davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, I spoke with the loss mitigation specialist XXXX  regarding issue with my credit reporting. I told XXXX that XXXX was putting on my credit report that I had a Balloon on my Mortgage and the information was incorrect. I let XXXX know that My payments was deferred from Covid and the remark should be a deferment not a balloon if anything. XXXX let me know that a Balloon is kinda like a deferment and that is why it's on there. I begin to tell XXXX  that this is false information because I do not have a balloon and you should not put something on someone credit report if that is not what it is and that is false information. She then let me know that this is the company 's policy. When I ask to speak to a supervisor she would not let me speak to her supervisor and told me she would put in a ticket for one to call me back because her department does not handle credit. A supervisor has still not call me back at this time to try to fix this issue. I have attached the deferment showing that this is not a balloon. Also XXXX should have report payments from XX/XX/XXXX - XX/XX/XXXX reflecting timely payments through forbearance which they did not report. page 5 of the forbearance agreement state that credit report will have this reflected and this was not done as well because there is no data reflecting for those months.
Consumer complaint received 2021-11-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (MD)

On XX/XX/XXXX, I began the process of refinancing the mortgage on a property I own. On XX/XX/XXXX, it was discovered that there is an outstanding balance of {$7600.00} in fees that must be satisfied at the time of closing per the refinance. Being that I had no knowledge of such fees, I contacted my current mortgage company, LoanCare c/o XXXX, on XX/XX/XXXX to get more information. A LoanCare representative researched my account with another colleague. After returning from a long hold, the rep explained the only information they could find about the fees were they are labeled as " preservation of property '' and were transferred to LoanCare when they acquired the loan in XX/XX/XXXX. Other than that, there were no specific dates of the fees charged, whom the fees were owed/paid to, or any other information associated with the fees. Unsatisfied with the result of my first call, I contacted LoanCare again on XX/XX/XXXX. I spoke with a different representative which told me the same thing as the first rep. Unable to get any sufficient details regarding the fees, I called again on XX/XX/XXXX and was told the same thing as the first two reps. And, the third rep advised me to contact the former mortgage company, XXXX XXXX, to understand the fees charged. Unfortunately, I'm unable to contact XXXX to get the details of the fees as they have dissolved business. 

Dissatisfied with the lack of details surrounding such costly fees, I sent an error of resolution request letter to XXXX on XX/XX/XXXX.
Consumer complaint received 2019-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

My wife and I have been victims of fraudulent activity because the Dept of Personnel Management under President Obama allowed our personal information to be stolen through their negligence. Since that time my wife has suffered additional fraud by someone changing her address at our bank and causing bank account information to be moved to XXXX, FL to a sham storefront business ( 3x )!  I recently received a notice from XXXX asking if I had closed an account ( I didn't ) : " Hey XXXX, It looks like your XXXX/XXXX  account on your Equifax credit report was recently listed as closed. '' I had to do a XXXX search to find out who that was and it was XXXX closing an account they had opened and tried to get me to use but I never did. But their closing of the account lowered my credit score EVEN THOUGH I NEVER USED IT and all my credit agency accounts have been locked! I don't know who reported this as a negative impact, but how can my credit score go down, if I never owed any money on that account?
Consumer complaint received 2021-11-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XXXX XXXX XXXX XXXX which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Consumer complaint received 2022-05-20
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (CA)

On approximately XX/XX/2021 I spoke with Navient about refinancing to lower my interest rate. They said they could offer a lower rate and I accepted. However they did not make it clear that they were refinancing it out of a government loan program into a private loan, which means it was now longer available for IDR ( income driven repayment ) and IDR loan forgiveness. They did send me one or two items relating to my credit score disclosure but they never provided me with a copy of a promissory note to sign or any loan disclosures stating that it was no longer going to be eligible for IDR. I don't remember this being anything that was discussed with me at all either. 

My loans are currently with Navirefi.com now. I do believe this is an illegal loan and an example of predatory lending as I was never made aware of these facts, and was surprised to see my loans move into this navi-refi portal. I simply asked for a lower interest rate, not for a completely different type of loan. Apparently there is a different way to refinance these loans which is confusingly called a direct refinance. By not providing written information explaining that I was refinancing to a completely different loan program, I do believe I was purposely mislead and I do believe fraud was committed.
Consumer complaint received 2019-11-22
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: Experian Information Solutions Inc. (VA)

Experian said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (MI)

Complaint, XXXX and XXXX against XXXX and Wells Fargo for illegal collection practices. 

I submitted complaint against XXXX and demanded to verify why I was charged for {$490.00} for property taxes if I paid for them from my own funds. 

On XX/XX/2022 " XXXX XXXX '' sent me a letter telling that they received a return from XXXX XXXX office and purportedly forwarded it to fake " servicer '' XXXX for deposit. Which was a lie because XXXX made this check payable to Wells Fargo Bank, not to XXXX. 

According to the XXXX XXXX she cant imagine why XXXX made it payable to Wells Fargo, because Wells Fargo doesnt usually go through XXXX Tax Service they make their own request for tax bills. 

I demand disclosures why XXXX made this check payable to Wells Fargo bank ; which individual employee at XXXX made this deposit ; why Wells Farge collects checks with refund for my property taxes ; which aurthorized employee at Wells Fargo received and deposited this check ; and a copy of the ledger for the account receivable, with the name of the owner of this Account receivable, which can evidence that this check was deposited.
Consumer complaint received 2022-05-20
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. (GA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The XXXX and Equifax has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I was told once I complete the XXXX XXXX XXXX Program, my student loans accounts would be out of default, and ALL NEGATIVE information would be removed. Only 3 accounts were removed and 2 remained with ALL NEGATIVE INFORMATION. Please remove these accounts. I were told ALL INFORMATION WOULD BE REMOVED FROM THE DATABASE.
Consumer complaint received 2021-11-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I was told once I complete the Student Loans Rehabilitation Program, my student loans accounts would be out of default, and ALL NEGATIVE information would be removed. Only 3 accounts were removed and 2 remained with ALL NEGATIVE INFORMATION. Please remove these accounts. I were told ALL INFORMATION WOULD BE REMOVED FROM THE DATABASE.
Consumer complaint received 2022-10-12
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-12
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. (NH)

In XXXX of 2022 I submitted a validation request to XXXX XXXX. I Never received a response. I then sent Transunion a letter to either validate the alleged debt or remove to it. Transunion did nothing. This is an FDCPA Violation, FCR Violation and HIPAA violation. Ive included the correspondence as well as the credit report.
Consumer complaint received 2022-05-20
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. (SC)

XXXX XXXX XXXX An Amount {$20.00} Dates XX/XX/2022 In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-20
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. (SC)

XXXX XXXX XXXX An Amount {$20.00} Dates XX/XX/2022 In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-01-31
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Collection Systems, Inc. (WA)

my personal information was used at XXXX  XXXX XXXX college to receive financial aid for classes I have never enrolled or attended classes at the institution in question and a {$1500.00} debt was placed in collection on my name I have contacted the institution and they notified me of the fraud and have notified the debt collector of the fraud and online classes was taken from a person in Florida I do not reside in Florida nor have I ever been to Florida I live in Washington state and had no prior knowledge to the transaction until XX/XX/2019 when checking my credit report I spoke with XXXX XXXX at XXXX  XXXX and she notified me on my steps to take in getting the collection off of my account and getting a police report filed for fraud this collection has effected my credit score and has made things very difficult to me as a XXXX year old student which is why I am filing this fraud report to retain my information and clear up records of fraudulent behavior
Consumer complaint received 2019-01-31
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

on XX/XX/XXXX I applied for a XXXX XXXX Rewards card while at the airport after I saw the advertisement. I did not see an email acknowledgement so I continued on with my travel and assumed the application did not go through. On XX/XX/XXXX I tried to apply again for the same XXXX XXXX and this time I received an email stating they would get back to me on my application. I called when I did not receive a reply to my application after a few days. My Credit Report is clean and I subscribe to XXXX for their services. It shows that XXXX did check my credit on one occasion. I have a credit score over 800 with no credit issues. When I called I was told that my application was declined due to too many requests for credit or opened accounts with XXXX. I tried to escalate my requests with XXXX and at the same time explaining what had happened. I was transferred many times with everyone basically saying they were sorry and they couldn't help. All my calls were to off shore call taking agencies that at times were difficult to understand and they had issues understanding me. XXXX relied on a report from Equifax who I called and they said it was up to XXXX and I should try and explain what happened. Again another off shore call taking company. No one attempted to resolve the issue or bring it to a conclusion. I wrote a letter to XXXX about the credit card service I received. I am concerned that XXXX will leave this on my record with them which I know to be wrong.
Consumer complaint received 2022-05-20
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. (AL)

n accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-20
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. (AL)

n accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-11-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc. (VA)

I received a letter in the mail claiming that I owe debt to a creditor for my daughter that was sent to ONLINE Information Services ( dba ONLINE Collections ). I called the debt collection company to get their professional license number and they refused to give it to me. Also, when they tried to verify my account info and asked for the last XXXX digits of my social security number and my daughter 's date of birth, the information they have on file was incorrect. Further, my first name on the letter was spelled incorrectly. 

I believe this is a fraudulent company and a scam to collect personal information on me.
Consumer complaint received 2023-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2022, I purchased a XXXX  XXXX XXXX lawn mower, along with a XXXX protection plan from XXXX XXXX Improvement store in XXXX XXXX NC. The total cost, ( including tax ), came to {$2600.00}. I made a {$400.00} down payment, and the balance, ( as I found out later ), was financed through Synchrony Bank. After careful consideration, I returned the lawn mower to XXXX on XX/XX/2022, and my {$400.00} deposit was returned to me in cash. Since the protection plan was included in the total bill, I had no reason to think that the protection plan was not cancelled as well. 

In XXXX of XXXX  I began receiving invoices for the protection plan. I have been trying since then to have the protection plan cancelled and the balance on my account returned to XXXX. I was advised that the protection plan was cancelled XXXX. 

I did not owe XXXX anything prior to the purchase of the lawn mower, and I have been getting nothing but a run-around, monthly invoices increasing the amount due, and threatening statements regarding the damage to my credit profile.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

My debuts card was used by someones fraudulently. I even got a chase fraud alert for that transaction at XXXX XXXX XXXX. The card was also used for playmakar at the same time. Chase bank refuses to give me my money back. I filed a claim in XX/XX/2021. It was closed within two weeks saying it was not fraud. I told them I will proved your profs I have even filed a police report about identity theft they reopened my case. They asked me to keep calling them every week that soon decision will be made, now on XX/XX/2021 Im told that the case has been closed and you will not be getting your money back and its like around {$300.00}. I would like consumer help to please help me get my money back that were a fraud
Consumer complaint received 2023-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I've been with Bank of America for over 10 years, and all of a sudden I'm not able to get my funds they restricted my for no reason but will not allow me to get my funds from a branch I have to pay bill and they are telling that I have to wait for 3-5 business days not acceptable can you help, I don't deal with fraud activity not move large amount of money in or out my account. Come in to the branch XXXX at XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX, tx XXXX to be disrespected by the branch manager
Consumer complaint received 2021-11-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bread Financial Holdings, Inc. (MA)

I have missed a few payments from Comenity Capitol Bank and I received a voicemail stating if I dont call them back they are going to place a warrant out for me. That is illegal and not allowed under the FCRA.
Consumer complaint received 2022-10-12
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America was court ordered to reopen previously denied fraud claims, and place a provisional credit on the account if not resolved in 10 business days, and completely resolved 45 days, prohibiting them from freezing California edd cardholders accounts without warning or sufficient evidence of fraud. Two claims I had, denied ( {$300.00} & {$500.00} ), nine months later were reopened without my knowledge. ( XXXX XXXX ) They failed to place the provisional credit after 10 days, and now with 43 days into the court ordered reopening of the claims, they froze my account without warning OR explanation. So when day 45 comes and my account is frozen, I do not get the money they stole in the first place. It's the banks policy that the customer is entitled to the funds if not resolved in the specified amount of time. Today XXXX, and yesterday XXXX I spent a total of 12 hours and 39 minutes on the phone to be continuously lied to by Bank of America, who refuses to acknowledge any court orders. Please help, thank you.