davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (VA)

Starting XX/XX/XXXX, I contacted the corporate office about the local stores collection procedures. They had the director assign One rep to collect partial payments. This was done, ok until XX/XX/XXXX, a new manager tried to impersonate the assigned rep. After, the assigned rep has refused the payment plan and refused providing contact info for reg director, I believe they have caused erroneous charges in interest and fees putting my one vehicle for a XXXX person in jeopardy of being repossessed.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent the credit Bureaus letter asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 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 2021-01-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am an existing BoA customer ( through XXXX XXXX. I attempted to open a checking account with BoA through their website XXXX XXXX XXXX, and was directed to go in-branch ( not a good idea in the pandemic ). Called to open the account ( also on XXXX ), and go through security questions/verification, recorded disclosures ( no mention re CRA access ) and provide a bunch of info XXXX they already have all of this info XXXX XXXX XXXX. 

All is going along until about XXXX minutes into the call, the rep says the account can't be opened over the phone and that I should go in branch. She clarifies my CRA freezes are the issue, and that lifting them will take 30 minutes to reach her so alternatively I could try calling back. I lift the freezes and connect with a supervisor, who goes through the whole process all over again, only to say that I again need to go in branch or remove ( not the freeze ) but my security alert. The security alert is can't be removed online ( as far as I can tell ) and requires mailing in some form. 

1 ) why is BoA using CRA reports for bank accounts ( no credit ) /where is this use disclosed? 
2 ) why is BoA redundantly asking for all this info that they already have ( via XXXX ), and why were the XXXX accounts open-able online but not the checking account? 
3 ) why is BoA barring folks who have security alerts from opening accounts online/over the phone ( and requiring customers to go in branch )? If this is the case, why isn't this policy disclosed/question # 1 in any of their prompts. 

BoA 's apparent policy that an applicant removed their security alert altogether ( I don't believe the CRAs permit alerts to be temporarily lifted ) or in the alternative go in branch during the pandemic are unreasonable ways of addressing their security concerns.
Consumer complaint received 2020-03-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : BK OF AMER XXXX XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Loan Number XXXX Case Number XXXX XXXX Regulatory Case ID : XXXX PHH Mortgage Services Escalations Department XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is in response to a recent communication from XXXX XXXX XXXX dated XXXX XXXX XXXX, received XX/XX/, in regard to my request for a yearly tabulation of the rearranges. I have attached a response from PHH clearly stating my request and letter requesting additional time to provide me the information we requested. On XXXX XXXX XXXX I received a letter dated XXXX XXXX XXXX  that once again did not address my concerns. I have attached in a PDF communication from PHH stating my request and requesting additional time in order to provide me answers to my request along with the final letter I received XX/XX/, dated XX/XX/2023. The letter dated XX/XX/2023, received XX/XX/2023, did not address my request at all. 
In closing, our property has been posted for foreclosure. The information we ask for seems like it would have been the same information needed to create a trial modification. Understanding our payment after the trial period would be critical to know. As I stated initially, this process has been inconsistent with irregularities to say the least. We scheduled several appointments with our Escalations Manager to no avail and her replacements for the appointments had little or no information to provide and even less resources. 
The entire balance is being charged with no concessions, nor did we request any. We think it is only fair to know what is in the contract. We should have an opportunity to consider everything and sign on knowing what our commitment will be. 
Genuinely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation (SC)

Southern Management Corp intentionally put on my credit report that I made a payment of XXXX on an old account just to make my score go down. It was a flat out lie, they did it because I disputed this account, in which, that is my right. This action made my score go down by 56 points. I then disputed the payment with Equifax credit bureau again, and Southern Management Corp sent in false late payments to make my score drop again. This fraudulent act cause my score to drop almost 100 points all together. I am attaching proof with this complaint, also can you please tell me if I have the right to file a lawsuit against them? Their fraudulent act caused me pain and suffering and my credit reputation.
Consumer complaint received 2020-03-11
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. (TX)

hipppaa and ftc violations sent over 30 days XXXX Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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. (CA)

Hello my name is XXXX XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.
Consumer complaint received 2016-09-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

On XXXX XXXX, 2016 I completed a balance transfer from XXXX XXXX XXXX Credit Card to XXXX XXXX. On XXXX XXXX, 2016 I received a statement that stated I had a remaining balance of {$220.00} and the due date for that balance was XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told I needed to call back on Monday because the office I needed to speak to was closed. I called on Monday and paid the balance of {$220.00}, and was told that my account was paid in full and XXXX XXXX would alert the credit agencies that it was paid in full. I then got an alert saying that I had a charge off by XXXX XXXX for XX/XX/XXXX, even though I paid the amount in full. I have attempted to dispute this 3 times through Experian and have been denied, Currently XXXX XXXX is reporting that my account was charge off in XX/XX/XXXX and XX/XX/XXXX. I have never had a late payment with XXXX XXXX, in fact my credit report shows every month was paid on time, and then I have a charge off in XX/XX/XXXX and XX/XX/XXXX. The first problem being, I paid it in full, the second how can they even put a charge off when I have never been late, and how are they putting XX/XX/XXXX and XX/XX/XXXX as a charge off. I have all the paper work to show that I have paid my account in full and on time. When I have tried to speak with XXXX XXXX the were very rude, and so I also took all of their employee numbers.
Consumer complaint received 2023-01-17
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (SC)

Hi, I submitted credit freezes on behalf of my XXXX XXXX  children with all XXXX credit agencies. Recently, I received written communication from Experian addressed to my XXXX children with the heading " Your Dispute Results ''. However, I am confused because I did not file a dispute, and the only substantive information the page provides is a statement that says " Outcome : Added ''. The single page ( front and back ) does not mention anything related to credit freezes. Moreover, the document does not provide a phone number to inquire about additional information related to these documents. 

I am filing this complaint because I have been trying to call Experian using the automated service for over an hour and have been searching for any way to reach someone by phone. I have tried the customer service numbers provided on their website through my account and through their chatbot ; still, I can not get a hold of someone to figure out what dispute they are referring to on my kids ' account. 

Did someone steal XXXX of my kids ' identities? Is there a reason why they sent me a document that appears to be unrelated to a security freeze for my children? Or, for that matter, how do these companies control virtually every key aspect of our financial lives, and yet I can't reach a live person on their customer service number that they publish? ''
Consumer complaint received 2023-01-17
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Been contacting creditors, bureaus, third parties after 45 days I still have not seen or got a written response. A computer generated response is unacceptable. Remove this bull off my credit file you keep going against the law. Its clear! You guys are not following your written statements so In this matter before things get worse and legal remove these inaccuracies now! I dont even understand how could this happen I didnt give anyone any consent to access my file man XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MN)

Since 2019 and onward, I have and endured issues with incorrect information being on a lot of my personal accounts anywhere from taxes- to medical ( apparently XXXX XXXX XXXX XXXX  ) incorrect addresses and phone number on my credit reports, and collections not belonging to me. Work history on a background check not one was accurate for former or current employment. Ive tried asking for help and did all the freezes and what not but nothing really seems to be coming from it. Please help. 

Sincerest of advanced thanks-
Consumer complaint received 2023-01-17
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

