davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

Bank of America- XXXX XXXX- XXXX XXXX XXXX XXXX I had multiple payroll checks that I had mobile deposited into a bank of America account stolen from me and the person who stole them used their phone to mobile deposit them in to a XXXX XXXX XXXX XXXX account. A listing of the checks and amounts is below. Bank of America then took all of these amounts out of my account stating that they were a " duplicate deposit ''. A police report was filed due to the check fraud. Bank of America will not allow me to file a fraud claim because they state the checks were not drawn on a b of a account. XXXX XXXX will not allow me to file a claim with them because I do not have an account. The bank that the checks were drawn on XXXX XXXX   will not allow me to file a fraud claim because I am not the account holder. The account holder has tried to file a claim and they will not let them because they state that the fraud was not committed against them. I am at a loss as to how to get my money back. 

Check number 1 - originally deposited in bank of America on XXXX - was taken out a 2nd time on XXXX for the amount of {$750.00} Check number 2 - originally deposited in bank of America on XXXX - was taken out a 2nd time on XXXX the amount of {$420.00} Check number 3- originally deposited in bank of America XXXX XXXX was taken out a 2nd time on XXXX for the amount of {$400.00} Check number 4 - originally deposited in bank of America XXXX XXXX - was taken out a 2nd time on XXXX for the amount of {$500.00}
Consumer complaint received 2022-02-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The banking system is dependent upon fair and accurate credit reporting pursuant to XXXX XXXX XXXX ( XXXX  ) ( XXXX ). My consumer report isnt accurate! And thats not XXXX! You have violated my rights for the last time. The injured party has been in the dispute process for these inconsistencies, inaccuracies and outright fraud on my account for too long with no compliance. 
Disputes have been sent to eliminate the inaccurate account because the date the account was allegedly opened ( which is still reported incorrectly ), the high balance of the account, which is a direct cause for my interest rate being XXXX higher than the nations average. The injured party has exercised their consumer rights to dispute inaccuracies and you have failed to provide maximum possible accuracy in your reporting pursuant to XXXX XXXX XXXX ( XXXX ). Part of the dispute process is disputing with the original creditor and once the injured party did follow through with the process ; XXXX XXXX CARD SERVICES sent me proof of the inaccuracies by stating we noticed inconsistencies with the reporting if the person furnishing the report can notice it why didn't the Credit reporting agencies? This is a direct violation of my consumer rights as you XXXX and TRANSUNION purposely failed to follow reasonable procedures to assure maximum possible accuracy. ( XXXX XXXX XXXXXXXX ( XXXX  ) ) XXXX and Transunion you have pushed the duty to verify onto the furnisher and never did your due-diligence to reinvestigate. Your failure to be fair and equitable with reinvestigations is proof that you have shown neglect in regards to consumers rights privacy. ( XXXX XXXX XXXX ) You will be held accountable!
Consumer complaint received 2020-04-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (FL)

Mailed payment for XXXX XXXX Received call after XXXX XXXX  XX/XX/20 from Homepoint where is the payment? They claimed they never received it. I told them I would investigate. I called them back the next day and advised it was NOT presented and would THEY check their system. THEY ASSURED ME THEY checked everywhere and THEY had no check. THEY ASKED for payment and I gave them another check because of THEIR ASSURANCE to me the check could be found nowhere in their system I issued one with a requirement that if my first check was found they would not deposit it otherwise I would have problems with a potential return for insufficient funds. I asked them to SAVE the call. Well low and behold XXXX XXXX they deposited a SECOND check. That check bounced and I was charged a fee. Then I received a collection notice FROM THEM with a {$25.00} fee and a demand for payment! When I contacted them they were not receptive. In fact rather direct in educating me that's the policy. I demanded review and call back but received neither. realizing they are a debt collector I waited until today and called back. I guess debt collectors can not get out of the mold. I Got the same " education '' and while they waived the fee as a one time courtesy but being cognizant of how they operate they were only intetested in payment.my opinion they REALLY COULD CARE LESS. Basically brushed my concern off.
Consumer complaint received 2023-02-06
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. (VA)

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 XXXX  party involved.Please review the uploaded letters.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (TX)

