davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I obtained legal advice through XXXX XXXX law firm to assist me in communicating with Bank of America requesting their consideration for settling my credit card debt. The amount owed was {$5900.00} as of XX/XX/2019 billing cycle. At this time, due to two different trips to the ER for an XXXX XXXX, several trips to the XXXX, multiple car repairs that were needed, I was concerned that I would not be able to quickly pay down my credit card and it would eventually be charged off. I intended to get ahead of this, and hoped Bank of America would try to work with me. 

On XX/XX/XXXX, XXXX XXXX sent a letter on my behalf requesting that perhaps a settlement could be considered, along with more affordable monthly payments of {$150.00}. 

I continued to receive bill statements from Bank of America, but no response to that letter. On XX/XX/XXXX 's billing cycle, the amount due had risen to {$6400.00} with late fees and interest incurred. 

On XX/XX/XXXX, I contacted the law office again and stated that I had not received a reply. They had also not received a reply. They again sent a letter to Bank of America requesting a reply. 

Finally in XXXX, I personally called Bank of America. They stated that they are not required to reply to such letters. I found this to be in bad say. I had waited several months, thinking that my case was under review with them, and it was simply being ignored. This delay of processing continued to negatively impact my credit score, and has now increased the amount of money owed to Bank of America while I waited for several months hoping for a response on their part. 

On XX/XX/XXXX, XXXX XXXX reached out to Bank of America to inform them that they no longer represent me. 

On XX/XX/XXXX, XXXX XXXX reached out to me directly to inform me my account had gone to collections, however Bank of America sent the letter to them, not to me, as they should have. Again, this has caused a delay in my ability to respond in a timely fashion.
Consumer complaint received 2022-07-06
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. (NY)

XXXX XXXX XXXX has been reporting me with an inaccurate information to the credit Bureaus TransUnion, XXXX and XXXX. I sent letters to the Bureaus and to the collection companies requesting an investigation. The account remains in my credit report and have not been fully validated. After 45 days the account was removed from my credit report and now recently, they're reporting the same account that was closed as active. There was No written notice from any of the Bureaus informing me of the result of the investigation. All my communication with them was sent through certified mail and I have proof that the letters were delivered to the correct address. I'm requesting assistances in the verification of the removal of the disputed data from my credit report.
Consumer complaint received 2021-05-11
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 made several attempts to correct my credit card reporting for XXXX XXXX XXXX that Transunion and XXXX  have reported incorrectly since XX/XX/2021. 

I have done several disputes with most recent XX/XX/2021 and provided my credit card statements reflecting my balance at that time at {$3500.00} versus {$7000.00} when I opened the account and they keep saying they have verified with XXXX XXXX  XXXX. 

My bank XXXX XXXX aged has said that they keep requesting only XX/XX/2021 data which was when the account was opened and not the latest balance as of XXXX dispute which is now {$3000.00}. 

Transunion has degraded my credit score over 30 points the last couple months related to this credit card only and at this point I believe its intentional and fraudulent by stating they verified the most current information.
Consumer complaint received 2021-04-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2021, i paid XXXX XXXX XXXX a payment of {$89.00} to settle a charge-off collection from XXXX XXXX. In exchange of the settlement payment they had agreed to remove or get account deleted from my credit. So far that account has been removed from XXXX  but not on XXXX  nor Transunion. 

Every time i submit a dispute to XXXX  and Transunion thier investigation result keep on coming back verified or updated without no validation letter. 

