were withdrawn and continue to deny any of my requests for a waiver.
Consumer complaint received 2015-07-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Our home loan was sold by XXXX XXXX XXXX to Nationstar Mortgage Company XX/XX/XXXX. A homeowner 's insurance premium came due on XXXX XXXX, 2015. The terms of the loan call for this payment to be made from our escrow account. This payment was not made by Nationstar Mortgage as agreed, and the coverage will be terminated on XXXX XXXX, 2015. Both Nationstar and XXXX XXXX XXXX provided assurances that the transition would be seamless. In addition, they have XXXX our mortgage insurance premiums without explanation. I contacted Nationstar Mortgage directly and did not receive any response and certainly not a resolution within their promised time frame. Attached please find the escrow details from Nationstar 's website that indicate the homeowner 's inusrance payment is scheduled for XXXX 2015. Today is XXXX XXXX, 2015. MIP should be half of the shown amount.
Consumer complaint received 2017-07-15
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: EQUIFAX, INC. (OH)

I bought a car in  XXXX   2017 . They never told me my credit was going to be ran through  XXXX  different companies. There is also  XXXX  cards applied for that I did n't apply for.
Consumer complaint received 2020-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I called Care Credit/Synchronicity Bank regarding my Care Credit Account. I am in the process of considering Bankruptcy. My income was drastically lowered due to COVID19 and ultimately I was laid off of my job in XX/XX/2020. My only income is unemployment which is less than my monthly costs of mortgage, insurance, XXXX and taxes. I inquired about negotiating a settlement which would also work on the {$1600.00} in interest and fees that Synchronicity Bank has charged me on borrowing {$2000.00}. I spoke to XXXX who is an Account Manager for Synchronicity Bank. When I stated to him I am trying to negotiate a possible payoff rather than bankruptcy he told me he would check to see if I qualified for a settlement. He then told me that I did not qualify for a settlement. When I asked why he told me he could not tell me.. '' I have to go by what the system is telling me ''. I asked again and he told me he could not tell me why. I was told however that I could pay {$42.00} a month for five years. I can not cover my basic living expenses, not including utilities or food, yet Synchonicity is ensuring they collect on their PREDATORY lending practices. This is shameful and should be criminal how much they are charging and continuing to profit on the demise of working class persons as myself.
Consumer complaint received 2015-07-15
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My mortgage servicer, Nationstar Mortgage, neglected to pay the homeowner insurance on my home resulting in the canceling of my policy, and leaving me uninsured and vulnerable to loss. All while collecting escrow and refusing to allow me the responsibility of paying the insurance and real estate tax myself.
Consumer complaint received 2017-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion listed closed accounts that I was told would be removed from my credit file. All documents were sent in to TransUnion. The companies are 2 Us Dept Of Ed accounts closed but not removed from. I sent in several letters and personally contacted the bureau along with the lenders. Not actions have been taken. The items still remain on my credit profile today.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BUSEY BANK (OR)

On XX/XX/year> I opened a Foundation Checking account with Busey Bank with their BUSEY300 promotion. There were a few requirements for obtaining the {$300.00} bonus associated with the promotion. 

I opened the account and funded. I enrolled in online banking and estatements. I had direct deposit from XXXX on XX/XX/year>. I made XXXX transactions as required. 
I met the requirements. 

I waited a few months for the missing {$300.00} to be credited to my account. However, the promised bonus amount have still not been credited.
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We want to file a complaint against our Mortgage Company. Bank of America who purchased our mortgage and Equity loan from XXXX, which I think is a predatory loan. I was forced from my Job XXXX causing our income to be cut in half. Because we were not behind, we went through office after office with Bank of America overnighting fax after fax from a fax in a Bank of America office. It confirmed receipt and they said they did not receive. I talked to people in BOA XXXX.They still offered no help because we were current and have stayed current. Instead they recently raised our payments Our house dropped in value from {$450000.00} to {$190000.00} during this time and they still would not do anything to help. For 10 years they have have credited our mortgage payments to the interest rate 6 % and not to the mortgage. Now they have increased our payment on the Mortgage to {$1800.00} and doubled our payment on the equity loan. We need help to keep our home. We have no other home and I do not want to live on the street XXXX. We are still not behind on our loan.