I am a victim of identity theft and I have notified the original creditor XXXX XXXX and the collection agency Southwest Recovery Services. During my divorce proceedings the judge ruled that this account is not my debt as my identity was used to open this account by my ex-husband. I have disputed this account with XXXX as well and they refuse to remove the account from my file. Account # XXXX in the amount of {$6300.00} opened on XX/XX/2017.
Consumer complaint received 2020-04-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I had a {$500.00} balance on a credit limit of {$5000.00}. I keep it paid on time every month for at least 7 years, NEVER late. Due to the CoronaVirus, when my payment was due on XX/XX/XXXX, I missed it when I was dealing with my loss of job and didn't make the payment online on time. When I realized that it was late, I made an immediate payment of {$100.00}. I feel that it was unfair for XXXX  XXXX XXXX to report this to the credit bureau, which dropped my FICO by 25 points. I have NEVER been late, please!!! remove this from my credit report as a ONE TIME LATE PAYMENT.!. I am begging for XXXX  XXXX XXXX to do this. Thank You, XXXX XXXX
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Knight Adjustment Bureau (UT)

Knight Adjustment is reporting on my credit as of XX/XX/XXXX. As soon as I found out this was on my credit, I paid it. They never sent me my 30 day right to dispute and this puts them in violation. This account is paid and it needs to be removed from my credit report as soon as possible.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OK)

Discover Card is waiting on an irs report, which is fine. However, they have locked me out of my account online from payment or seeing statements. I dont need to use the card just pay the bill. They have no allowed that to happen. They didnt when they locked me out put me on a paper bill. I stopped AutoPay because I cant see whats going on! I dont care about using the card just paying it.
Consumer complaint received 2020-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp. (PA)

After making arrangements to pay the balance, several agents stated they " had not received payment ''. These were in fact sent through XXXX XXXX 
After changing my address and notifying the company of this change, they continued sending correspondence through mail to my old address in XXXX, Oh. 
After retrieving the mail that was sent, I noticed that no notice was given of the threat of repossession in the first place. 
Due to COVID-19, I faced financial hardships after becoming unemployed. 
Deferred payments were denied but this is a definite option, denied without good cause before collection of the vehicle. 
I was offered an opportunity to pay {$1000.00} for the creditor to " hold the vehicle from auction ''. To my knowledge this is false, another representative suggested over {$3400.00}. 
I came up with {$2500.00} to pay the past due balance, but they will not accept this even though it is far beyond the {$1000.00} meant to " hold '' the vehicle. 
The vehicle was taken between XXXX. Only on XX/XX/XXXX was a notification sent, and this was a " Right to Reinstate '' letter along with a statement with a balance due of {$2500.00}. 
After further review, this company has collected debt in an unlawful manner numerous times.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I logged in and checked my account and noticed that it was overdrawn by {$1400.00}. I called and was told by a representative that as a courtesy the gave me a credit of my estimated child tax refund when my account was overdrawn on multiple occasions ( never authorized by me ) and yea hen came to debit it back from my account in XXXX ( Also never authorized by me ) They claim they mailed me a letter but again I never authorized this service or program and how would they know if I was even using my account for tax refund purposes or if I was even allowed a credit this year. I never gave Navy FCU permission to credit, debit or participate in a program that would give me temporary credit. I am extremely upset and now forced to pay back something I never agreed to.
Consumer complaint received 2021-12-16
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. (NY)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2016-11-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (NY)

Today my lender increased my private student loan payment, without my knowledge or consent. As it was before I was struggling to make the payments, and when I tried to reach out for a way to negotiate payments or change the payment plans, they told me that my loan did n't qualify for that. I also think that they might be underestimating how much money I pay in interest on my XXXX
Consumer complaint received 2023-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC (PA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX -Completed limited waiver for all federal loans by XX/XX/XXXX -All loans forgiven on XX/XX/XXXX except for loan XXXX and XXXX, so called XXXX several times and finally got a supervisor who was very helpful and told me what happened to me was unfair and I have what is called hanging loans that should have been forgiven but for some reason were not. supervisor informed me to submit a complaint with DOE. I have sent several complaints to DOE who just say I need to reach out back to XXXX ( just getting run around ) back and forth. 
-I have two hanging loans that have been included with all my loans and forgiven and after they forgave all others they recalculated those loans and now I have to work another 8 years to consolidate those ( makes absolutely no sense ) -I have worked in XXXX XXXX  with qualifying employers for over 12 years.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

TransUnion LLC XXXXXXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kashable LLC (FL)