I even sent XXXX  and Transunion a deletion letter agreement from both the collection agency and the original creditor in order to that account deleted by the credit bureaus themselves.
Consumer complaint received 2022-10-16
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. (TX)

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 : # XXXX, XXXX  XXXX, 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.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NC)

I received a letter on Friday, XX/XX/2021 that someone had filed for un-employment benefits in NC and they needed to verify my information, I did not file for un-employment so I called them and the credit bureaus, I also filed a police report. Today, Monday, XX/XX/2021 I received a checkbook and a debit card from TD Bank to my home with my name, address, the last XXXX digits of my social security matching but with a fake phone number. I called and alerted them that I had not opened the account but they did not want to give me any information on how they opened the account to begin with.
Consumer complaint received 2021-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX I called my bank because I had two charges, one I got XXXX for a boxing fight I didn't authorized and the other one was some tickets I bought from XXXX XXXX on XXXX XXXX and on XXXX XXXX I reached out to XXXX XXXX and they didn't want to give a return so I reached my bank Capital to dispute it. All they did was close my account, tell me I don't have access to XXXX dollars I had in my account and hardly want to give me any updates.
Consumer complaint received 2022-09-24
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. (GA)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (AL)

XXXX & XXXX fraudulent checks where deposited in my personal account after seeking a personal loan through credit karma. The company is XXXX XXXX XXXX. I was told the deposits were to verify that the account was actually mines. I was told after the deposits were made take the money and send it back and the process would be complete. After this my account was put in the negatives ( - {$650.00} ). I XXXX the company and apparently it is a actual company. They have people impersonating they are with this company but actually are not.
Consumer complaint received 2021-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MA)

Hi, I was shocked today when I reviewed my credit report and found late payments for my student loan accounts for Navient during the Covid19 pandemic where i thought all student loans were in deferment or in forbearance stand. How is this possible that your company is reporting student late during a pandemic. AM i not protected? Also, wasn't navient sued before by cfpb for not applying for the payment correctly or in timely manner for their clients???? 

Also, I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

In XX/XX/2022 my refrigerator compressor stopped working I called XXXX XXXX XXXX XXXX which has contract w whirpool for repair, they said there will be XXXX diagnosis fee and it will be deducted from repair cost. Technician said compressor is not working and wanted XXXX for repair. compressor was under warranty for XXXX years and the refrigerator had worked for just XXXX years. They didn't do the repair under warranty and wanted XXXX for repair of compressor. After XXXX month playing tricks with me for not doing the job under warranty I bought a brand new of the same refrigerator for XXXX from whirpool. Because I called them for the repair under warranty, not just for diagnosis and they didn't do that I didn't pay diagnosis fee and went overseas to a country, XXXX, which has no banking and telephone relations with XXXX despite me sending them emails that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they imposed and imposed late fee to that XXXX, diagnosis fee and now they want XXXX ( through collector named TSI ), for XXXX diagnosis fee and the rest of it is late fee .I paid the collector diagnosis fee which was XXXX $ and initiated a dispute for late fee which is completely unfair because I've been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I couldn't send money .I even couldn't call them from there .but I sent them several emails then and explained my situation but they were not listening and go on and on over late fee. 
I have paid diagnosis fee wo them doing their job ( to the collector, ) which was repair under warranty since they had contract XXXX whirpool.but late fee is not fair.like ur child is sick and u take the child to the doctor u don't want just diagnosis u want diagnosis and treatment .what was the use of that diagnosis wo repair which they didn't do it.
Consumer complaint received 2022-07-06
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. (NY)

On XX/XX/2022 the first letter was sent to the 3 bureaus asking for an investigation on the following account " XXXX XXXX XXXX '' Account # XXXX in the amount of {$2500.00}. I sent a letter to the collection company asking to please verify this account. No respond was received within the 45 days after the letter was delivered. There was No written notice from any of the Bureaus informing me of the result of the investigation. Recently, I noticed a discrepancy in the balance amount. This amount has increased every month for the past 3 months. I'm requesting assistances with inaccurate information on my credit report.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (WA)

I earn Membership Reward points from American express on my purchases. These points can be invested in XXXX XXXX if the account holder has a a XXXX account which I have. However for last XXXX weeks I have been trying to transfer and use these points to invest in XXXX. It is not working. I have called AMEX several times. First time, I called American express a month back and was told that I needed to contact XXXX. I called XXXX. After a week I received a call and the rep wanted me to do the transaction as per his instructions. It didn't work. I was told that AMEX will send a new card. I got the new card on XXXX XXXX. The new card didn't work. I had the same problem in transferring points to XXXX XXXX. I called AMEX on XXXX XXXX. The representative tried to help me but had to put me on hold and I got disconnected. I called AMEX again today and while on phone, the representative reset my password without my permission and I had problem in creating a new password. Finally, I got it taken care of. However, the original problem of point transfer to XXXX XXXX is still existing. Meanwhile, I am losing money because I can't invest the money.
Consumer complaint received 2022-07-06
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 (HI)

