davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (SC)

I have recently been working on repairing my credit and have a collection account on my credit report from National Credit Systems. The account was placed in collections with them on XX/XX/XXXX via XXXX XXXX XXXX. The amount of the alleged debt is {$1400.00} While I do n't agree with the amount, I do know that I left owing a low balance. I had sent a certified letter to have this debt verified and validated and it was received by all three major credit bureaus between XX/XX/XXXX and XX/XX/XXXX but never received validation of the debt. I sent a settlement offer letter via certified mail and it was received by XXXX XXXX on XX/XX/XXXX. As of today, I have not received a response. This derogatory mark is being reported to all three major credit bureaus and is hurting my credit score and is preventing me from securing an apartment for my children and myself. I am asking that this be researched and that they be removed from my credit report, do not contact me in regards to the debt, and that debt be considered as not owed by either former, current, of future parties as all of my attempts to resolve this issue have not been successful.
Consumer complaint received 2023-04-18
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. (MI)

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 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 2022-05-26
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: Synovus Bank (GA)

Synovus is not telling the truth. I contacted them by phone and they have sold my debt to a collections agency, and they are not trying to settle this debt. The collections agency SYNOVUS hired can not keep up with the demand or volume of customers they are assigned to collect from, and it's unfair that I can not reach anyone on the phone to settle this debt. This debt should be written off and I should be allowed to make a fresh start because SYNOVUS has already destroyed my credit and charged off this debt. SYNOVUS should not be allowed to operate in this manner against consumers.
Consumer complaint received 2022-05-26
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. (VA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-27
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: DISCOVER BANK (WA)

I'm XXXX XXXX, and I need your help to get in touch with this company. I tried to contact them to find out why someone had created an account in my name. I regret that my credit report is now being affected by this very serious matter. I refuse to allow anybody to use my name, date of birth, or any other information since it also violates the privacy of personal data. They must find out who opened the account in my name and just give that person my information. Kindly help me with this matter.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting Act, my rights have been violated and the following companies has information that is not 100 % correct on my report. There are several accounts I have asked the company to investigate every time they come back with the solution the information has been updated. The companies I have disputed has been incorrectly reporting dates since charge off for over two years with a balance. Also, I have sent in information to creditors to validate my debt which hasn't been validated. I have asked XXXX several times to properly investigate this matter as well as send me information to whom they have contacted to investigate. None of this has been done it's been about three to four months now and I still have this information tarnishing my report.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (NY)

Since my bank account balance has dropped below {$1000.00} at all times, I have had nothing but issues with the bank. The most recent issue was between pay cycles. Although I opted out of overdraft & turned off my debit card, i still went into overdraft, and was charged 5x. 

XX/XX/30 tier 2 overdraft item charge {$38.00} XXXX XXXX tier 2 overdraft item charge {$38.00} XXXX reoccurring overdraft item charge {$28.00} XXXX tier 2 overdraft item charge {$38.00} totaling {$180.00} this is oppression and unethical.
Consumer complaint received 2021-12-16
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC (NC)

While paying on a Mortgage note with Shell Point Mortgage Servicing owned by XXXX XXXX XXXX Co we fell behind in 2020 due to loss of work precipitated by Covid-19 on the World and as a result entered into a Forbearance agreement, on exiting the agreement we requested to be put into a deferral program but was denied and was only offered a loan modification consisting of higher interest rates and longer term or a repayment plan in lieu of pending and threatening foreclosure, we have been making the regular mtg payments plus some on time for over 10 yrs, we were never late, faced with this dilemma we chose the repayment plan, we were only behind approximately {$10000.00} with good equity and collateral, therefore no risk to Shell point , however we now have to come up with {$4900.00} and the remaining {$4900.00} split over 12 payments plus the regular mtg payment, mind you we are just exiting the forbearance plan due to financial difficulties, we have since been making the new agreed payments on time but to make matter worse Shell Point is reporting us late and delinquent causing further harm when we try to refinance or apply for any kind of loan to remedy the situation. 
We think this action taken by Shell point does extreme harm to its Customers, the Consumer who are already in a precarious and vulnerable situation and been taken advantage of by a Huge Corporation with unlimited options and resources at their disposal to ease the pain their Customer is going through so both will benefit amicable, instead they chose to make the Customers life as financially difficult as possible while their CEO is raking in Millions of Dollars at their Customers demise, expense while inflicting extreme financial hardship on the their Customer the Consumer. 
I hope this info shed some light on this Companys unethical business Practices towards their Customer the Consumer.
Consumer complaint received 2017-07-10
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. (CA)

