davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: ECMC GROUP, INC. (NY)

I was called at XXXX and answered the phone and told the person on the other end of the phone that she was not allowed to be calling me after XXXX. She stated that she was allowed to. The company that called me is ECMC. *Note* In the attached picture, ECMC is not a number I have programmed into my phone, it is a Caller ID that XXXX has assigned to the number that called me.
Consumer complaint received 2017-04-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (CA)

I submitted a dispute online through Experian in XXXX for late payments with XXXX XXXX. the dispute was resolved electronically as item remains the same. I then wrote a dispute letter directly to XXXX and received a response and letter stating the information they reported is wrong and they will update the late payments to current and paid as agreed. The letter was dated XXXX XXXX XXXX. I waited for the bearueas to be updated. XXXX and XXXX updated the account payments from late to current but not Experian. I called Experian today and spoke to XXXX and told him I received a letter for the corrections and that the updates needed to be done on my Experian report. He said I have to send a dispute and they handle it electronically. I advised him that I needed to send the letter to a physical person for them to verify the information so the late payments can be removed and he said no. he said I had to file another dispute. I told him that I do n't want an open dispute on my credit file and I had already disputed and received a response from XXXX. He refused to help me, He only gave me an address, I asked for a supervisor and he said for what because a supervisor wont help me and will tell me the same thing. I am not happy with the situation and I need this account to be updated and correted as the letter states from the lender. 
filing an electronic dispute will only yield a dispute comment placed on my credit file and will not fix the problem. Experian needs to accept the letter from the lender and verify the information just as if I were a mortgage company requesting a rapid rescore with valid documents. but instead I am treated like trash and my rights as a consumer have been violated. I asked for his complaint department and he said they wont do anything. I offered to send a copy of the letter for him to verify and he declined. he said it all had to be electronic. I would like a response and the XXXX XXXX late payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX to be updated as current just like the letter shows it should be manually and not through filing another electronic dispute.
Consumer complaint received 2021-10-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6200.00} // Charge Off US BANK XXXX Date opened XXXX XXXX, XXXX Balance - // Late Close
Consumer complaint received 2019-07-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Mortgage application was rejected verbally on XX/XX/2019 by Bank of America Based on my XXXX Status the Loan Officer told me the Underwriter cant recognize me legally present in the U.S.A and she will reject my application and she already consulted her supervisors and they all agree on the statement she made and all my attempts to have a written letter failed until XX/XX/XXXX I received a letter stated Your loan is not eligible for the program for which you applied. 

I have valid Employment Work Authorization ( EAD ) issued by the XXXX and it was renewed two times, I have been employed for more than three years, filed my taxes and already provided Bank of America with the required documentation. 

HUD and XXXX XXXX both agree on the following in the guidelines The borrower must currently be legally present in the United States. XXXX XXXX considers a borrower to be legally present in the U.S. if they have the following documentation : Valid Social Security Number ( SSN ), OR Individual Taxpayer Identification Number ( ITIN ), AND Current ( unexpired ) Employment Authorization Document ( EAD ), OR Other documentation showing XXXX   status is current/unexpired ( e.g. XXXX XXXX, XXXX XXXX, etc. ) The borrower meets all other standard employment and income requirements as required by the XXXX Findings. 

I have contacted 6 other lenders and they all agree on my eligibility to apply for a mortgage.
Consumer complaint received 2023-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stellantis Financial Services US Corp. (PA)

I sincerely request your compliance with the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers in relation to credit bureaus. In light of this regulatory context, I kindly implore XXXX to undertake the necessary measures to exclude the ensuing account particulars from my credit report : Account Details : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX Type : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX State : TX ZIP Code : XXXX Phone : ( XXXX ) XXXX Scheduled Duration : Until XX/XX/XXXX It is crucial to emphasize that the inquiry mentioned above was not initiated by me. In accordance with the FCRA, which places significant importance on the accurate representation of individuals ' credit histories, I urge your prompt attention and resolution of this matter. I extend my gratitude for your unwavering commitment to upholding the fundamental principles of consumer rights within the sphere of credit reporting. Your swift action in rectifying this discrepancy is greatly anticipated and appreciated.
Consumer complaint received 2019-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal is company at Issue. They are holding a payment for no legitimate reason. First said it would be 24 hours, now saying it could be up to 5 days. The same person has sent me money last three weeks in a row. This week he wasn't able to for some reason and had to call them. He did and then updated his account per their direction and was able to send me the money. When I logged into my account to " accept '' it, it let me accept it but then put the transfer on hold, it said for up to 24 hours. Now 24 hours later they are saying it could be on hold for up to 5 days. Again, no explanation whatsoever for what the original problem was, why the payee needed to do something different this time, and why the transfer to me is now on hold. It's only {$530.00} so not worth a XXXX  complaint, which I told them I would file and I did that as well as filing this complaint with CFPB. First the payee had to call PayPal customer service just to get the transfer initiated on his end. Then I had to call today with no resolution on a 13 minute call to XXXX and spoke with XXXX.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I paid my HELOC in full last year on XX/XX/XXXX and requested the account be closed as I no longer intended to use the account. The account was closed and I paid the reconveyance fee to have the lien removed from title. However, upon reviewing my annual tax documents for XXXX for my HELOC # XXXX I noticed I was double charged the {$220.00} reconveyance fee and it was listed as a " late charge payment ''. 

