davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Bass & Associates, P.C., Attorneys at Law (OH)

I have tired to get my loans permanently discharged due to my XXXX  XXXX  which basically bars me from a career in my field. I had asked when I applied at the college if a career would be possible with the XXXX  and was told yes. I have not been able to find gainful employment since.Over 10 years out of college. I have debt from XXXX XXXX University   XXXX, The University of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have been sued for loans I don't think I even own from XXXX XXXX in XXXX County. I just got a letter from Student Loan Deptartment from the US Department of Education stating I owe {$170000.00} with interest of {$48000.00} and fees of {$27000.00}. I had filed for a discharge years ago and have never received an answer to having XXXX  for a loan discharge before I ever went to college. They have also taken the loans off my credit report and then relist them under new names for the same debt. They are getting ready to try this again.
Consumer complaint received 2024-04-02
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 XXXX ( 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 2021-04-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (MN)

I have an escrow account through Plaza Home Mortgage. They have yet to pay my property taxes or conduct an escrow analysis, which I first requested in XX/XX/XXXX. They have yet to respond to two e-mails despite the first e-mail sent on XX/XX/XXXX informing me Id receive a response within 5 business days. I need to know my property taxes will be paid and not delinquent, and that the reduced amount of my tax burden is reflected in my monthly escrow payments.
Consumer complaint received 2023-09-21
Product: Credit reporting 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. (MD)

I send Equifax Dispute about False Inquiry on my credit report. Equifax is in Violation of reporting inaccurately Inquiry on my credit report all false and fraudulent inquiry. Under 15 U.S. Code 1681b permissible purposes of consumer reports I never gave No One any written consent to report anything on my consumer reports no consent is Fraud and Under 15 U.S Code 1602 ( p ) - Unauthorized use of my Information. Remove all of the fraudulent Inquiry off my credit report. 

Inquiry details XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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. (NY)

15 U.S. CODE 1666B TIMING OF PAYMENTS 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS XXXX XXXX account # XXXX reporting incorrect payment history on my credit report. All my payments been on time & should not have 30 day late payments, I want all credit bureaus to verify & update my report deleting these late payments as soon as possible
Consumer complaint received 2023-09-06
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. (PA)

I am writing to file a complaint to EXPERIAN regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RENASANT CORPORATION (FL)

I received a mortgage with Renasant Bank in XXXX with a XXXX balloon note balance, and part of the mortgage requirement was that I open a business checking account with them. At the time I was given a remote deposit machine. I was told that there would be no charge for the remote deposit machine, because Renasant did not have a branch in XXXX XXXX, FL. I paid off my mortgage in XX/XX/XXXX, at the time it was due. In XX/XX/XXXX, I was charged {$50.00} for the remote deposit machine with no Notice. Renasant still does not have a branch in XXXX XXXX, FL. When my bookkeeper gave me the 4th quarter totals on my account, I realized that I had been charged for 4 months for the remote deposit machine. I tried to reach out to my loan officer XXXX XXXX, he did not work at Renasant any longer. When I asked for the details of my loan and why I had been charged, Renasant stated that they put a notice on their online message board. I do not even know what this is, and explained the machine was given with no fee. I also told them that this was insufficient notice for a bank charge. They refused to provide me with any further information, and I it took me an additional ix weeks to return the machine and establish new accounts. Anyone else charged was not given sufficient notice
Consumer complaint received 2023-08-14
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I was contacted by an individual by the name of XXXX XXXX, who represented a funding company by the name of XXXX XXXX XXXX XXXX He informed me that the company specializes in funding small business start ups. He went over the details of the company 's lending procedures and then had a {$30000.00} check mailed to my home address. I took the check to my financial institution ( NAVY FEDERAL CREDIT UNION ) in order to have it deposited and a few days later received a letter from my bank informing me that the check was no good, that it was a fraud. I called the bank 's ( NAVY FEDERAL CREDIT UNION XXXX security & fraud lines numerous times in order to see what I needed to do to get assistance with this matter & I was informed that there was nothing I could do and they had no one to assist me. I attempted to reach out to the individual who I had been in contact with throughout the funding process and was not able to contact him or find any information online. As a result my financial institution ( NAVY FEDERAL CREDIT UNION ) blocked/froze my all my accounts. I tried to make a cash deposit and the teller was not allowed to take my cash. I submitted a fraud claim to the Federal Trade Commission. I gathered what information I could & submitted it to my bank in order to appeal the blocking of my accounts and it was denied. I tried to go to another financial institution ( XXXX XXXX ) and open an account only to be denied because of the block/freeze from NAVY FEDERAL CREDIT UNION XXXX As a result of some fraud/scam I am suffering & being punished for the greed of others without direction as to how to hold the perpetrator accountable and resolve this horrible situation.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is Im reference to my Transunion credit report. 

I did not make an inquiry with XXXX XXXX XXXX seeking credit. I do not know how and why it is on my Transunion credit report. Below is the date of the inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: LAKE MICHIGAN CREDIT UNION (FL)

In XX/XX/XXXX, I purchased a sofa from XXXX XXXX. In XXXX of XXXX, I was informed that XXXX XXXX  completed an XXXX process to sell their company to another company and that my order was never produced. I was given the option to cancel my order and submit a claim for the amount of money I spent. I did so. I was told to wait until XXXX XXXX for a resolution. XX/XX/XXXX of XXXX, I found out that the company responsible for settling XXXX XXXX  debts would not be paying out my claim. So I was out that money for a product I never received. I am waiting for XXXX to resolve this dispute and refund my XXXX dollars.
Consumer complaint received 2023-09-06
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. (TX)

In accordance with the fair credit reporting act this creditor has violated my rights un 15 USC 1681 section 602 states I have the right to privacy.

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

Under 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 2023-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLIANT CREDIT UNION (MI)

I opened a checking account, a savings account and a certification on XX/XX/2023 using the promo code XXXX. According to the term, i should receive {$100.00} for each account i've opened so in total i should receive a {$300.00} bonus by XX/XX/XXXX. However, until the due payout date ( XX/XX/XXXX ), I have not received the bonus. Please help me get the bonus i should have gotten. 

Terms : Open a savings account by XX/XX/2023 plus have a minimum {$1000.00} savings average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a checking account by XX/XX/2023 plus have a minimum {$100.00} checking average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a certificate by XX/XX/2023 plus maintain a minimum {$1000.00} certificate balance on XX/XX/2023 to earn a {$100.00} bonus.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OH)

This is concerning a complaint I already made, but since I cant upload new documents to a former complaint, Im starting a new one. Midland funding LLC is threatening wage garnishment from a debt they bought. This debt was from a XXXX  XXXX credit card. The card was officially closed on my credit as of XX/XX/XXXX, which means capital one has charged it off on their taxes, being XXXX XXXX XXXX, but somehow this 3rd party Midland Funding LLC is still trying to come after me for it. The document provided for the wage garnishment only has the name of the municipal court but isnt actually a court document. Its stating that Midland was coming after my wages and was only signed by the creditor, but no signage from a court official. This is the only documentation I have received regarding this very old account. I have a screenshot of my credit report saying the date of closure was XXXX, but the lady from midland said the account didnt go delinquent until XXXX. She was rude and spouted off a bunch of information at me but wouldnt listen to me when I told her I believe her reporting information was incorrect. She said it wasnt illegal to buy debt, but I believe consumer law states that once a debt is charged off from one creditor, its illegal for another to come after you for it. Statute of limitations where I live is 6 years but its been almost 8. This account is no longer reported on my credit either.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma (NC)

I call to close my accounts with Credit Karma money, and to have a check for all funds sent to me. On XX/XX/XXXX they closed my savings account and transferred the money to my checking account. I did not authorize the transfer nor did i receive a check, nor did they close my checking account.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am a vendor for the Federal CJA in the XXXX XXXX XXXX Pennsylvania. I am paid through U.S. Treasury Company name / BofA business checking account info/ EIN number are all attached. 

Friday XX/XX/2023 - I made a mobile deposit of 6 checks ( images attached ). Each check has an accompanying voucher number/case number/client name etc. ( images attached ) Monday XX/XX/2023 - My Account was closed - no reason given Spoke to " Risk Management Dept. '' 4 times over the a few weeks. I was told they are verifying the checks. 

XX/XX/2023 - Received letter ( attached ) and refund check for {$970.00} ( attached ) from BofA XXXX- I was transferred to the Check Fraud Dept. '' I was told that Hold Harmless Dept. has decided not to release my paychecks back to me.

One or two calls later, I was told that the matter was transferred to the " back office '' at Bank of America and no agent on the phone could give me any more information after that point. 

I have uploaded a PDF file with all the necessary information
Consumer complaint received 2024-06-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I opened a Capital One Credit Card in XXXX. The approved credit card included a monthly membership fee of {$3.00}. 

My credit and income profile has changed significantly since XXXX, and I have tried repeatedlty to ask them to remove it. 

Recently, this year, I was offered a credit line increase. I accepted the increase and later called to revisit the membership fee. 

I was advised, after the representative reviewed my account, that they were unable to change my card type and remove the membership fee. 

Capital One advised that the only way to get rid of the fee is to close the account and reapply for a new credit card. This is a deceptive and predatory practice. Given how credit scores work, if I were to close an account i've held for 14 years, it will negatively impact my score and impact my ability to secure credit as needed. Plus, opening a new account will also impact my score. 

I've called Capital One about this at least 3 times, probably more, without success. 

I understand that I agreed to pay a membership fee, but this practice of forcing me to close the account to remove the fee is predatory and creates severe consequences for the consumer.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I previously opened a claim that was hastily closed with a vague response. No evidence of their investigation. Truist sent a letter stating the transactions were authorized- vague as before. We have called esurance and they can not pull up anything by her name. I tried to give them the old debit card number to search, since I dont know WHO is using the card, and they referred us BACK to Truist-who failed to stop the last debit from this merchant from the account when the INITIAL dispute was opened. The representative that reached out via email was shrewd. Im trying to figure out HOW you do an investigation without speaking to anyone! We need records so that we can appropriately dispute this claim with the merchant SINCE TRUIST REFUSES TO DO THEIR JOB. 

The company did not research this claim. If they did, documentation was not provided. XXXX has verified that there is not an account in my name at all. I even had them check for my kids names and nothing. So where is my money going? How can I authorize a transaction, a recurring one at that, and not even know who the person benefiting from it is??
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

I routinely check my credit report and I recently found a negative account on it. 

It shows a debt of {$250.00} owed to XXXX XXXX, but the credit report entry was placed by Transworld Systems. 

I contacted Transworld Systems and spoke to a representative who stated it was a debt owed to XXXX back in XXXX, 2022. He stated they sent letters and emails, but reported an incorrect postal address and email address. 

He also stated that even if the {$250.00} was paid, Transworld Systems would not remove the negative account from my credit report. 

I have never been contacted by XXXX XXXX nor Transworld Systems as to a debt owed. 

This entry has had a negative impact on my credit score and has caused me financial injury.
Consumer complaint received 2023-01-24
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. (NY)

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protection consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account NAME : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX 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 604 A section 2 : its also states a consumer reporting agency can not furnish a Account without my written instruction 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 in inaccurate
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The school removed the loan from my account and sent the funds back to department of Education two weeks ago. I do not have a loan because I paid school out of pocket and conferred master degree on XX/XX/2023. I do not have a school loan. 

Direct unsubsidized loan ( University XXXX XXXX XXXX ), Principle amount {$20000.00} Loan servicer : XXXX Account number XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically XXXX! Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to XXXX that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to XXXX, XXXX, and Transunion? I want the CFBP to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!
Consumer complaint received 2023-02-24
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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