After reviewing my Experian credit report I found that a debt collection company ( XXXX XXXX ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate  occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.
Consumer complaint received 2017-07-10
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: PMGI, LLC (CA)

After reviewing my XXXX credit report I found that a debt collection company ( PMGI LLC ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Self Financial Inc. (KS)

On XX/XX/XXXX, I inquired of Self, Inc. ( formerly Self Financial ) if my secured card ( at a zero balance ) could be converted to an unsecured card as my credit score had improved significantly. I was informed that Self does not have unsecured cards. As I no longer have a need for a secured card, I made the decision to accept the ding on my credit for an account closure and on XX/XX/XXXX I requested closure of my secured Self card and a refund of my deposit ( {$270.00} ) and received no reply or response. According to the information on Self 's own website, I would receive my refund at my bank account on file. On XX/XX/XXXX I requested the same and again no response. 

On XX/XX/XXXX I was assured by not one but two Self representatives that " the check was in the mail '' ( see attached ). Neither answered my questions of why the funds weren't transferred to my bank account and why I've been forced to request this over and over again. 

Needless to say, I received no check or bank transfer. I've verified repeatedly that both my bank account and my address are correct and unchanged since opening the account. 

I've now confirmed the account is indeed closed and have suffered the expected hit on my credit, but not received the benefit of my refund. 

On XX/XX/XXXX, I again reached out to Self. This time I was promised that the alleged check would be cancelled and I would receive a bank transfer within 2-3 days ( see attached ). As of yesterday, 3 business days has passed and still no refund. I am beyond frustrated at this point and continuing to receive the runaround. 

I've tried literally for two months to assume good intentions of this company but I now have no choice but to assume this is fraud on their part. I cringe thinking of the number of people who either give up on their refunds or flat out forget during these troubling times. 

This can't possibly be a large sum of money to this company, but it is to me. Especially at XXXX time. 

Thank you in advance for any assistance you can provide. 

**I 've tried several times to attach supporting documents but that feature does not appear to be working. The docs are available upon request
Consumer complaint received 2024-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (ME)

On the date XX/XX/year> I expected my direct deposit as usual but this time I was expecting in the Sofi account, gladly my direct deposit arrived in my Sofi account total {$3000.00}. 
A few days later I realized my Sofi account was frozen. And they were notice of me having to call them which they provided me the number on the Sofi app, I called XXXX times in a week. 
The other time I asked the customer service representative that what was wrong they couldnt come up with any concrete explanation or answers. I was only told to stay on but up till now its been a month and counting no solutions, bills are up on me Im getting embarrassed because I have to pay bills.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$900.00}
Consumer complaint received 2017-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

IN PLAIN SIGHT, BANK OF AMERICA PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF AMERICA NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of Americas corruption begins. In plain sight, Bank of America has committed one of the biggest schemes of all time. Bank of America has no standing on our loan and Bank of America was never the lender on our loan. The Chain of Title is broken and the chain of title was never maintained and preserved through the use of formal written documents on our mortgage loan proving Bank of America never financed our loan. Bank of America never bought out our loan. Bank of America never bought out our loan and transferred title. Bank of America placed its name as LENDER on a mortgage loan that Bank of America never ever financed, refinanced, transferred or bought out from another lender. In plain sight, Bank of America placed its name as lender in place of XXXX XXXX XXXX on a In-House modification. Upon requesting Bank of America to correct the In-House modification documents and remove Bank of America as Lender and replace their name with the correct lender, Bank of America tried to do a short sale without our permission and then Bank of America transferred our loan to XXXX XXXX XXXX XXXX in an attempt to cover up wrong doing. A investigation of all consumers who received Bank of America In-House modifications and meet conditions A through G listed below will result in a class action law suit against Bank of America on behalf of all mortgage loans that originated with XXXX XXXX XXXX and meets the following conditions : A ) Firstly, mortgage loan was financed by XXXX XXXX XXXX.
B ) Secondly, mortgage loan was serviced by XXXX XXXX.
C ) Thirdly, mortgage loan was serviced by Bank of America.
D ) Fourthly, Bank of America denied mortgage for a Hamp Modification.
E ) Fifthly, Bank of America did a In-House Modification.
F ) Sixthly, Bank of America put its name in place of XXXX XXXX XXXX as lender on In-House Modification documents.
G ) Seventhly, Bank of America transferred Loan to XXXX XXXX XXXX.
Consumer complaint received 2022-11-07
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have two complaints against Bank of America, both related to a disputed credit card charge.