The company, Venmo, will not transfer funds in my account to my verified bank. I have been using their services for about two years with no changes on my part. Presently they have me communicating with a member of their " support '' team but continuously ask me to try certain actions but no success. I believe Venmo is trying to increase balances held in their account for their benefit. The " support '' team representative has requested I make a transfer from my Venmo app. I have but have yet to see a confirmation that it in the works.
Consumer complaint received 2019-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I was approved for a loan modification thru Owen Loan Servicing in XXXX of 2018. You are given a trial period of 3 months to pay the payments in full and on time. I had made the payment for two months on time and before my third payment was due. Ocwen sold my mortgage to PHH Mortgage. After many, many phone calls in which I spoke to a different person each time, who gave me different information, they WOULD NOT accept my third month trial payment to lock in my new rate. I was told I had to start the modification all over again with them. I was complying completely with all the hoops, and there were many and being assured they were doing everything to keep me in my home. Their customer service is the worst I have ever dealt with. The right hand has no idea what the left hand is doing. They continued to tell me my loan package was either missing something or something was eligible. I was never told upfront all the required documents needed. The kept asking me to re submit papers until they strung it out long enough to tell me when I call to check on the modification that my house had already been sold in foreclosure. They reason they gave me was that they didn't have time to review my paper work before the sale date. I am now awaiting the eviction process to begin. I know there were several violations in their handling of this. After lots of research, I have discovered this happens frequently with the company. They have been fined several times in class action suits.
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I would like to file a follow up complaint in regards to Select Portfolio Servicing 's ( SPS ) 12 page response to my original complaint, on XX/XX/XXXX. I was told by SPS that I would be continually given repayment plans, and/or, a loan modification until my loan was brought current. Over the last four years I have paid over {$100000.00}, on time, to SPS for a home that I originally purchased for approximately {$130000.00}, not including 12 years of mortgage payments prior to that. After completing my fourth repayment plan in four years I am being told there is a balloon payment of approximately {$39000.00}, which was not on the original repayment plan they sent me on XX/XX/XXXX. SPS has sent CFPB a copy of this repayment agreement showing absolutely no balloon payment due at the end, which went from XX/XX/XXXX to XX/XX/XXXX. I recently contacted SPS, I spoke to a representative named XXXX, about this matter. After putting me on hold several times trying to make sense of what was going on with my account, I was told she couldn't figure it out, that a Relationship Manager would call me within 24 to 48 hours, ( which did not happen ), and also she said that I should make a payment for XXXX in the same amount as my previous payment amounts, even though I have no confirmation of a new repayment plan. I am completely confused and at a loss to know what to do or what SPS is going to do about this. It is my fear that after paying over {$100000.00} of repayment plan payments on time, for four consecutive years, I am in jeopardy of losing my home due to misleading information from SPS. They constantly mislead me, changed what they said, and have not kept up their end of the agreement. Since XXXX I have repeatedly requested, and applied for a loan modification, and have been consistently turned down for the past 9 years, with no rational explanation as to why, other than the XXXX Bank will not allow it.
Consumer complaint received 2021-04-17
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: DISCOVER BANK (NY)

To whom it may concern I am looking over my hard inquires with XXXX and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX CARD in XX/XX/XXXX was fraud and XXXX  XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a discover XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and discover as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX but it is still showing on my XXXX  credit profile.
Consumer complaint received 2021-04-17
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. (TX)

I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). Experian, XXXX, and XXXX  then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). Experian, XXXX, and XXXX  all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

Experian, XXXX, and XXXX  are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

Experian, XXXX, and XXXX  were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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