I've called multiple times beginning on XX/XX/XXXX, again on XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX to have this corrected, but they are refusing to refund my money and have not called me back. I have never had a late payment in my life and this is very upsetting to see no one is responding to this servicing error. It has now been over a year since they improperly collected these funds and I believe they should refund the money with interest.
Consumer complaint received 2022-02-25
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021, reporting inaccurate, unverifiable and fraudulent items on my credit report. I have yet to hear anything back from them, it has been well over 30 days. I have not received any a response from any of them. This is a violation of my rights due to not providing a notice of the disputes and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. 

I demand these items I disputed in my letters to be blocked. removed and deleted from my consumer report immediately. I am trying to obtain credit and need the bureaus to respond. Please intervene and assist me with this request.
Consumer complaint received 2022-02-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (NE)

I have been reaching out to National Credit Systems , Inc . 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XXXX Email : XXXX Using the Toll-Free number the week of XX/XX/2022. On XX/XX/2022 I have attempting to call to potentially work an arrangement to pay this debt I supposedly owe to get it off my credit ( even thought XXXX shows it as included in my chapter XXXX XXXX ). 

I spoke with the operator and she states that only XXXX XXXX can help me and she is out to lunch and nobody else can assist me with paying. Furthermore, she was supposed to transfer me to her voicemail and the line just died. I called back and XXXX XXXX 's direct extension of " 132 '' same result, no answer just dead line. I then tried to reach here my the dial by name feature their IVR service has, again, no luck. 

So, it doesn't seem very fair. Rather abusive and deceptive to me that I can just call to get this figured out - yet nobody is available to assist me? Clearly in business hours- I am calling around XXXX - XXXX. 

So, apparently they must not want to collect this debt, therefore they should just dismiss this and remove it from my credit bureau as it shouldn't even show as I owe on it on my XXXX  and XXXX- like XXXX shows, it was included in chapter XXXX.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I had funds in my account on XX/XX/22 and sent my sister 11 through XXXX and when I sent it nothing was pending or processing on my account at the time I then get a email saying that it was overdrawn and a fee was posted to the account and again on XX/XX/22 I called the bank and got the run around and if I didn't have my XXXX funds coming on the XXXX of XXXX I would have closed the account but I really don't want to go through finding another bank and setting everything up with another bank and all the accounts I have to pay I been with the bank for 17 years and this is the first time this has happened and I got no help from them they don't care about their customers and I just hate to close my account for something like this please help me with this company asap I just want the two fees waived and that's it
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

I need this account be deleted immediately Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

{$800.00} was stolen from my checking account on XX/XX/2022, using XXXX XXXX ( my debit card was in XXXX XXXX ) in a diffrent state. Within 5 minutes ( i get alerts if withdrawal is more that {$200.00} ) i called chase and opened a claim that is wasnt me. I have proof on my XXXX  bill showing my location when I called them. I have police report and I followed every step to file a claim. Chase received all documentation and they closed my case claiming because XXXX XXXX  was used they decided transaction was authorized. I spent 7 h calling them, I am a customer for 20 years and they promote digital wallet as a safe product claiming there is 0 liability and you are protected and your money is safe with them. I never lost my phone neither my debit card. I have no clue how such a fraud could happen. Please note that last response I received on XX/XX/2022 that they closed the case because it was authorized. Please help
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (LA)

I am a XXXX XXXX XXXX XXXX and I've had repeated problems obtaining payoff statements from Specialized Loan Servicing LLC ( SLS ), a mortgage servicing company based in Colorado. Recently, as instructed by the SLS website, my office submitted at least 10 e-mail payoff requests over a 2-week period to XXXX, and attached to each request an executed " Third Party Authorization Form '' signed by the applicable borrower. However, we never received even a reply from SLS, much less the payoff statement that we requested. 

We have had similar problems in obtaining payoff statements from SLS on many other occasions in the past. 

When we've called to discuss the issue with SLS, we get the run-around, so the persistent problem has never been resolved.
Consumer complaint received 2022-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have repeatedly sent letters to TransUnion regarding not only the inaccuracies regarding a bankruptcy on my credit report, but I have also included legitimate facts on how they are breaking the law with the reporting in itself. I have been sending in letters every few months with the same results, of them telling me that : they will no longer investigate. The last letter I sent, dated, XXXX, XXXX, 2002, they responded with a letter, " applauding '' me on my " efforts '' - then went on to insinuate that I used a credit repair company. I DID NOT use a credit repair company to dispute all of the inaccuracies on anything that I have requested ( most of which have not been corrected ), but if I did, I have the right to do whatever I need to as a consumer to ensure that my credit report is ACCURATE!!! I do not need an applause, I need for TransUnion to follow the law and report accurate information concerning my report. I have also sent letters regarding the verification of my student loans, but have received similar responses. I am very aware that TransUnion, as well as others are an elaborate mechanism, with no standing authority, pursuant to 15USC 1681 ( a ) ( 2 ). So, what/who gives them to right to decide what they " think '' is fair? They are not only breaking the law by violating my privacy, they are also NOT accurately reporting said information in its certifiable requisite Metro 2 compliance format.
Consumer complaint received 2018-12-22
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. (HI)

I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, account name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} CCFI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX