davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Choice Recovery, Inc. (TX)

XXXX XXXX XXXX!!! I hired this company because I'm a XXXX veteran. This company failed to render services for over a year after I paid them up front. I was told to sign a contract that would only last a year upon signing said contract NOTHING was done in regards to consulting or helping me with my VA claim. I didn't hear back from them for over a year and a half and then I was told that I owe roughly around or over {$5000.00}. 

After a year of waiting with no assistance by this organization, I gathered all the necessary documents on my own in order to continue with my case by myself I was then awarded After that I was then getting harassed by email and phone for about 4 months after that I noticed that I went to collections for a service that was not rendered. 

This company is a scam and not only did they NOT provide any type of service to me... but they then SCAMMED me and tried to claim that I had received full XXXX status because of their efforts when in fact they DID NOT assist me even once in this process.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (NY)

I purchased a house through XXXX XXXX. Who then sold my mortgage to BBT. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called BBT and they were to look into it and then they sold the mortgage to Suntrust. I then called Suntrust and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very confused. This reporting is hurting my credit severely and during this trying Covid time I am struggling.
Consumer complaint received 2021-03-23
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. (MA)

I sent a dispute to XXXX, Equifax, XXXX, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.
Consumer complaint received 2021-03-23
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. (MA)

I sent a dispute to XXXX, XXXX, Transunion, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.
Consumer complaint received 2024-03-15
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX, CO XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-03-23
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)

I noticed an inquiry from XXXX on my credit Experian report and called Experian to dispute the inquiry as fraud/identity theft Experian stated since a relative added me to their XXXX card as an authorized user within 30 days that the inquiry was not fraud even though a hard inquiry is not necessary to add an authorized user to an XXXX credit/charge card. 

I further educated the representative XXXX at Experian that the inquiry was indeed fraudulent. XXXX stated that based on Experians policy that he could not remove the inquiry. Pursuant to 15 USC 1681a any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Also, pursuant to 15 USC 1681b consumer reporting agencies may only furnish this information with my written permission which they do not have. 

I did not consent to, authorize, nor benefit from any of the following inquiries, block and remove them immediately : XXXX
Consumer complaint received 2021-03-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION (IL)

On XX/XX/XXXX, I submitted my information to lending tree and authorized them to pull my credit so they could match me with lenders to give me a private party auto loan. Based on my information I was quoted at a 4.4 % auto loan with lightstream.com. Within 5 minutes I completed a formal application and was approved but for a 6.34 % unsecured loan. When I contacted the company seeking the original rate and to ask why it would change so much they said they do not do pre-approvals and the only accurate rate is after the hard pull during their application. I understand that things may change in people credit between the soft and hard pull or a half a percentage point may be adjusted in general but it seems very deceptive to quote such a low rate for one product and then switch it for a different product at a much higher rates. If I knew I couldnt get an auto loan then I would have shopped for personal loan rates instead.
Consumer complaint received 2021-03-23
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: Tower Loan of Mississippi, Inc. (MS)

XXXX XX/XX/2021, I received an inquiry on my credit report from Tower Loan. I called the company to have it removed, only to be forwarded to a prerecorded hang up line. I also contacted XX/XX/XXXX. They sent me here. Please remove this from my credit report. The pandemic has made life hard enough.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2021 Tjx Rewards Platinum Master Card ending in XXXX XX/XX/2021 BP Visa ending in XXXX XX/XX/2021 Amazon Card ending in XXXX XX/XX/2021 Lowes Advantage Card XXXX XXXX XXXX XX/XX/2021 Synchrony Homes ending in XXXX XX/XX/2021 Rooms to go ending in XXXX XX/XX/2021 Care Credit ending in XXXX XX/XX/2021 Amazon Card ending in XXXX Synchrony Closed all these accounts and the reason is high risk of failure to pay which Never late on any of my credit cards ever some had no balance and never been used also the would close an account then they say to apply and they give it back to again just to close it in a month to destroy my credit score.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good morning to all, I always thank you for your help when I had problem famous bank of America. Today I come again beacause with that bank it always a problem for me to understand them. 
Yesterday night I was reviewing some activities on my app and I suspected something wrong, the famous bank charge me INTEREST ON PURCHASES on a cart that I'm not using for more than a year ( since my last problem with them ). 
I prefer ask you for help it is why I don't call them I don't ' believe on their words. 
I could not open my statements. 
I could not access to my transactions for that they are making men pay interest on purchases. 
I don't know if they really fixed my credit the last time.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 6o2 states I have a right to privacy. 15 USC 1681 section 6o4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (MD)

