davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (NC)

These lenders have accessed your credit file : XXXX  XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX These lenders have accessed your credit file : EXPERIAN EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EXPERIAN BUSINESS CRED Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX
Consumer complaint received 2020-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AAA Auto Title Loans, LLC (NV)

The send me a threatening letter about my loan in default when it is not! 
They say it's from 4 months ago but i gaff paid it? 
AlsoI 'm laid off per the governor I'm a XXXX in a XXXX and they say people are still working! Cleaning crews i guess, they want paperwork that doesn't exist to stop making my valve negative. 
Basically telling me to bad nothing i can do and they'll just keep hitting my negative account costing me a fortune! Help me!
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (PA)

Im trying to access my USBANK ReliaCard. This morning I tried to sign into my mobile banking app and it wouldnt let me so I called ReliaCard. An agent told me that my card was inactive and there was a comment on my account that said to contact the state. I did and the P.A UC said that they did not put a block on my ReliaCard so that I needed to call them back. They still wouldnt unblock my card. Mind you back in XXXX my account was blocked up until last month, XXXX because they had a type in their system with my address. ReliaCard made me fax them over personal information just to get the restriction lifted. I did this for almost 2 weeks straight because every time I faxed them over documents there was a problem. They finally lifted the restriction and was able to send me a card so that I can gain access to the funds that were on there. Now my card is blocked once again and I have no idea why and they arent being any help. I have a total of {$2300.00} that I can not gain access to.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

I made an electronic deposit to my Chase checking account on XX/XX/2020. The amount then posted, it was reflected in my account balance. On XX/XX/2020 my account shows being negative and the debit card is closed. The deposit has disappeared, instead the transaction shows that a withdrawal was made. Chase bank has denied this and has stated that the deposit had been returned. Chase bank then provided me with a fake, joke 800 number to call.
Consumer complaint received 2020-12-24
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. (PA)

This is my third attempt disputing with XXXX, Transunion and XXXX. They continue to violate my rights by including inaccurate, fraudulent accounts that do not belong to me. These accounts were opened in my name without my consent.
Consumer complaint received 2020-12-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Direct Recovery Services, LLC (VA)

Mr XXXX from direct recovery service called me about a debt from XXXX  XXXX. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the XX/XX/XXXX loan of {$410.00} the loan is from XXXX. I called XXXX XXXX to see if I owed them money and it was paid off XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the direct recovery services. Please do what is necessary to stop my harassment.
Consumer complaint received 2020-04-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NV)

Early month of XXXX, we stepped in the market to refinance our rental property. An offer from Amerisave of 2.7 % Interest rate, 15 Years term, got us interested. On XX/XX/2020 we decided to move forward with Amerisave and formally applied through https : //apply.amerisave.com/login with the assistance of an Amerisave Loan Originator. We complied and submitted to Amerisave all request for meeting, documents and informations. Eventually, at the end of intake, as I reviewed the Loan Estimate and Disclosure, they maid us paid the Appraisal Cost of XXXX XXXX which they said will be returned/creditted back upon closing. 

We received another copy of Disclosure and Loan Estimate on XX/XX/XXXX, same information with the initial Disclosure on XX/XX/XXXX. They also made as signed the rate Lock-In Agreement, which is to protect Applicants for any changes in the market. 

On XX/XX/2020, we received another Disclosure with totally different numbers. The interest rate has gone up to 3.25 %, and so as the loan amount from {$120000.00} to {$120000.00}. Everything gone up. They provided us reasons for the change. One is that the type of property is a condo and, not a townhouse. 

I sent out a letter to Amerisave Loan Originator regarding our concern and request. We hoped to update the loan estimate and, eventually, lower the loan amount, but failed to get a satisfactory response, instead, we were asked to either move on or cancel our application. We decided to cancel. 

We believe and feel, that we have been a victim of Bait and Switch. We could have avoided the cost of Appraisal paid to them, if Amerisave reviewed our applications and disclosure properly. This is unfair to us. After we cancelled, I sent an email to Loan Originator, formally cancelling our application and requested a refund of {$470.00} for the cost of Appraisal. We cited our reasons in the letter.. Likewise, a copy of Letter was uploaded to our online application account on XX/XX/2020. Also emailed XXXX of our concern/complain, and attached a copy of cancellation letter and refund request.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

BB&T BANKCARD


Contact
XXXX XXXX XXXX XXXX, NC XXXX
(XXXX) XXXX-XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-03-18
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. (NY)

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX  Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

