davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank Of America ATM deposit on XXXX of XXXX the atm only credited XXXX and gave back XXXX missing the other XXXX. Filed a claimed immediately over the phone, they said they would credit the account and conduct an investigation. 
On XXXX first thing in the morning I showed up at the branch where this happened, they confirmed their atm amount was over by the amount of my claim had that it would take 2 days to get the money back. Nothing has happened and I must pay my mortgage, the bank where I have my mortgage does NOT care about this problem I have with Bank Of America, they just want their payment. This was not my fault in any way and yes they are taking their time crediting my account, at least they should have the courtesy of doing so while they conduct their investigation, I do not want and cant be late on a mortgage payment which would certainly damage my credit. I have been a customer of Bank Of America since 2005, incredibly that they dont show any efforts to expedite such a big mistake caused by THEIR machine, its not change money it is XXXX!
Consumer complaint received 2022-02-19
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: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (VA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL (GA)

I am filing a complaint against synchrony bank I had a {$5000.00}. XXXX credit limit with them with XXXX XXXX every time i was close to paying off they kept coming up that they are reducing my credit limit I have not been late on my payments now that i am done paying the card they reduce my credit to {$19.00} when I called in to complain I was told by some so called XXXX  in XXXX who stated it was a business decision for the bank to reduce my credit limit!!! Synchrony bank is a reap off!!! They have the worst customer service representatives in XXXX who do not know anything about the US banking systems they dont even know how to login a complaint instead of trying to help the customer they are arguing and putting their bank at risk for bad publicity that would affect their shareholders synchrony bank has one of the worst customer service. The credit started in XX/XX/2019 that should have ended for 36 months but I am finished paying for the credit I would not recommend consumers to deal with this bank they are a reap off
Consumer complaint received 2024-04-01
Product: Credit 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. (WA)

They finally admitted to XXXX using an incorrect code, when it happened at least XXXX over a period of XXXX months. They ignore my complaint that they notified me of a Fraudulent charge and closed my credit card, Chase none-the-less accepted XXXX charges ( {$460.00} and {$230.00} ) from that same bogus merchant ( without my permission ) after the account was closed. Now they somehow expect me to pay these charges, when it was posted to a closed account.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Dear Team, i received a pre-approved credit card offer from Amex for my business ( sole proprietor ). it had a code as well and it looked like i have everything set and just need to apply the code in the letter. but when i completed everything it was declined/ refused and caused me a hard inquiry on my credit and reduced my credit score. i want Amex either to approve my application or remove the hard inquiry from my credit report in-result of misleading offer. thank you XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I had a reduction in income I had to file bankruptcy to maintain ownership of my home. I dismissed my bankruptcy and I 've submitted several request for modifications and  XXXX    XXXX   has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.  XXXX   XXXX  has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX . Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to be given  a 30 n otice prior to the property foreclosure sale.  XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are account that I do not recognize on my credit report, nor did I authorize any of these malicious companies to run my credit. Please remove them from my personal credit report. Thank you.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (LA)

I have been trying to find out how this Caine & Weiner debt collection agency got my information and alleges that I owe them a debt. I have tried disputing it with the three credit companies only to receive a response that the information is accurate. How?
Consumer complaint received 2022-09-26
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. (PA)

I emailed a live agent a copy of my cease and desist letter, the agent confirmed the email was received and I should be contacted within XXXX days ( XXXX ) from an agent from the billing department. I was never contacted, rather late payments were reported to my Transunion and XXXX consumer reports. I am not sure as to why these payments were reported late or even reported to my consumer report at all when the representative stated that the company does not report to credit bureaus. Further, the company continues to contact me even after receiving my cease and desist letter.
Consumer complaint received 2019-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (OH)