When the Covid virus started i was getting layed off one week here and two weeks there. When the government started doing deferred mortgage payments i contacted Cardinal Financial about doing deferred payments. They granted 3 months deferred payments so i did XXXX, XXXX, and XXXX. I came out of it and starting making monthly payments again in XXXX and requested a loan modification. I never heard anything from them but kept making monthly payment along with multiple call to correct my account. i finally heard from them in XXXX and was told my payment would increase to reflect the missing payment to be spread among the remaining payments on my loan. In XXXX i try to refianance my house with another company and i find out a second mortgage lein has been put on my house through a 3rd party in the amount of the missing deferred payments in partnership with Cardinal. Also the monthly payments i was making wasnt applied to my account until XXXX when the new refinance company started asking for documents. It was put in a holding account and applied all at one time in XXXX which is messing with my interest on filing my taxes this year. Ive called multiple time to correct this but was told it was nothing they could do.
Consumer complaint received 2021-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I applied with XXXX  XXXX XXXX to have my credit limit on my credit card to reflect more money. One of the reasons I was denied was to many credit inquiries on my report in the past 12 months. Before this I have not applied for anything that would require a credit report. This letter I received was XX/XX/2021 2021
Consumer complaint received 2016-12-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I called Heartland on XX/XX/XXXX at XXXX pertaining to a deferment for my student loan account. They said I qualify for a deferment and I would have to pay the interest of XX/XX/XXXX for 3 months. So I receive an email on XX/XX/2016 at XXXX saying I do n't qualify for a deferment. I called them on XX/XX/2016 at XXXX and asked them to remove my checking account information. I wake up today and XXXX was drafted out of my account. I have screen shots of all information and correspondents
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CT)

I signed up for a XXXX XXXX with Barclays Bank, using my existing XXXX frequent flier number. The bank offered a bonus of XXXX miles after spending at least {$2000.00} within 90 days. I met that requirement in less than 60 days, and paid my balance in full. After waiting for the miles to be posted to my account, I contacted the bank, and was informed that the miles had been posted. I then noticed that the bank had an incorrect XXXX frequent flier account on my credit card. I again contacted the bank to inform them that they had the wrong number. After SEVERAL phone calls, I was told that the bank had created a new frequent flier account with the airline, and hadn't bothered to tell me about it, or supply me with a password to access the account. The bank refused to correct its mistake, and I had to contact XXXX XXXX several time to gain access to this new account. Once I finally gained access, I saw that my XXXX miles had not been posted to the account. When I contacted the bank AGAIN, I was told that I was wrong, and that the miles had been deposited. I'm getting nowhere with Barclay 's Bank. I've spent more than 6 hours trying to resolve this issue, but the bank acts with impunity. Please revoke its ability to operate in the XXXX XXXX.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Social Finance, Inc. (OH)

I used to have a checking account through Social Finance ( SoFi ) but switched to a different bank. I asked to have the account and all services associated with the account closed and removed from all communication lists, but I am continually receiving emails from them with credit monitoring reports, information about my " SoFi Invest '' account, etc. I have contacted them at least 3 times, asking each time for them to close ALL accounts on file and to stop contacting me, but I am still receiving these sorts of emails, which leads me to believe my accounts are not actually closed.
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION (MA)

I received a letter ( attached ) " Welcome '' to your new checking account from PENFED Credit Union, which included an ATM card and indicated a balance of {$5.00}. I never opened an account with them, but had an account with XXXX XXXX XXXX with a {$5.00} balance. I thought perhaps they'd changed their name and planned to call and close the account. I never activated the ATM card. However, before I got around to calling, I received a second letter on XX/XX/2021 stating my account was overdrawn by {$1900.00}. I called them immediately to report the fraud.
Consumer complaint received 2021-03-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group (CO)