International wire transfer was made on XX/XX/2021 in the amount of XXXX USD. All the information required for the transfer was correct except for the account number. Mistake in the account number was recognized and a message was sent from the initiating foreign bank talking about the error with the correct account number on XX/XX/2021. On XX/XX/2021, another message was sent from the initiating bank that asked about the whereabout of the money. Finally on XX/XX/2021, another message was initiated asking to return the funds. None of the messages have been replied and calling PNC, the only thing they tell me is that they can't look into incoming wires and I will just have to wait. I would like to know where the money is currently, and the reasons for why it didn't come to my account.
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (VA)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had filed an unemployment claim. Someone had rerouted my XXXX Bank of America Prepaid Card to their address and spent the funds on the card. I was informed of this by Bank of America when I called them requesting info on why I have not received my card. Bank of America immediately reimbursed me the funds. 
Approx. a month later Bank of America closed my account and put my account in the negative stating I was responsible for the money stolen. I filed a claim with Bank of America, In the meantime, the funds XXXX deposited into that account were kept by Bank of America in the amount of {$8100.00}. Bank of America will not reimburse me those funds as they applied it to the negative balance they state I owed them. I reopened the claim, Bank of America requested a copy of my ID via fax, which I sent them. They needed to compare my ID to the picture of the man who stole my original card. They have a picture of the man and my Id and have determined that it was not me who spent the original funds, yet they refuse to reimburse me the {$8100.00} that they owe me. 
I call them daily and they keep telling me to wait that it is not in their hands that it is the fraud department. I called the fraud department and they tell me claims are handling it. I speak with claims and they have just been giving me the runaround. Putting me on hold for an hour to speak with a supervisor then disconnecting the call. I call back only to be put on hold another hour and disconnected. This needs to be resolved.
Consumer complaint received 2024-03-18
Product: Credit reporting 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. (WI)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I checked my credit report and saw a collections account from Portfolio Recovery Associates LLC. I did not recognize the debt and sent a letter to verify the debt on XXXX XXXX, XXXX, and I did not receive a reply. I again sent a debt verification letter on XXXX XXXX, XXXX. I received a reply on XXXX XXXX, XXXX, see attached. that did not contain any verifiable details of the debt. I went to the Portfolio Recovery website and pulled up an account in my name that has no information other than a dollar amount, see attached. 

I would like this debt removed from my credit report since it has not been verified.
Consumer complaint received 2021-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc. (TX)

I entered into a contract with XXXX XXXX XXXX to which a loan contract was agreed to in which they would pay that loan in exchange to use my home as a XXXX XXXX. 
The loan was to be paid by a check paid by XXXX giving me a check for {$1500.00} to pay the {$120.00} into XXXX months and was to be paid XXXX yrs or 60 months which XXXX assured to be paid off. 
I never aware of any loan by Aqua Finance or signed a contract with Aqua Finance. I never consented to an account with XXXX XXXX XXXX. XXXX has closed its office here in XXXX XXXX after moving around to different offices, making it hard to track them down. 
They have XXXX complaints against them with the XXXX and a ( F ) ratingXXXX has vanished. And no longer responding to Emails. All phone numbers are disconnected and are no longer issueing the {$1500.00} checks. I upheld my end of the Bargain and Contract with XXXX and never signed any Loan Agreement with Aqua Finance
Consumer complaint received 2020-04-09
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-10-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I started an application on XXXX XXXX for a cash out refinance and spoke with Loan officer XXXX XXXX at Amerisave. I gave him all the info of how long I lived in my home and when last refinance closed. He stated my application was approved and sent me a loan estimate and conditions that needed to be submitted and stated I would need to pay a {$500.00} application fee before moving forward, in which I paid. While submitting conditions, I researched and had concerns about their approval and asked the Loan officer if I would still be able to refinance since I just closed on loan less than 6 months ago. He stated he would find out and let me know. At approximately XXXX XXXX XXXX, on XX/XX/XXXX, I received a call from Amerisave ( XXXX XXXX ) and he left a message. He stated that would not be able to move forward refinance until XXXX of XXXX after 6 months has passed and he would go ahead and initiate a refund of application fee ( {$500.00} ), nothing further I needed to do. I waited several days then emailed XX/XX/XXXX at XXXX asking about refund to no response. XX/XX/XXXX at XXXX I texted the number he texted me on before and asked for update, he responded and said he would now initiate and will send confirmation soon ( XXXX XXXX ). I have never heard back after 3 more attempts to get update and still no refund after being told on XX/XX/XXXX and XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2020-03-29
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. (PA)

On XX/XX/2020, I wrote to Equifax to dispute what they are reporting on my credit report. They did not send me a response at all. The PO Box mailing address is valid, and my physical address on my ID is also valid, but I did not get any response at any of the addresses. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose to me all of the documents that you have recorded and retained in your file. 
As reiterated in my letter, if Equifax does not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
Consumer complaint received 2021-10-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Prosper Marketplace, Inc. (MA)

On XX/XX/XXXX I went in a settlement arrangement with prosper on my loan. I had a fixed payment due every month on the XXXX. I have paid it religiously every month. This month not only have I had a report on my credit report for a late payment which is untrue but I ha e also called and email asking why that is and asking this to be fix. I went to pay on bill today and my account still shows a late payment, a fee for late fee and the original amount of the payment before the payment arrangement. I signed paperwork in XXXX for this arrangement and I expect prosper to live up to their arrangement with me. I have read all kind of complaint against this company that NO ONE is doing anything about. I expect help with this problem and not have it sweep under the rug! Also I spoke with XXXX a supervisor in XX/XX/2021XX/XX/XXXX
Consumer complaint received 2021-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

ON XX/XX/2021 I SENT A LETTER REGARDING INNACURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECIEVED A RESPONSE YET. I FEEL LIKE IM 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 60 DAYS 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 XXXX YOU CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the Experian credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX  # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice