davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have tried for approximately 3 years to get information on my credit report fixed regarding my federal student loans payment status. My loans were in XXXX in 2019 with a payment of {$0.00}. I then applied for the XXXX XXXX XXXX XXXX and my payments again were set to {$0.00} dollars. Due to my profession I am also in the XXXX XXXX XXXX XXXX which allows me to make XXXX payments even if those payments amount to {$0.00} then the loans are fully forgiven. During the time of the transition into the different loan status the loan showed a missed payment on each of the XXXX student loans. I have explained this to XXXX, Transunion and XXXX. I have provided them with letters showing I never missed a payment because none was due. I have requested them to do a full investigation and not just call the XXXX XXXX, which would include documentation. XXXX of this has been done. How can I be 90 days past due when no payment was ever due. Represetatives for XXXX XXXX are often uneducated to what has transpired. This has ruined job opportunities and made it difficult for me in many other aspects.
Consumer complaint received 2022-05-22
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.
Consumer complaint received 2023-07-10
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: DISCOVER BANK (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BARCLAYS BANK DELAWARE (CO)

I contacted Barclay 's credit card company on XXXX XXXX XXXX I informed them that I am on XXXX XXXX and no longer working full-time and have had a substantial decrease in monthly income. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and unable to work. I requested a payment plan to reduce my monthly payments to {$100.00} until I can start working full-time again. I have never missed a payment with them. They denied my request and stated that I didn't qualify and sent me to credit counseling. I can't afford to pay them {$320.00} a month. I believe they are discriminating against me due to my age as I am XXXX and due to my race as a XXXX woman. I can't pay them what I don't have and I am not working full-time and can't work due to my injuries.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

So I have an account with chase bank in I recently had a XXXX transfer from a friend that owed me money a XXXX  and XXXX days past and the individual went and disputed it with their bank, knowing the fact that this is a valid charge the individual went and disputed it with there bank, saying it was fraud. This is not a fraud charge. This is a complete valid charge. This person knows me and owed me the money. Im really confused on why this individual went ahead and disputed it now I have no access to my funds for my account. I keep on calling Chase to see if theres any way possible to have access to my phones and they are telling me. I just have to wait until the dispute is completed on the XXXX business day. Im just really XXXX  because I have no access to my funds and my check is getting deposited to my account and I feel like he is not helping me out at all trying to have access to my phones. All Im asking is for some kind of resolution.
Consumer complaint received 2023-10-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EOS Holdings, Inc. (VA)

I never did business with EOS CCA XXXX XXXX XXXX XXXX XXXX ). The original creditor was XXXX. EOS CCA reported this debt to all 3 credit agencies and has been my credit report since XX/XX/2020 with account # XXXX. I tried to dispute this debt with all three credit agencies XXXX, XXXX, and XXXX but was just a waste of time and this debt is still affecting my credit score currently. I tried contacting EOS CCA directly but they do not have a number listed anywhere.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2023-07-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: United PanAm Financial Corp. (NC)

this company financed a vehicle that was included in a safety recall XXXX this recall includes information that the airbag inflator ruputure could have cause death or injury to vehicle occupants. this car was sold for way more than value and also it could have caused death to me or family. this loan needs to be removed from credit report for fraud. this information was not made aware at selling of vehicle. all safety and all history should have been released during sales of vehicle.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have the right as a consumer to report In accurate information on my credit report. I have written several letters with no response from the credit bureaus, or any information has been provided on this account. 
XXXX  XXXX XXXX. account # XXXX ( 11 XXXX  XXXX XXXX ) balance amount XXXX opened XXXX XXXX is inaccurate. No account was opened with this company on the date referenced above.
Consumer complaint received 2022-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX  -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.
Consumer complaint received 2022-04-12
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX 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 an account without my written instructions.
Consumer complaint received 2017-05-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (OH)

Comenity Bank holds back payments for as much as 9 days before processing them. I had XXXX cards with them and the payments were always scheduled to go through on a specific date but they payment does not process until a week later. They claim its with my bank XXXX, but I also have XXXX XXXX cards and have never bounced a single payment with them. Comenity Bank has resulted in multiple bounce fees for the last year now.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE BEEN IN ESCROW TO COMPLETE THAT TRANSACTION. BECAUSE OF BANK OF AMERICA 'S INCOMPETENCE, XXXX BUYER HAS WALKED AWAY. ON XXXX XXXX OF THIS YEAR MY REAL ESTATE AGENT FAXED INTO BANK OF AMERICA ALL REMAINING REQUIRED DOCUMENTS FROM THE BUYER. ON XXXX XXXX, XXXX, THE NEGOTIATOR COULD NOT FIND THE DOCUMENTS. FOR A COUPLE OF WEEKS WE WERE ATTEMPTING TO SEND AND VERIFY RECEIPT. THEY BUYER FINALLY CANCELLED. IMMEDIATELY AFTER THE BUYER CANCELLED WE INFORMED BANK OF AMERICA AND WAS FORTUNATE ENOUGH TO RECEIVE ANOTHER BUYER AT FULL LISTING PRICE. BANK OF AMERICA BLOCKED US OUT OF INPUTTING THE INFORMATION INTO THE XXXX USED FOR THESE TRANSACTIONS. IT WAS NOT UNTIL XXXX XXXX, 2015 THAT WE WERE ALLOWED TO INPUT THE NEW BUYER INFORMATION. BANK OF AMERICA DEVIOUSLY CLAIMED THE SALE WAS TAKING TOO LONG AND SET A FORECLOSURE SALE FOR XXXX XXXX, 2015.
Consumer complaint received 2022-05-22
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)