First is the Banks denial of my claim. Their letter, advising me of their decision, stated that they can not intervene in situations involving a merchants return, refund or cancellation policy. If they had examined my claim with any care, they would have realized that the claim involved more than just return, refund or cancellation. My claim against XXXX XXXX XXXX also involves duplicate, unspecified and vague invoices, coercive phone calls, gross overpricing, and finally threatened retaliation for initiating a dispute via Bank of America. 
Second, Bank of America has failed to send me the documents sent to them by XXXX XXXX XXXX ( after reassuring me that that I would have the opportunity to rebut XXXX arguments with the documents in hand ). In early XXXX, again on XX/XX/XXXX and then again on XX/XX/XXXX, a Bank of America agent said they were sending me all the XXXX documents. Each representative is sorry that I never received the documents, offering no explanation, but happy to send them again. 
I verified my address with BoAthough I do receive other mail from the Bankand also checked with the Post Office for any possible delivery issues.

I struggle to imagine a plausible scenario for BoAs inaction. Friends have offered possible scenarios that I would have thought impossible a few short months ago : -- BoA is acting out of financial self-interest. They are protecting their percentage of the total {$5600.00} charge. 
-- Some anonymous Bank of America employee actually went to my website and was so outraged by my politics, that they inserted a poison message into my file.

-- Bank of America is saving on postage and labor costs for each dispute that is quickly resolved.

-- Bank of Americas delaying sending the documents in order to run out the ninety-day clock on credit card claims. 
I would appreciate your help in obtaining these documents from Bank of America in time for me to buttress my claim against XXXX XXXX XXXX.
Consumer complaint received 2021-12-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-11
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. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2017-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

opened an account with wells fargo and notice lately they have the delaying the processing of the charges to confuse with the balance and become victim of fees, the account was assessed and insufficient charge {$35.00} today XX/XX/2017 and even I deposited the amount to cover the overdrawn which took 4 days to appear {$80.00} but made on the XX/XX/XXXX. I never sign for overdraft protection for this account and in the past when no funds available just do n't pay it. now somehow with the fraudulent staff they have they have turned on the overdraft protection on the account without my consent. and now they are charging the insufficient funds. 
I have tried to send the mails through their mobile website and it freezes when filling the form and when hitting the send button nothing happens, I feel I am being victim of fraudulent tactics by this bank to hurt my credit and profit illegally from me. 
I want to close this account and the insufficient charge reversed. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: EQUIFAX, INC. (CA)

On XXXX/XXXX/XXXX I went into XXXX XXXX of XXXX XXXX in the intention of buying a car. I bought a XXXX XXXX XXXX, signed all the appropriate papers needed to complete the process. I signed the contract, left and was told on XXXX/XXXX/XXXX that I had to call XXXX and clear my fraud alert. I have a fraud alert because I am going through identity theft. I called XXXX the next day and was told by XXXX to go online and continue the process there. I did as I was told but it was not fast enough for XXXX XXXX, which to my understanding XXXX was not able to get funding for the contract. They kept calling demanding, pressuring and threatening me to taking my car if I did n't do my part. I stated that it took 5-7 business days for that process to go through. I was surprised that they let me go with a new car without doing the required process for approval. 
After verbally being told I was going to get the car taken away, I had had it with the company. On XXXX/XXXX/XXXX I told XXXX XXXX that I wanted nothing to do with the company. I told them that I was going to return the car and wanted an unwinding paper stating in the documentation about everything that had happened. The company waited until XXXX/XXXX/XXXX to comply with my demands. They still tried to have me keep the contract but I wished to have nothing to do with them. As of XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX took full responsibility in the issue and stated that they were going to unwind the deal.