I have attached the documents that the Moore Law group sent to verify the debt. Once again more flat out lies on their behalf. I asked for an original copy of the signed contract between my self and XXXX. They didn't send anything of the like. Instead they lied and said they provided a copy of the application and signed contract. Please see attached documents. There was no application or contract provided. They also go on to say they will " We are a law firm and have a master agreement with the client, but we will not be producing that to you ''. Lastly, I asked for a line by line accounting of the original account. Their response was We will NOT be providing you with a line by line accounting of the original account. We have provided you with monthly statements that are currently available to us ''. if they in fact are a legitimate law firm they should have no problem providing me with a line by line account. 

I have listed 3 instances of FDCPA violations. The Moore Law group doesn't get to dictate what they will send or won't send to validate my debt. Furthermore, their statement of we provided the original contract is a flat out lie. There isn't anything they won't say or do to try and collect a debt. 

I found it very offensive that they sent me a debt collection letter in XXXX. Just because my name is XXXX doesn't mean I speak XXXX. 

I have escalated this matter to the Colorado Attorney general, any action by the Law Moore group should be postponed until the Colorado Attorney general concludes their findings.
Consumer complaint received 2020-04-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (FL)

Company told us we would have to re-apply for another loan through them to get a lower interest rate. We are currently paying 19 % interest. Florida is considered a COVID-19 Pandemic FEMA State Disaster Declarations and now with a stay home order. They will not help us with out payment of {$470.00} in anyway and are charging late fees to extend the due dates by two weeks.
Consumer complaint received 2022-06-02
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I recieved a 1099-G saying that I needed to pay taxes on {$6000.00} ( unemployment money ). However, I never recieved this money. Bank of America realized there had been some fruad on my account and therefore they began to dispute the charges. All the charges have been disputed and I have been credited for the amount. However, Bank of America does not work in conjunction with the state of Nevada 's unempoyment anymore. They said they need to mail out a check because they can not issue me a debit card for the reason in the last sentence. I requested the first check ( {$2500.00} ) on XX/XX/22 and the check never arrived. We went ahead and cancelled the first check on XX/XX/22. On XX/XX/22 I requested a new check to be sent out again. This check never arrived either and we cancelled this check. We then sent another request for the check to be sent out again but to my parents address. This check request was submitted on XX/XX/22 and it still has not arrived!! I called on XX/XX/22 and they informed me that the rest of the {$6000.00} has been disputed and asked where I wanted this check ( {$3500.00} ) to be sent to and I replied to my parents home ( XXXX XXXX XXXX, XXXX, NY, XXXX ). They mention that the check could take up to 45 days to arrive so I nderstnad that the second check may not have arrived because it is still in that window. However, the check for {$2500.00} should have been mailed to me back in XXXX! I have made 3 attempts to get the money in which I paid taxes and all 3 times I have failed to recieve anything. 

XXXX, I can be contacted here if you need anything more.
Consumer complaint received 2021-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 3RD TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-06-02
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. (NJ)

My complaint because my credit score never been updated on a timely manner My payment history is great however my credit score stop at XXXX score rating as per XXXX score rating which is used by Banks, I want my score to be updated and reflect my Payment history, my score is frozen on XXXX score rating and when Mortgage companies run it it shows XXXX, I'm very confused because my score never been updated for the last 7 months XXXX, XXXX and Transunion never updated my credit score on a timely manner
Consumer complaint received 2021-03-23
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. (GA)

I checked my consumer report and saw that the credit bureaus are committing fraud. As per 15 US Code 1681 Section ( a ) ( 4 ) the bureaus are violating my right to privacy. I never gave them permission to report anything on my behalf. I mailed the bureaus on XX/XX/21 and have saw no response. I am trying to refrain from filing for litigation, but i do no feel like my concerns are being taken seriously by Transunion, XXXX, and XXXX.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union I spoke with them about my credit score. The score they are reporting is much less than the credit bureaus and it does not change. Which they use to determine my credit limit. This is unfair and wrong.