davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX I was attempting to cash an out of town check for {$2900.00}. Teller recommended for me to cash out check and then do a cash deposit into my account to ensure check legitimacy. I did and 3 days later I grew funds from account. On XX/XX/XXXX, BOA automatically debited my account for the same amount although I deposited cash and followed tellers recommendations. I returned to bank and spoke with manager and customer service agents for over 2 hrs. Was told that there's nothing the bank could do.
Consumer complaint received 2019-08-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (IN)

I HAVE BEEN SCAMMED BY DOING WESTERN UNIONS TO 2 DIFFRENT PEOPLE ABOUT TIMESHARES. I PAID {$870.00} ON XX/XX/XXXX AND {$900.00} ON XX/XX/XXXX TO XXXX XXXX. I ALSO PAID {$1400.00} ON XX/XX/XXXX AND {$800.00} ON XX/XX/XXXX TO XXXX XXXX. THESE 2 COMPANIES DID NOTHING FOR ME AND I CAN'T CNTACT THEM. THESE PAYMENTS WERE SENT FROM XXXX 'S XXXX XXXX AND XXXX XXXX LOCAYED IN XXXX. I HAVE ALREADY REPORTED THIS TO THE WESTERN UNION RESTITUTION PROGRAM AND THEY RESPONDED. IT WAS NOTHING THEY COULD DO.
Consumer complaint received 2024-06-11
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunnova Energy Corporation (FL)

I financed a XXXX home generator through Sunnova in XX/XX/XXXX that was purchased from and installed by the XXXX XXXX XXXX located In XXXX, FL. Sunnova filed several ( three ) XXXX financing statements against my property through XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for solar equipment that I never financed through them nor that I have installed on my home. After I filed complaints again Sunnova for the bogus filings, Sunnova terminated the previous XXXX financing statements for the non-existent solar panels and then filed another XXXX financing statement against my property for the generator, even though a representative from the company stated that they do not file such documents for accessory equipment. The representative even badgered me to provide a system ID for solar panels that do not exist. I filed another complaint against Sunnova for the XXXX financing statement that was filed in XX/XX/XXXX for the generator, and the response from another representative stated that the XXXX was not a XXXX and that the company has a security interest in my property for the generator. The financing contract that I had with Sunnova for the generator was for XXXX percent interest for 18 months. My final payment was made on XX/XX/XXXX and the payment was processed on XX/XX/XXXX. I contacted Sunnova customer service via email requesting that the XXXX filing be terminated from my property. The response that I received from XXXX XXXX, a customer service representative, was that the XXXX would be automatically removed. I informed XXXX that it was ironic that the filing was characterized as a lien when another Sunnova representative said that it was not. As of this date, Sunnova has not terminated the lien against my property that was filed in XX/XX/XXXX for their supposed security interest with respect to the generator and associated equipment that were not identified. Sunnova has no valid security interest in my property and has been engaging in these shady business practices with respect to my property for the past XXXX to XXXX months.
Consumer complaint received 2021-08-30
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I paid my payment on the XXXX. Nissan filed it as a principle only payment but it wasn't. I called and they corrected the payment as it should be. Then they charged me a late payment for XXXX. I wasnt late for XXXX or XXXX. I Shouldn't be responsible for their mistake.I work hard to pay my bills on time and keep my credit good. I shouldn't be responsible for someone else 's incompotence.
Consumer complaint received 2019-12-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: SYNCHRONY FINANCIAL (IL)

I received a notification through my credit monitoring service that my account with SYNCB/PPC was closing. The problem was I didn't have an account with them, to the best of my knowledge. I searched their name and dug up that it was somehow related to Paypal, an account I do have but have not closed in any way. In my search, it appears numerous other Paypal customers are being confronted with this issue of having some account related to Paypal in their named closed despite not recognizing the account or having any knowledge of ever having opened a credit account under Paypal. This has resulted in a lowered credit score for myself and others, and it's hard to tell the scale that this has happened at. There seems to be no trail of Synchrony informing Paypal customers of this issue, for myself and others who are reporting this issue across the web. I am concerned for those with more vulnerable credit scores than myself and the ramifications of this issue for them.I encourage others running into this issue to file a complaint with the CFPB to get this issue proper attention.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

XXXX XXXX XXXX have incorrectly reported to LexisNexis that I had a lapse in insurance coverage on XX/XX/XXXX for tenant/property/umbrella/inland XXXX coverage and on XX/XX/XXXX for auto coverage. I contacted LexisNexis and opened a dispute for the case to be reviewed. I also provided LexisNexis via their document upload facility with proof that I did not have any lapse in insurance coverage. LexisNexis mailed me a letter dated XX/XX/XXXX stating that they reinvestigated the case and checked with XXXX XXXX and believe that the information they have is corrected. This is notwithstanding me providing them with copies of the policies and a letter from the underwriter at XXXX that I received via my insurance broker confirming that there was no lapse.
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC (OH)

