davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On Saturday, XX/XX/2023, I took a cash I was saving to spend on XXXX XXXX, to the Bank of America ( inside bank ) ATM, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. 
I pulled aside the cash I need, and insert to the machine around XXXX {$100.00} bills, and about XXXX {$20.00} bills, the machine pulled my money, and then gave me a receipt stating an error was happened, and that I should speak to a customer service member, and then only {$300.00} was deposited. 
I called the number, right away, but after holding for about XXXX minutes with several trials, the phone machine said the offices were closed. 
I called the next day, I got an answer that they bank will deposit {$1000.00} as a-temporary credit until they do their investigations. 
nothing was credited, I called agin, on Tuesday XX/XX/XXXX, the associate said sorry, but the money should be deposited within XXXX hours. 
Nothing was received, I called again two days after, this time the associate said that the bank ( back up ), and I should have to wait until they finish their investigations, I told her I need the money, and its not my fault, she asked me to file a hardship, to receive my money, she did it for me.

no money was received, I called today, and associate from customer service in Arkansas called himself XXXX, told me that I have to wait until the investigation is done, and that I have no other options, I asked to talk to a supervisor, XXXX said the same thing, I explained to her that it's not my fault, and I need the money, she asked me to wait for their investigations again, I told her will your bank wait for me to pay a credit card after the due date, she said she can't help me.

I am asking you to justify me against this bank who used it's power to ignore my rights, took my money to their machine and kept me calling and calling and getting frustrated because I need my money, while they don't care.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

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

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

I demand the late payment reported to be removed/updated. 

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

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

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2023-04-22
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. (CA)

Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this was a mistake as you can see from me elite payment history. I have a perfect record of paying on time and I was like to continue and remain an active consumer with XXXX  XXXX XXXX and would be happy to do so once this matter is cleared up. I need this erroneous late payment corrected and updated to paid as agreed immediately
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Premier Auto Credit (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX XXXX account number XXXX Account name : XXXX XXXX XXXX XXXX XXXX of a 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 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 2023-09-11
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. (PA)

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report
Consumer complaint received 2023-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (DE)

Rushmore loan management stated in XX/XX/2022 that they first didnt receive my payment of XXXX XXXX before changing it to the payment was received as reversed as NSF XXXX I disputed this with Rushmores resolution department and I followed their instructions on what I needed to do to resolve the issue ( at least 3 times ) and still they have not resolved the issue and yet they are still reporting this to credit bureau as missing payment and it is affecting my credit score.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

Fourth time submitting a dispute with the Credit Bureau over the past year to clean my credit getting things that are incorrect or invalid removed. 

They addressed something but keeps leaving out things. 

INCORRECT ADDRESS XXXX XXXX XXXX XXXX # XXXX XXXX AZ, XXXX I ALSO HAVE HARD INQUIRIES THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/
Consumer complaint received 2023-09-11
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: JPMORGAN CHASE & CO. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (MA)

I have leased a car from Hyundai Motor Finance. I called Hyundai Motor Finance in the second week of XX/XX/XXXX  for my Title. I have changed state from XXXX  to XXXX  and in order to register my vehicle I need my title. I have contacted them several times and every time I have contacted them they told me a new story. Firstly they asked me to upload certain documents which I did. When nothing happened for a while I called them again and my call was transferred to a senior manger who was quite rude to me without any reason. He asked me to upload more documents which I did on the same date. Nothing happened again and therefore, I called them again. Now they asked me to upload the check. I specifically asked them whether I needed to do something more as I am in desperate need of the title. My registration will expire in a week. They said no this is enough. My registration expired and I didn't get the title. I called them again. Now they said I have to mail them the document. I talked to a senior manager again and he was pretty rude. I posted the documents to them and with the tracking number ( XXXX can see that the documents were received by them. Still no action. I am so done with the company right now. They have harassed me mentally and wasted so much of my time. I really need them to send my title asap.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (KY)

Barclays account : They had derogatory marks on a credit card that shouldnt have back in XXXX. They are stating they closed it but the card was paid in full. Its showing on all three credit reports as still derogatory. I attempted to fix it with them and they stated there were no issues. As I told them it was still on my credit report, they left me on the phone for 2 hrs and can not send me anything because I dont have the same address from XXXX.
Consumer complaint received 2016-02-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (NJ)

XXXX sent me a letter dated XX/XX/XXXX stating 1 ) they had been retained by Discover Bank, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XX/XX/XXXX. In that letter, I asked XXXX to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by XXXX approximately one week later. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XX/XX/XXXX by XX/XX/XXXX regarding this matter. 

ISSUE : This firm stated they were retained by Discover Bank. That claim is patently false, since the debt was charged off. If Discover Bank was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further, XXXX has extended this fraud into court.
Consumer complaint received 2020-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

This account is showing on my report : XXXX XXXX  XXXX XXXX, NE XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX # 1. No notification was sent before placing on my credit report as required by law # 2. My insurance paid this claim # 3. Work was done without authorization By law -- this needs removed on my credit report and never placed back on or I will file suit against XXXX XXXX and collection agency XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-26
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. (AL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-09-11
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2023-08-18
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. (AL)

Unauthorized Inquiries As the affiant is aware, it is a fact that these inquiries were conducted without my permission/consent. There was no legal reason for doing so, which is against 15 U.S. Code 161b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inquiries are as follows : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone XXXX 15 U.S. Code 1681n ( 1 ) ( A ) : Unauthorized Inquiries hold civil liabilities hold up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.It is a fact, I, the affiant, is aware these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} per inquiry as the listed companies above are in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.
Consumer complaint received 2023-09-11
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. (TN)

XX/XX/XXXX and XX/XX/XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company and all 3 bureaus. Was not resolved. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all 3 bureaus. Was not resolved. XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry ( s ) on credit file ( unauthorized ), I disputed with company, and provided police report all XXXX bureaus. Was not resolved.
Consumer complaint received 2023-09-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I was looking for a home to rent, and found a landlord on XXXX. I then looked at other sites to see if this was a legitimate home. I did find the home on other sites like XXXX, and XXXX. I then called the landlord and made an appointment for the following day. Once I arrived at the location, the landlord was not present. When I called him he stated that the place was already rented and he had another home for me. I then drove to the new location. He walked me through his process with XXXX XXXX  to gain access to the home. After walking through the home, XXXX XXXX the " Landlord '' called me back. He asked if I wanted the home, and stated he had another family coming to see the home at XXXX XXXX. He then charged me {$75.00} for the application. I completed it. Then he stated he needed a down payment of {$1600.00}. He took a copy of my information. And gave me his lawyer 's info for the down payment. He then tricked me into sending him the {$1600.00}. A few days later, he contacted me. I sent his information to HUD, as they help pay my rent. We emailed a couple of things back and forth. He contacted me a few days later asking me to pay the remainder of the rent to move in. I explained to him I needed more time as HUD must see the home and inspect it. He tried to say he has other people interested, and serious about the home. When I refused to pay more, he said he would refund my money. Which he never did, He then blocked me. I reported this to the sheriff 's office. Who then said they have had several problems with this man in the area. They were not surprised. although I have reported this, PNC refuses to help me, or return the money to my account.
Consumer complaint received 2023-09-11
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. (TN)

my personal information was stolen and my id was used to get loans and credit. I filed a police report and sent the paperwork to the credit reporting agencies per the FCRA. I disputed these accounts. Nothing has been done and I have not gotten copies of the verification process XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (TX)

I did not authorize the creation of these inquiries, and I am certain they are identity theft. I request that you investigate the matter and expunge them from my credit report. I have furnished supporting evidence to corroborate my claims.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

THIS ACCOUNT IS NOT MINE. IT BELONGS TO XXXX XXXX XXXX XXXX WHO FILED CHAPTER XXXX BANKRUPTCY WHICH HAS BEEN DISCHARGED. ACCORDING TO HIS ATTORNEY AND CURRENT BANKRUPTCY LAWS YOUR ORGANIZATION HAD AN OPPORTUNITY TO DISPUTE THIS ACCOUNT AND Its STATUS DURING THE MEETING OF THE CREDITORS WHICH YOU FAILED TO DO SO.
Consumer complaint received 2023-09-11
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

I received 5 {$200.00} XXXX XXXX XXXX American Express reward cards from XXXX as a result of my flight being overbooked. 

I tried to use the cards at XXXX. They processed my order, but then i received an email on XX/XX/2023 that my payment was not being authorized. 

I tried using a different card on XX/XX/2023 at home depot.com. Same thing happened. I received an email saying my payment was declined by the bank. 

I have tried this with numerous other merchants with no success. 

I was on the phone with customer service for 20 minutes again today and did not receive a satisfactory response. I asked to speak to a supervisor and was put on hold and listened to music for 15 more minutes before hanging up.
Consumer complaint received 2023-09-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (KS)

On XX/XX/XXXX, I uploaded signed PSLF forms for eligible government employer. I was told in XXXX that it had been approved and processed. Still, as of today XX/XX/XXXX, MOEHLA has refused to submit or process the qualifying months and have only processed one of five months on the signed form. Representative told me over the phone that it had been processed and sent to FSA for count to be applied to my account. When I demanded proof of this request and why only one month had been processed, I caught her in a lie. She then said it was still in processing and hadn't been sent to XXXX or applied, which is also a lie because of it hadn't been processed, how would XXXX month have been processed and counted. 

I also uploaded a form and documentation of another eligible employer ( XXXX  ) on XX/XX/XXXXXXXX  with accompanying eligibility documentation ( XXXX XXXX ) and MOHELA has done nothing to process the submitted form. 

Representative : XXXX ( XXXX XXXX ) claims they only verified XX/XX/XXXXXXXX  but have to verify all other days of employment, even though the entire employment period is on one form and signed after employment period ended.