SINCE XXXX WELLS FRGO BANK AND XXXX AND XXXX XXXX XXXXXXXX AND SOME AND SOME HOME CORPORATION LOAN DECIDE BY WELL FARGO BANK XXXX XXXX XXXX TOOK 10, PROPETIES AND XXXX DOLLARS AWY FRO ME SINCE XXXX XXXX XXXX nd the reaerved bankgrnted to me XXXX XXXX and XXXX they thiss bank file complaint XX/XX/XXXX case number XXXX of thiss charges wronful forclosure VIOLATIONS OF GOVERMENT CODE XXXX VIOLATION OF PENAL CODE XXXXINTEREFERENCE WITHH CONTROL VIOATIONS ACOUNTING THISS WELL FARG BANK MANAHER LINK WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTME DEATH IN XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX AND WITH XXXX XXXX REPOERTME AS A XXXX XXXX PROPLMS CAN NOT MANANGE ANDD DEPENDES ON MY SELF .THISS GOVERMEMT AGENCIESS HIREA WANTED WARRANT FEDERALL SEARCH OF XXXX XXXX AS MY WIFE AND ACT AS XXXX AS XXXX XXXX THISS GOVERNTME AGENCIES CHANGE MY GENDER MY BIRTDAY ANND M Y NATINAOLITY AND NAME I HAVE TRY SINCE TRY TO GET HELPBUT IS N VAIN I LIVE IN XXXX XXXX XXXX XXXX IN A TOWN NAME XXXX XXXX XXXX
Consumer complaint received 2023-01-17
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. (TX)

My personal information was used without my permission to open fraudulent accounts below. I have contacted the furnisher and credit bureaus a long with law enforcement about the unauthorized activity. I am requesting this information to be deleted and blocked per FCRA section XXXX Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of education XXXX {$3400.00} open date XX/XX/XXXX XXXX department of education XXXX XXXX {$1500.00} open date XX/XX/XXXX XXXX. 
XXXX Department of education XXXX {$4800.00} open date open date XX/XX/XXXX XXXX. 
Management support XXXX {$3200.00} open date XX/XX/XXXX Fraudulent addresses XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  la XXXX XXXX. XXXX XXXX XXXX XXXX apt XXXX XXXX Tx XXXX XXXX. 
XXXX XXXX XXXX XXXX LA XXXX
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Accounts inquiries from XXXX XXXX in XX/XX/2021 were done fraudulently. I spoke to the trans union several times, who refused to remove. The information can not be found in XXXX XXXX  because the are listed with fraudulent either wrong name or address. I had a total of 6 cards applied for in the same day and Transunion is the only bureau to remove the fraudulent accounts. A police report has been filed but should not be needed as these accounts are unverified and unauthorized as I told them. These accounts should be deleted immediately.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX. 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

I submitted this XXXX, it was not resolved by the company, and I am asking for compensation again. I am very dissatisfied with BB & T and their unwillingness to resolve this issue for me. I demand the financial compensation that I am owed of {$690.00}, listed below. I am more than willing to speak to someone on the phone or email regarding these issues. Laws were broken, and need to be compensated for. 


Upon working with XXXX XXXX XXXX BB & T in XXXX, VA for my loan application and home buying process, I encountered the following issues, and would ultimately like to receive financial compensation for these wrongdoings. 1. I did not receive a loan commitment letter within 30 days of my loan application submissions 2. Extremely poor communication and delays that resulted in closing 17 days later than projected - this was not communicated with me until close to the end of XXXX and I was projected to close XX/XX/XXXX. This caused delays for my seller, as well as my sellers seller for their deals. This also resulted in my paying my rent at my apartment for an additional 15 days since I could not move out on the original planned date of XX/XX/XXXX, and had to change it to XX/XX/XXXX, which cost me {$420.00}. I would like financial compensation for this. 3. Additionally, XXXX XXXX was not specific on what verbiage my mother ( who gave me a gift letter for part of my closing funds ) should use on the gift letter. My mom wrote {$4000.00}, just making sure this would be enough to cover everything. The offer that was accepted denoted that the seller would pay {$2500.00} in closing costs. Since my loan was a USDA loan, and it was written that my mother would gift me {$4000.00} ( since Sue did not specify how we should write this ), the seller ended up only paying {$22000.00} in closing costs, because USDA specifies that I can only receive up to {$1000.00} back after closing. Therefore, my seller got out of paying {$270.00} that was owed to me according to my offer that was accepted and signed. I would like this amount financially compensated as well. 4. I have been nothing but disappointed in the customer service and communication I received from BB & T on these matters. It made buying my first home a very unenjoyable process.