I received multiple calls from this place today. They also called my place of work and GAVE OUT MY SOCIAL SECURITY NUMBER over the phone to my boss. We have the same first name, so there was confusion. The person who called didn't give the last name of the person they were contacting, so my boss thought the call was for her. The person then tried to get my boss to confirm my social security number. How is this legal??? All they asked was "Is this XXXX" and my boss IS a XXXX, so she said yes. They didn't say a last name, or what they were calling about, before blurting out my entire ssn. I called the number back when I got home and the woman (her name is Mrs. XXXX) was extremely rude and aggressive with me, and made excuses for why they gave out my social to a random person. I have no idea what the debt is even about, student loans or credit card (both of which I'm already paying on).
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

They said the case was concluded and they did not remove the incorrect information I have sent them XXXX letters over the course of two months and they still have not sent me any proof of it being my debt. Also, they took off the original debt company and put the company who bought the debt as the original debt owner trying to get money from me. They are not the original debt owners they are the collections agency saying theyre the original debt collector.
Consumer complaint received 2021-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

XX/XX/12 a XXXX ( IRS form ) was issued to me for a HELOC / 2nd mortgage dated XXXX from XXXX California. 
Ditech aquired my loan approx. XXXX Ditech hired XXXX XXXX Co XXXX to collect on the canceled debt. 
I have spoken to Ditech several times over the years. My tax account has contacted Ditech, explained the 1099-C IRS form to them. Can not collect on a written of debt.

Shellpoint will not release a lien on my property. I have sent copies of all the account transfers to Shellpoint.

They are stating the account number on the 1099-C do not match the account number they have on file. The original account has been transfered to various companies 3 times. I have given this information to Ditech. Now I am trying to refi my home and they want the original amount paid. At this time I am unable to refi do to the illegal lien. 
The debt was written off XXXX- still to this date Ditech is demanding payment.

The statue of collection has expired. Shellpoint has gone as far as to say I have had 2 HELOC 's
Consumer complaint received 2022-09-14
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. (MO)

This is bothersome! The Credit Bureaus have kept reporting the fraudulent information on my Credit Report without properly verifying the disputed accounts and information. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted du to identity theft. I have been submitting multiple dispute letters attached with my complete identifying documents as well as the Identity Theft report I received from the FTC. The items I am disputing does not relate to any transactions that I have made or authorized, neither did I allow anyone to use my information to do transactions on my behalf. I am submitting this CFPB Complaint to request that the Credit Reporting Agencies remove the disputed items completely from my Credit report : 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 Balanced Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. The Credit Reporting Agencies have failed to provide me copies of proof of verification or any documents bearing my signature.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have reached out various times go get this settled and I have not received any information. According to regulations the company has XXXX  days to respond it's been over 45 days now. I have attached proof with the complaint ID and information to show there was no response
Consumer complaint received 2021-08-30
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. (NC)

Experian and ONLY Experian shows 14 accounts that are not mine. addresses phone numbers names and employers that are not mine. They state they mixed up my report with someone else. This has dropped my credit score from XXXX to XXXX! I also can not access their online tools to dispute as I can not pass the verification as none of these accts are mine.
Consumer complaint received 2019-12-05
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: EQUIFAX, INC. (FL)

On XX/XX/2019 I contracted Equifax, XXXX XXXX, and XXXX, about updating my credit report to show that my student loan were closed. I also sent each of them a copy of the letter from the Department of Education, showing that they were discharge. I received a letter from Equifax on XX/XX/2019 that the account were open and accuracy which tells me that they did not read or investigate the letter I sent or did they contact the Department of Education. Amount to be removed or closed account {$190000.00} and {$32000.00} on credit report. The Equifax Confirmation letter XXXX. 