From XXXX to XXXX, my loan was serviced by ACS ( now doing business as Conduent Education Services, I believe ). It was very difficult to make payments on my account at times, and rather than telling me about Public Service Loan Forgiveness programs or Income based repayment, they would simply offer to put me in forbearance ; and my interest would just continue to accumulate. In XXXX, I was finally told that I had to refinance my loans through XXXX in order to qualify for PSLF. Finally, I did refinance through XXXX, but I no longer work in public service. I am currently on the Income Based Repayment program through them ; and worked for 10 years in a hospital as a security officer ; but have found that I can no longer benefit from this program. ACS 's failure to notify me of my option to pursue Public Service Loan Forgiveness is negligent at best, and now I have payments that can not possibly touch the principal. Further, to discover that the 10 years I spent in public service no longer apply to PSLF is unacceptable and extremely unfair. When I left college, my loans came to about {$25000.00}. Now, they are more than {$100000.00}. I can not possibly pay this off in my lifetime. I understand that ACS had a class action lawsuit filed against them by the state of New York for the exact same reason. I can not benefit from this, because I do not live in New York. What remedies do I have?
Consumer complaint received 2019-08-02
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: EQUIFAX, INC. (UT)

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX - XXXX XXXX XXXX
Consumer complaint received 2021-06-15
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: EQUIFAX, INC. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion for the past 2 years has inaccurately been reporting information on a loan account known as XXXX XXXX. On XX/XX/2019 my account status changed from good standing to a derogatory account status on my transunion report. I have have no delinquencies or any derogatory remarks on any of my credit reports. I have been in contact with XXXX XXXX and filed disputes that have been completed with XXXX XXXX stating my account was never in a derogatory status. My credit score dropped approximently 80 after transunion reported this status to XXXX XXXX account. This occurred at the same time my father with the same name filed for bankruptcy. I have a different address and social security number as well as a middle name separating me from him. Even though the account states good standing when you click on the actual transunion report it states the account is in derogatory which is highly in accurate.
Consumer complaint received 2019-08-02
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. (UT)

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
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. (UT)

The following companies pull my credit report and assess if my financial profile without my authorization. I did not apply for credit so there is no valid reason for them to open and check my credit standing..Have this inquiry removed from my credit report asap XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXX-XXXXXXXXXXXXXX, XXXX XXXX  XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXXXXXXXXXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (CA)

I sent out a letter requesting Radius Global Solutions to send me more information regarding this debt. However for some reason I received a letter regarding an agreement that they state I generated, for settlement. 

Per the notice o received under important rights it states : California License Number pending, I live in California.
Consumer complaint received 2017-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have called and sent letters multiple times to have inquiries removed as I have not authorized them. The response is a standard letter that says they come off the report in 2 years. I did not authorize them and want them removed from my report. These inquiries I am listing below as unauthorized : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank has grossly mishandled my payment for an account, improperly reported my account as 30-days past due, and despite its own recognition of its error and compelling evidence I have submitted, refuses to correct my credit report, despite several attempts on my part. I believe this is a violation of the Fair Credit Billing Act, and other consumer laws, and seek immediate remedy from the Company. Please see attached documentation, for an extensive discussion of the issue.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (MO)

My mother had a mortgage loan that she was paying back and she had my name down for if something should happen to her it would still be able to work out something to try and get ot paid well she passed away in 2019 and I was left in the blind didn't know anything about what was going on other than this has to be paid or else... Well nobody told me that I could have gotten payments lowered or got a modification on it or anything so we ended up losing it to foreclosure and my credit report or score was all messed up behind something that wasn't mine from the beginning know I'm suffering and I don't think it's right
Consumer complaint received 2021-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

We recently refinanced our original home mortgage, which had been transferred to NewRez, LLC from XXXX Mortgage. The refinancing transaction was with NewRez, which was servicing our existing loan at the time. The refinancing transaction was protracted, troubling, and troublesome in a number of respects that warrant further comment. However, the loan closed in or about XX/XX/XXXX, resulting in our current conventional mortgage loan ( Loan No. XXXX ). In connection with the origination of our current loan, an appraisal of our property at XXXX XXXX XXXX, XXXX, New Jersey, was obtained through an appraiser approved by NewRez. The appraisal, a copy of which is enclosed, reflected a value at origination of {$160000.00}. 

According to our XX/XX/XXXX Mortgage Statement, a copy of which is also enclosed, the principal balance of our loan prior to the XX/XX/XXXX payment was {$130000.00}. