davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (MN)

Edfinancial added a missing payment to all of my XXXX XXXX once they transferred. I missed three payments in XXXX due to XXXX XXXX failing to contact me about the end of deferment ( They had my XXXX address ). Now with the transfer Edfinancial added a missed payment for XX/XX/XXXX even tho I only missed XXXX, XXXX, and XXXX of XXXX. I'm just a poor XXXX XXXX old trying to buy a house for my family and XXXX XXXX XXXX  companies keep ruining my credit.
Consumer complaint received 2022-03-22
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. (GA)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXIA FINANCIAL, LLC (WA)

I refinanced my condo mortgage earlier this year through  Axia Financial. My loan officer  was  XXXX   XXXX .  <P/> I was given a rate ( that I was told I was locked in at with no other stipulations ) and terms of the loan refinance and the ball was in my court to follow through with the actual signing to close the deal.  <P/> When I followed up to go through with the loan refinance I was told that the window for locking in the rate had passed and that I would have to pay {$500.00} + dollars to keep the rate that I was quoted previously, when I had not been told this time deadline previously. At the very least that seems shady.  <P/> Moving forward, the first notary that was sent to my house had the wrong loan terms.  <P/> Next, I was told that I would get a roughly {$2500.00} check back from my old escrow. I received a check for only {$300.00}.  <P/> On top of that I have now spent countless hours of my own time calling into my new bank because the insurance given to the new mortagage bank was incorrect and I ws told that my personal content insurance and property taxes would be handled through an escrow account, which I paid. Now my mortgage bank,  XXXX  is telling me I do n't even have an escrow account.  <P/> On top of that, I was told multiple times by  XXXX   XXXX  that I was insured and that my escrow company had the money to pay my insurance. I was sent a letter from  XXXX  that I was insured. When I was in fact not ensured because  XXXX  did not pay my insurance company. To further complicate the matter during that time I had a {$3000.00} mtn bike stolen.  <P/> I have since learning about the fact that I was not insured purchased my own insurance and have spent countless hours on the phone with my insurance company, my bank and none of the information that anyone has received through my refinance process has been correct and now I am left to sort it out.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I applied for and received a Bank of America  Travel Rewards c redit card. They claim that during the online application process I transferred a balance from another credit card at  XXXX . I DID NOT. Now I have a {$12000.00} balance at Bank of Americ a ( they  agreed to waive the transfer fee ) and a credit balance at  XXXX  of {$11000.0 0} ( they t ook out the {$1000.00} balance I had at the time ).  <P/> I can not get Bank of America to transfer the money back to  XXXX  and   XXXX   accounts are frozen due to a " fraud incident '' so I owe the balance because neither bank will work with me and in the meantime, I will be charged interest on {$12000.00} that I DID NOT transfer and do not have the cash to pay it off.  <P/> I am going to pay my balance with Bank of America but not the supposed " balance transfer ''.  <P/> Please tell me what I can do at this point to prevent the interest or put a lock on these accounts so that no further interest is charged until this has been resolved.  <P/> Thank you!!
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (OK)

Ally Financial has been charging a fee for late payment when I have been paying the amount due as shown on the online summary. So instead of allowing me to pay for the amount due and also any additional fees on the account they only allow the amounts paid to apply to the principle and do not tell you or advise you that any overpayment is only applied to principle and will not be applied to fees. They then XXXX fees based on the original infraction without telling you.
Consumer complaint received 2021-04-15
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 — Problem with personal statement of dispute
Company: ATLANTIC HOME LOANS INC. (FL)

they sold my mortgage to another company this being the 3rd time my account get sold to another company. Between the last two I had the issue. XXXX is the people that sent the negative credit report. 
1. XXXX XXXX XXXX 2. Atlantic home loans 3. XXXX XXXX  I had my account on auto pay and they didnt talk to me before reporting they said they tried to call and write letters. I never got neither. They werent able to communicate with me at all. 

Why would they sell account with auto pay connected I found out by accountant running my credit score. He provided me with report I contacted XXXX and payed full past due amount and the following mnth as well and set up autopay again XXXX XXXX is the company that reported it I havent really getting much help on this from none of the companies
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

J.P. Morgan Chase Bank first put a restriction on my Chase checking account then without giving me a legitimate reason they closed it and gave me the lame excuse that " They could no longer maintain my account '' and had the right to close it without notice! This is unacceptable since I had that account for many years since 2004. They explained that it was a " corporate decision. '' I later read online that the reason they might have closed it was to eliminate arbitration and lawsuits from consumers. This is an illegal and unfair practice.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (GA)

AmexReward Card - Sweep I spoke with various customer representatives in four different occasions.

1. Representative 1 - Per their card agreement there was nothing they could do because the funds had expired.

2. Representative 2 - Transferred me to their supervisor who after I mentioned that I had read their card agreement and was seeking a replacement card hang up the phone.

3. Representative 3 - asked me to pull the same agreement from the internet and told me funds were expired. In the same agreement, I referred her to the paragraph below : Escheatment : Under certain states laws, if the Card is not used for a period of time, we are required to pay the unused funds on the Card to the state as unclaimed property ; if that occurs, we may deactivate the Card, but we will make the full unused funds available to you at your request and will provide you with a new card. For these reasons, if you attempt to use the Card and the Card is declined, do not assume that there are no funds left on the Card. Please check your Available Balance and call Customer Service for further assistance.

4. At the point she transferred me to her supervisor. He once again, quoted the agreement but once I pointed out the section below he failed to acknowledge the process for processing my type of request and said it was nothing he could do.

I asked if there was anything other information or number to another department but he said it was none.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AR)

I have membership with all three credit bureaus agencies Experian, XXXX and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay Experian {$4.00} each month for credit plan, I pay XXXX {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AR)

I have membership with all three credit bureaus agencies XXXX, Equifax and XXXX. Who allow me to dispute incorrect information on my credit reports. I pay XXXX {$4.00} each month for credit plan, I pay Equifax {$4.00} each month for credit plan. I also pay XXXX {$24.00} each month for credit plan. I dispute student loan on my credit report that should be closed and not open. Because XXXX month ago I file complaint against XXXX XXXX XXXX XXXX. About me owing {$45000.00} in student loans. I feel I have been taking advantage. By me being XXXX man who was held back in not graduating with XXXX XXXX  degree. Who only borrow {$5000.00} student loans. It fraud. Something using to hold me back from accessing good credit.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I need to have my name and address corrected on my credit report. My name is XXXX XXXX XXXX XXXX my DOB is XXXX my Social Security is XXXX. I live at XXXX XXXX XXXX XXXX OHIO XXXX. I AM SELF-EMPLOYED OWENR OF XXXX   XXXX XXXX. PLEASE REMOVE ANY OTHER NAMES AND EMPLOYERS FROM MY CREDIT REPORT THEY ARE NOT ACCURATE! THESE ADDRESSES THAT APPEAR ARE NOT MINE PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX OH XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

We are currently delinquent on our Mortgage and are in Final Stages of Approving a Short Sale. With our financial troubles we went to refinance our auto-vehicle to reduce the interest rate and were advised that our Mortgage Lender is reporting Foreclosure Status. This home has never had a Foreclosure Sale Date ( it should only be reporting as delinquent ) This predatory report of inaccurate information is now hindering efforts.
<P/>
Our Bank said they could have refinance with us being delinquent ( which is correct ) but now can not due to it stating it is a Foreclosure. This home has not Foreclosed and has never had a Foreclosure Sale Date on Calendar.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi, I had a hard inquiry on my credit report from a third party ( XXXX ) who according to them was making the inquiry on behalf of my student loan company ( XXXX XXXX XXXX XXXX ). I do n't even think I have a loan with this company unless they go by another name, but I have not defaulted or paid late at any point and they never notified me about reasons to check my credit report. Around the same time I was looking for apartments and my credit score went down due to the hard inquiries from the student loan and my landlord. Is the student loan company allowed to do this for no reason and without notification?
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Consumer complaint received 2021-03-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a RV Loan with XXXX XXXX  that was initially in XXXX. In XXXX, XXXX XXXX  offered its clients the option to participate in a XXXX deferred payment plan. I participated in the plan for the months of XXXX, XXXX, XXXX and XXXX. At the moment clients are enrolled in the plan, I was not notified that it would withdraw me from the automatic draft. As a result, a late payment in XXXX is being reported on my credit file as well as late payments for XXXX, and XXXX of XXXX. I was equally disturbed that my credit file indicated that a late payment was reported 30 days late for the same month of XX/XX/XXXX. For me, this was is a concern, as it is not possible to be 30 days late within the same month. Indeed this represents an error. 
I was enrolled in the automatic draft ACH payment and was told, XXXX XXXX  was unable to process a payment in XXXX, XXXX. XXXX XXXX  indicated that they made an attempt to contact me via phone as this dis-enrolled me in the automatic draft system. XXXX XXXX  did not indicate the reason why the draft was not completed, and also did not suggest or prove that it was due to insufficient funds. I did not receive a call, nor did I receive a letter that I was not enrolled in the plan and as such, XXXX XXXX did not withdrawal the proper payments from my account and thus reported my account as being late to the credit bureaus. XXXX XXXX  indicated, that they sent mail during the pandemic, however US Mail delivery options were often reduced, limited, mis-delivered, or any mail not sent via certified is not guaranteed delivery during the pandemic. 

Attempts to contact XXXX XXXX during the height of the pandemic were met with multi-hour wait times, call disruptions, disconnections or being transferred to multiple specialist with further call cancellations. As of XX/XX/XXXX, I had to call and request a digital copy of the deferment letter.
Consumer complaint received 2019-06-24
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: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2019-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (FL)

On XX/XX/XXXX Unifund CCR, L.L.C. ( a/k/a Unifund ) contacted me and confirmed that their communication was from a debt collector, and included billing statements from XX/XX/XXXX XX/XX/XXXX. Unifund was attempting to collect a purported {$9900.00} debt owed to Distressed Asset Portfolio III, L.L.C.  who purchased the account from XXXX XXXX XXXX, XXXX. ( i.e., XXXX XXXX XXXX  ). 
On XX/XX/XXXX I spoke with XXXX XXXX in Unifunds XXXX Call Center and explained that on XX/XX/XXXX I filed an Affidavit of Identity Theft, pursuant to 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act [ 15 U.S.C. 61681s-2 ], with XXXX Customer Fraud Protection. 
On XX/XX/XXXX and again on XX/XX/XXXX I wrote Unifund requesting validation that I was the responsible party for the debt to XXXX  XXXX Services ( a/k/a XXXX XXXX XXXX ) and, in turn, to Distressed Asset Portfolio III, L.L.C.,  and/or the debt actually belonged to me. 
On XX/XX/XXXX, I received a letter from Ms. XXXX XXXX XXXX, Unifunds Legal Counsel. The letter merely replicated the same material that Unifund sent on XX/XX/XXXX and failed to produce any contract with my signature but continued demanding payment of {$9900.00} to Distressed Asset Portfolio III, L.L.C. that was being collected by Unifund. 
These repeated demands for an unknown, unvalidated, debt coupled with someone who was purportedly acting as Unifunds attorney was beginning to appear as an extortion rather than a bill collection for a fair debt that was owed. 
On XX/XX/XXXX I received a letter from Unifunds attorney ( i.e., Mr. XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. of XXXX, KY ). Mr. XXXX cited several Federal Court Cases all leading to a continued claim for a {$9900.00} debt that I supposedly owed to Unifund. 
Among the citations Mr. XXXX wrote included : verification of a debt involves nothing more than the debt collector is claiming as owed. If verification only needed to be what a debt collector claims is owed, it would disregard validating if the debtor is the person responsible for the debt versus merely identifying anyone and verify billing statements were sent ( i.e., guilt by accusation ). 
Validating that I was the person responsible for the debt was the issue ; that didnt occur in deference to demanding I pay {$9900.00} to Distressed Asset Portfolio. 
On XX/XX/XXXX Mr. XXXX, representing Unifunds position, sent an e-Mail, where the Subject line read XXXX XXXX XXXX, stating : Mr. XXXX I consider our correspondence on the matters you raised in your several letters and my response letter to be over. However, his phrase was over was undefined, unexplained and/or not specific as to what matter was over.
Consumer complaint received 2019-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

OnXX/XX/XXXX,three(3)fraudulentchargesweremadetomyCITIBankAAdvantageExecutiveMasterCardatthefollowinglocations:{$5400.00}--XXXXXXXXIL{$840.00}--XXXXXXXXXXXXXXXXIL{$780.00}--XXXXXXXXXXXXILTOTAL:{$7000.00}AtXXXXonXX/XX/XXXX,Ireceivedatextnotification(detailsincludedinattacheddocumentation)askingmeifIattempted{$1900.00}atXXXXXXXXXXXXXXXXwhichIimmediatelyresponded"2''(NO).Ithenreceivedanauto-responsetoopenafrauddispute,whichIdidinlessthan1minute(detailsincludedintheattached)afterreceivingthemessage.

IspokewithafraudspecialistatCITIfor7minuteswherewewereabletoidentifytheaforementionedthreechargesthatwereNOTauthorizednormadebyme.Thefraudpreventionspecialistthenshutthecarddown,mailedmeanewcardandassuredmetheclaimswouldbetendedtoimmediately.

OnXX/XX/XXXX,IreceivedaletterfromCITI(detailsintheattached)informingmethattheydidnotconsidermydisputetobefraudulentactivityandtherefore,myaccountwouldberebilledforthethecharges.Sincereceivingtheletter,IhavespentcountlesshoursonthephonewithCITItryingtoresolvethedispute--which,includedthereopeningandquicklyreclosingoftheinvestigation3times--allresultinginthesamedetermination.

CITIiscurrentlyinviolationoftheirowntermsandguarantees"AtCiti,youwillnotberesponsibleforunauthorizedcharges(chargeswhichwerenotmadebyyou,oranyoneallowedtousetheaccount)'':https:XXXXAsaloyalCITIAAdvantagePlatinumcardholderformanyyears--acardthatcarriesa{$500.00}annualfee--thishasbeenacompletelydishearteningandunprofessionalexperienceandhavelostallfaithinthebank.
Consumer complaint received 2022-09-26
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take into consideration this complaint I am writing to inform you that your information is inaccurate. I do not recall having a bankruptcy on the dates you are reporting and there are blank fields making your information incomplete as well. Additionally, this is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove it immediately. 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.