davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

This has been going on for 4 years now. I tried to fix this two years ago, but Bank of America refused to remove the negative remarks from my credit, despite the debt being paid off, and it's affecting my ability to own a home. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over XXXX dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's IP address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about XXXX pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments while the investigation was going on with the police. I have been fighting to remove this for 4 years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the XXXX for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.
Consumer complaint received 2015-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

I AM A SENIOR CITIZEN AND HAVE BEEN TRYING TO SELL MY HOUSE THROUGH A SHORT SALE WITH MY LENDER, XXXX BANK XX/XX/XXXX. I HAVE HAD NUMEROUS OFFERS, APPRAISALS AND COUNTER OFFERS AND STILL CAN NOT GET MY PROPERTY SOLD. THERE IS AN OFFER THAT HAS BEEN UNDER REVIEW WITH MY LENDER SINCE LAST YEAR AND A FEW DAYS AGO I RECEIVED A MOTION FROM MY LENDER 'S ATTORNEY REQUESTING THE COURT 'S ASSISTANCE IN RESTORING THE FORECLOSURE ACTION TO THE CALENDAR. THE FILE WAS SERVICE RELEASE TO XXXX LOAN SERVICING AND WHILE THE REVIEW PROCESS WAS STILL ONGOING, THE FILE WAS SERVICE RELEASED TO SETERUS. THE CURRENT OFFER TO MY KNOWLEDGE IS UNDER REVIEW WITH XXXX SETERUS. SO WHAT I DO NOT UNDERSTAND IS HOW CAN THE BANK AND THEIR ATTORNEY PROCEED WITH FORECLOSURE WITHOUT A DENIAL OF THE CURRENT OFFER? 
MY REALTOR 'S OFFICE INFORMED ME THAT XX/XX/XXXX, A REPRESENTATIVE FROM THE SETERUS CONTACTED HIS OFFICE TO INFORM HIM THAT THERE WERE DOCUMENTS MISSING BUT THE DOCUMENTS THAT THEY STATED WERE MISSING WERE EMAILED TO THE NEGOTIATOR, XX/XX/XXXX AND AS OF TODAY 'S DATE, THERE HAS BEEN NO RESPONSE FROM HER. 
I REALLY DO NOT UNDERSTAND THIS PROCESS AS THE BUYER DID NOT CHANGE THEIR MIND ON PURCHASING THE HOUSE AND HAVE BEEN PATIENTLY WAITING FOR THE BANK TO ISSUE AN APPROVAL WHICH STILL HAS NOT BE DONE. 
THE MOST TROUBLING PART OF THIS SHORT SALE PROCESS IS THAT IT HAS BEEN ONGOING FOR MORE THAN 3 YEARS WITH NO RESOLUTION INSIGHT. MY AGENT HAS ALREADY SENT A COPY OF THE SHORT SALE DOCUMENTS TO THE BANK AND THEIR ATTORNEY SO I REALLY DO NOT UNDERSTAND WHY THEY ARE TRYING TO PROCEED WITH THE FORECLOSURE.
Consumer complaint received 2023-01-14
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. (CA)

Account name : XXXX XXXX  XXXX Date Opened : XX/XX/2016 Status : Paid, Closed. {$58.00} written off. 



To the best of my knowledge, I am unaware of this derogatory mark on my credit report because I have never opened a credit card with XXXX XXXXXXXX XXXX. This appears to be identity theft and should be removed from my credit record as soon as possible.
Consumer complaint received 2020-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Back in early XX/XX/XXXXI opened a CitiBank Savings/Checking account package. It came with a {$400.00} bonus if I deposited {$15000.00} into either account within 30 days of opening. I made the {$15000.00} deposit to the Savings account on XX/XX/2019. I then maintained that balance for over 60 days which was the next requirement. These were the only requirements that were advertised. But hidden in the fine print was that it may take up to 90 days to be assessed the bonus after the 60 day requirement period. And that after 90 total days if any account has a XXXX  balance then Citibank may close that account. Closing the account then voids the bonus because both accounts need to remain open even after the original 60 days until they finally credit you that bonus.