Well first of all let 's be clear, since you are THE LAW that these agencies have to obey, I figured you could get the ball rolling faster than me. On XX/XX/XXXX I decided to look at my credit report, so I downloaded them and I instantly noticed that my SSN is incorrect, My vey next thought " I know this is not GOOD '' and to top it off it's on the credit agency that's most popular one of the three. And then you let a company close an account and then open back up the very same day, 6 ( SIX ) TIMES. And then to top it off I had 70 INQUIRIES from XX/XX/XXXX to XXXX. 70 MISREPRESENTATIONS. That's just for 1 FULL YEAR. That's why I am DEMANDING a " credit file disclosure '' I need to know how far does this incorrect SOCIAL SECURITY NUMBER goes back, And NO ONE attempted to contact me at ANY TIME for FRAUD, to make me aware that my SOCIAL SECURITY NUMBER had been TAMPERED or MY file had been UPDATED just as they had AFTER I saw my REPORT for being DENIED for CREDIT from EXPERIAN MISTAKE. Experian, This is the reason I DEMAND FULL " FILE DISCLOSURE '' XXXX and XXXX has the correct SSN. You don't how that feels as soon as you open your mouth, someone says " YOU'RE LYING ''. for someone MISREPRESENTING you. Whom also never had MY consent.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened a business back in XXXX, right before covid and in XX/XX/XXXX. I tried to buy inventory. I was scammed from the seller online. I always bought inventory from XXXX ever since I opened the business and never had a problem. I called bank of america because I wanted to report it and get my money back. I lost XXXX dollars. They wold n't give it back to me. Neither would XXXX. Not to long after I was scammed, the XXXX  transfer exploit started to happen. I gave bank of america the ip addresses, names, and websites these scammers came from but they did nothing to stop them. They did not press charges or call the cops. I filled out an ic3 police report and called the local police. No one has helped me. These scams are coming from XXXX XXXX XXXX There scamming everyone because of cryptocurrecy mining.
Consumer complaint received 2019-07-27
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. (WA)

This was a joint account. I was co-signer on the account. It is listed as an individual account. Due to some late payments, this account appears as a negative account on my report even though the account is now paid in full.
Consumer complaint received 2022-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (NY)

I tried opening a claim on an unauthorized charge on my account with Avant credit card company back in XXXX of this year, apparently there was a mix up so I again opened and confirmed the unauthorized charge on XX/XX/2022. We're on XX/XX/2022 and I've received no information whatsoever costumer service have hung up the phone on me multiple times.I 'm being charged late fees and interest on a charge I never made. Today alone a supervisor was supposed to call me back and never did. This company is very unprofessional and has the worst costumer service I've ever dealt with.
Consumer complaint received 2022-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AZ)

They call at least 6 or 7 times a day and leave messages in spite of me blocking their number. They have been doing this for months and it keeps me from getting medical appointment updates. I am having to go in and dump messages from my phone. 

I suspect this is the bill for the HSN card where Synchrony has received over {$XXXX} for a {$XXXX} makeup purchase because no matter what I did I kept screwing up the due date. At some point, they need to give us a break. I had finally gotten payments synchronized and then credit companies changed hands with little room for amnesty. And I just couldn't get it back on track. 

If you're charging a late fee every month you get a payment something isn't right.
Consumer complaint received 2022-05-21
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. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 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 fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Consumer complaint received 2022-05-21
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. (GA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report - to this day over 30 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored in regard to my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 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 fill litigation due to the stress caused to me. My information has also been impacted by recent credit bureau breaches within the last year and my information may have gotten into the wrong hands
Consumer complaint received 2022-05-21
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: BARCLAYS BANK DELAWARE (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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 d and purpose.
Consumer complaint received 2022-05-21
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: SLM CORPORATION (AR)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
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 d and purpose.
Consumer complaint received 2022-05-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: General Motors Financial Company, Inc. (IL)

The issue here is the negative late payment placed on my credit report that dropped my credit score. 

The purchase of my XXXX  XXXX XXXX XXXX was financed through GM Financial. Documentary evidence will show that a financed charge was applied in connection with this consumer credit transaction as described in the Truth and Lending Act. 

Pursuant 15USC1605 states that the finance charges " shall be determined as the sum of all charges ''. GM Financial was payed in Full at the time of my signature, so there should be NO LATE payments. 

Gm Financial never notated my account was under dispute pursuant XXXX Responsibilities of XXXX XXXX XXXX XXXX XXXX reporting agencies. 

Gm Financial strategically refused to note my account under dispute.By not doing so they were able to report it delinquent, which then puts them in violation of 15USC1666a Regulation of credit reports ( a ) ( b ) ( c ) for not doing so. 

This is yet another extortionate attempt at collection on their financed lines of credit.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (AL)

Our home was damaged by XXXX XXXX. Our insurance money goes into escrow with Homepoint Financial. We have submitted photos of work completed and previously received reimbursement for work we have had to pay immediately to contractors. Now the mortgage company wants an inspection. We understand ; after making the request for inspection in late XXXX and speaking to many Homepoint agents including XXXX, XXXX, XXXX, XXXX, and XXXX. The initial request was not made or documented by Homepoint according to XXXX. Once made, we never got a confirmation for inspection. We need our funds because contractors must be paid and we have exhausted credit cards, pension funds, and our sons ' college funds trying to cover rebuilding costs because Homepoint will not address this issue to inspect and provide escrow funds.