I wrote another letter today XX/XX/2019/ As a XXXX   veteran, I find it hard to believe that I am writing your company once again about updating my credit report. Let be care I sent your company a copy of the letter for the department of education that my loans were closed, as well as forgiven XX/XX/2019. Yet you write me back stating that the information was accuracy, I understand the information about the loan are accuracy, but you have open in good standing on my credit report, and it should show closed. I have contacted the, CFPB, the State Attorney General office as well as the Department of Education to contact your company right away about the problem. I am giving your company one last time to correct this ASAP, and put account paid in full and closed. Before I contact an attorney. 
Base on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Consumer complaint received 2021-08-30
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 had spoked to TransUnion on XX/XX/2021 and XXXX that XXXX XXXX  supervisor gone say that they aint got to to be listen to know FCRA or know body else. XXXX was a XXXX XXXX  talking about dont know laws run his company do what they want and they don't listen 2 nobody. I am like you messin my life up reporting this wrong stuff on my report he like thats you problem I asked him why dey dident accept my Identity Theft report he said cause dey can wait 30 days not no 3-5days and people cant be telling them how the Law work.
Consumer complaint received 2019-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was pre-approved for a purchase on a 4plex with Bank of America and was quoted a 2.875 rate. We then submitted an offer under the impression that if we qualify on the financing we would have a 2.875 rate because of this rate we moved forward to then submit an offer, do our du diligence inspections, and paid for an appraisal. 

Our loan officer locked in our rate, and we were issued an loan estimate ( please see attached ) While sitting in escrow for over 5 weeks, we were told by the loan officer that we are approved for the loan but she applied us for the wrong loan and can no longer honor the quoted rate for a 4plex. Instead the loan for the type of property we are purchasing has a rate of 4.5 % which is a 2 % discrepancy. Even though we have in writing that we had our rate locked and are still within our LOCK RATE time period. 

We are not 5 weeks into this transaction have spend lots of time and money on this purchase, have potentially lost other opportunities. And have been misquote by the bank and applied under the wrong loan. How can a bank LOCK IN our rate and then come back to tell us that they can not honor the rate they quoted us- not based on our financial capacity but due to their error of applying us for the incorrect loan.

We are now seeking help and have escalated this matter up 4 levels of management and have still not been given a resolution.

We are not 2 weeks passed our contingency period and not sure what our rights are and how we are protected as we feel we have been given a bate and switch.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MI)

I contacted the creditors & bureaus regarding these inaccurate inquires on my report. I have not gotten any help I keep calling and calling getting the run around its been months I need this removed ASAP going against my rights I dont even have accounts with these inquires man.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (RI)

I had an issue with American Express. One of my ex employees used my card for unauthorized expenditures. When the informed me that notwithstanding the unauthorized use, I was still liable for the charges I tried to work out an arrangement to pay over time. I was not able to afford the monthly payment amount they offered me so they filed suit against me. The attorney who represented Amex offered me a settlement amount, they said if I paid that amount it would be considered paid in full, the suit would be dismissed with prejudice and it would be a derogatory issue on my credit report. I borrowed the money, paid the law firm and the suit was dismissed. However Amex won't remove it from my credit report. Because of this unfair, deceptive and predatory action I have had difficulty getting credit and I have to pay a lot more in the interest rate. I would like Amex to live up to their end of the bargain and remove the derogatory remark from my credit.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo billed me overdraft fees illegally, and also my money would disappear in my checking account. 

I believe they were still in my money. First happened in XXXX, XXXX, XXXX, second incident started XX/XX/XXXX until XX/XX/XXXX. 

They also did the same thing to my mother 's bank account. From XXXX to XXXX.
Consumer complaint received 2021-08-30
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 have recently sent several letters to Transunion about the reporting on my credit report involving XXXX, not only is this company violating my HIPPA rights this company has also failed to prove and validate this collection account.
Consumer complaint received 2021-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is not a dispute request, but a complaint that my rights as a consumer have been violated under the FCRA because I have not heard anything from the bureaus in 90 days regarding my disputes and I have sent 3 dispute letters requesting an investigation to the following accounts : - XXXX XXXX # XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX
Consumer complaint received 2019-12-05
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. (GA)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed however, I have not been successful.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

There is no account number linked to this negative posting by Portfolio Recovery on my credit report. 

On XX/XX/year>, I noticed that Portfolio Recovery was on my credit report with a balance of over {$8000.00}. I contacted them via certified mail asking who they are, who they are collecting for, and for proof of supposed debt. They received this on XX/XX/year>. 

I received no reply. On XX/XX/year>, I sent a cease-and-desist letter to Portfolio via certified mail. They received this on XX/XX/year>. I sent copies of this letter to XXXX, XXXX, and XXXX XXXX. 

After a month, I noticed that Portfolio was still on my credit report. I provided a second cease-and-desist letter to Portfolio and all three reporting agencies via certified mail. They all received their respective letters in XXXX. 

As of today, XX/XX/year>, Portfolio is still actively reported on my credit report by all three credit reporting agencies. 

Portfolio Recovery is violating federal law by reporting a debt that was never validated or verified. XXXX, XXXX, and XXXX failed to adequately investigate and verify the supposed debt, even after I asked them to do this twice. 

This irresponsible reporting is hurting my credit score. Please have all three credit reporting agencies remove this account in accordance with federal laws. Thank you.