Kashable was withdrawing funds from payroll account on a bi-weekly basis. I signed a contract allowing Kashable to withdraw funds in the amount of the loan agreement of {$100.00} I did not authorize Kashable to withdraw the amount of {$100.00} I made several attempts to resolve the issue with Kashable. My concerns about my privacy and these unauthorized transactions have me feeling violate. I thought I could trust the company, Kashable, but evidently the records show how they operate business. They are scandalizing my credit score with falsified information. To settle this breach of contract on this day, XX/XX/2020, I am requesting that Kashable settle the remaining balance of : Loan ID : # XXXX {$2200.00} with XXXX amount ( {$0.00} ) owed from the borrower/myself, XXXX XXXX, and also remove anything that is pertaining to their company, Kashable, from all three credit bureaus. 
I have also attached the loan agreement and the documents of payment history that came directly from Kashable website ( kashable.com ) obtain by entering my username and password. I'm greatly looking forward to resolving these issues as soon as possible. I will conduct a follow up within the next 7-10 business days. 

XXXX XXXX
Consumer complaint received 2020-01-02
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: Experian Information Solutions Inc. (MS)

On XX/XX/2019, I disputed some unverified and inaccurate items that i seen on my report with experian. I haven't gotten any paperwork verifying this issue as of yet. please assist me in this matter cause its causing me great grief and stopping me from getting a house
Consumer complaint received 2022-02-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (NV)

we refinanced the house and the company Lakeview but XXXX takes the house payments. Our contract stated that once we signed the paperwork we didn't make payments for the first two months. So we start making our payments and they send back our house payment saying we are behind 3 months and they aren't accepting our payment unless we pay in full ( three months ). We called Lakeview and they say we are good but XXXX says we are behind. We have called Lakeview but they don't seem to have the stuff together. I'm warred about losing my home because of their stupidity. Until we refinaced the home all was good. Since refinancing things have gone down hill. My loan number is XXXX. We would like to get this fixed asap as it also effects my credit rating and my good name. Maybe this company shouldn't be servicing VA loans.
Consumer complaint received 2020-04-07
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. (AR)

Identity theft report from the federal trade commissions report numbers # XXXX, # XXXX. Under the FAIR CREDIT REPORTING ACT Experian is obligated to provide accurate verification within 30 DAYS of being notified by a consumer of inaccurate/ fraudulent related accounts being reported on their credit file. It has been over 60 days and Experian has and continues to violate the Fair Credit Reporting Act. The data furnisher which they use or e-oscar automated verification system only verifies a consumers name, social security number, and address. Any individual who has access to my personal information as such would easily be able to impersonate me and commit identity fraud. Experian has not provided me with any physical documentation obligating me to these fraudulent accounts ( XXXX XXXX XXXX  # XXXX, Office of Attorney General # XXXX. I have provided more than sufficient supporting documentation to Experian but yet these fraudulent accounts yet still appear on my credit file. For the past several months I have be in touch with Experian consumer reporting agency through phone and direct mail regarding fraudulent established accounts appearing on my credit file due to identity theft. I have sent Experian numerous disputes as well as an Identity theft report from the Federal Trade Commission that has included the fraudulent accounts in question. Experian has failed to provide 100 % accurate verification on the behalf as per the Fair Credit Reporting Act in regards to section 605b 609, and 611. It has been well beyond the 30 day time frame from my initial dispute and Experian has either not responded or failed to send me any correspondence regarding my disputes. I have included a copy of my drivers license, social security card, utility bill, and also a request to update my personal information to remove the fraudulent addresses from my credit file. This is a clear violation of my consumer rights as well as the Fair Credit Reporting Act
Consumer complaint received 2022-02-18
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. (FL)

I'm having issues with Experian, XXXX, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of XXXX XXXX they did not have any information on my account because they so-called transferred the account to Aidsurgent which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of XXXX XXXX ignore me, Experian keeps on dropping my score for no reason it has not even been 30 days like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.
Consumer complaint received 2022-02-17
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. (CA)

I am XXXX XXXX XXXX, consumer and natural living person submitting this complaint with no third party involved. 

Experian, specifically Experian 's secretary XXXX XXXX committed fraud on my consumer report. I did not consent, benefit, nor authorize these accounts on my consumer report and XXXX XXXX has failed to provide documentation proving otherwise in the time allotted.