Bottom line is that this an incredibly dishonest way to do business. They tell you that it's fine to fund only one of the accounts with the entire required deposit. But it turns out that in the fine print if one of the accounts has a XXXX  balance after 90 days they'll just close that account and void your bonus that you're waiting on. In reality I completed all the required activities but they have it setup to trick customers to hold funds with them for a few months and then refuse to pay the bonus on a hidden technicality.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (IN)

I was injured on the job XXXX XXXX XXXX I suffered a severe XXXX XXXX due to pilot 's landing badly in XXXX. I have been a XXXX XXXX with XXXX XXXX since XXXX Due to my ONLY income at this time being XXXX from my divorce, and XXXXXXXX XXXX XXXX, I had to move back home to the XXXXXXXX XXXX area from XXXX and give up my dream apartment. I paid for a one way moving truck ( though XXXX ) rental using my employee discount that only should have cost me {$550.00} total if I got the correct truck that worked. That was using my employee discount as well. It is all I could afford at the time. I will include the links of what followed after. They verbally and financially abused me/extorted me and refused to give a full refund. If needed, I will take them to small claims court. But US Bank assured me they would handle it. After getting the initial provisional credit back, I contracted XXXX. I had a XXXX of over XXXX for 3 days straight, and then I was XXXX in the ER due to such extreme symptoms. At this time is when US bank sent me the mail invoices to fax my proof paperwork for all of this. I went to my local branch and had a XXXX named XXXX XXXX in XXXXXXXX XXXX said she would handle it all for me. She faxed all documentation and assured me I would be receiving the provisional credit, and any overdraft fees I incurred due to this would be refunded as well. This was over a month ago. She has since ghosted me. I have went to multiple banks, talked to the fraud department on the phone over 20 times, and nothing. Even when they claim to escalate my issue to be resolved in 72 hours, I never hear from them again. They owe me thousands at this point. I also had my information breached with the XXXX XXXX breach. They refunded me most of the charges that were made, except for the XXXX XXXX charge that was fraudulently made. Both times they reversed the provisional credits from my accounts they were positive. They then charged me over 7 overdraft fees. They refuse to reimburse me for the overdraft fees. I am about to lose my car my dead grandmother bought me and they do not even care. I just need someone to actually care and show compassion for me.
Consumer complaint received 2023-01-14
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. (NY)

In accordance with the fair Credit Reporting act 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 2023-01-14
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

Ive continuously contacted Navy Federal to pay off a charge off I have through direct deposit in full payment of XXXX $ it seems it didnt go through on the XXXX but I have had money in since the XXXX of XXXX bank statement, Ive already let my bank know the exact amount. This payment still hasnt been made. After contacting a second time it still hasnt been posted, the money is just sitting in my account. This is suspicious and concerning, someone tried to put in a check for XXXX it wasnt me and it also didnt go through. It seems as if someones trying to take it out and is someone from Navy Federal. I also went in person to pay it I sat down with a clerk and she didnt not tell me that I would have had to have cash to pay it so I waited and wasted my time for XXXX hours.
Consumer complaint received 2023-01-14
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. (TX)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error.
Consumer complaint received 2023-01-14
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. (VA)

In accordance to the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. After reviewing my report on XX/XX/2023, I have found multiple inaccuracies and violations. The Credit bureaus stated my account for XXXX XXXX Acct # XXXX was properly investigated but how it that possible if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of Last Activity- inaccurate 3.Date opened- inaccurate 4. Account Balance inaccurate 5. creditor remarks Two-year payment history shows XXXX, XXXX XXXX and Experian shows no history. How is this possible if the account is charged off? This is grounds for removal! My rights have also been violated under 15 U.S.C. 1681 Section 602 A which state that have the right to privacy. 15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instruction. I never gave written instruction! This XXXX account on my credit report has XXXX violations.
Consumer complaint received 2023-01-15
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: JPMORGAN CHASE & CO. (UNITED STATES MINOR OUTLYING ISLANDS)

I have XXXX separate issues regarding charges on my account. I received a fraud alert via text message in reference to all the charges made on my account on XX/XX/XXXX ( XXXX, XXXX, XXXX ) I still see the charges. 

I put in for a dispute for the charges from monthly XXXX XXXX ( {$8.00} ) which is the app for the XXXX XXXX on my car starting from XXXX XXXX XX/XX/XXXX I only see XXXX credits. I have not had my XXXX since XX/XX/XXXX it was a lease and I have proof of that. I am still being charged monthly for this. 

I have late fee XX/XX/XXXX even though I have always had a my account in Auto-payment.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (SC)

I relieved a notice by mail this week, letter marked XX/XX/XXXX, that my PSLF application was reviewed by MOHELA and found to be incomplete. The documentation I submitted was complete and accurate following the directions put forth by XXXX XXXX XXXX XXXX. The PSLF process for service members does NOT require XXXX OR PAYSTUBS be submitted for every year served in the XXXX. A XXXX and statements of service to MOHELAXXXX are sufficient according to regulation. I am not missing information so you need to process my application with the complete and accurate information you have in your possession. Stop making department XXXX XXXX employees, service members, go through additional hoops to get the forgives they deserved. I filled my orders and instructions to the letter of the law and its time your company did the same. You state in your letter you were unable to determine that my employer- the UNITED STATES XXXX is an eligible public service organization. ( What? That makes no sense unless the person who was reading and processing my application was a complete and utter XXXX. ) Fix it.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Transunion continues to inaccurately display innacurate employment data on my credit report. The report states that my employer is XXXX which is wrong the correct employer is XXXX, I have repeatedly disputed this information only for Transunion to not investigate anything and reappear on my report. I also included a pay stub from my employer XXXX. I have also requested several time for Transunion to send me information on how they verified info and I would like copy of the proof or verification. They have never sent me that information or proof that I have requested. I have been a victim of credit fraud in past and it took me years to clean the pain from that.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-14
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. (NY)

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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-15
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account. XXXX XXXX XXXX XXXX account. XXXX XXXX account. 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 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

Back in 2011 Had my lawyer case of $ XXXX And had it for 4 months I traveled to XXXX When coming to the United States again Until checked and only {$600.00} Was left in my account I did not make any large purchases And bank withdrew my money I went to bank and did not get any help Or any information on my account
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (MA)

Unauthorized charges on the credit card. when i made discover aware they did not resolve the unauthorized or fraudulent charges. When i called to resolve this issue multiple times, there was no one in the united sates able to speak with me. I was passed around and ignored. The charges grew in interest and discover has refused to ever resolve this issue. They do not respond to phone anymore, they will simply transfer me to debt collectors. The dispute i did with experian was lacking and did not address the identify theft. Please provide assistance! This happened in XXXX. Discover will not provide or allow me access to my account to provide any supporting evidence or documentation
Consumer complaint received 2023-12-05
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. (CA)

Checked my credit report on XX/XX/XXXX. I noticed XXXX inquires on my credit report that I did not authorize. I've called, XXXX XXXX at XXXX pulled XX/XX/XXXX, Credit XXXX bank at XXXX pulled XX/XX/XXXX, Transunion XXXX XXXX at XXXX, XXXX Bank XXXX at XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX pulled on XX/XX/XXXX, Search XXXX XXXX XXXX XXXX pulled on XX/XX/XXXX, XXXX XXXX XXXX  at XXXX pulled on XX/XX/XXXX with no resolve. I'm requesting to have these be deleted from my credit profile. All other inquires are mine. 

I've contacted XXXX XXXX XXXX  several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX at XXXX to remove late payments on my credit report. I was no late on any payments. All payments paid on time. Now XXXX XXXX XXXX  only accepts payments via XXXX XXXX of which I paid my account on time.
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

CREDIT COLLECTION SERV - XXXX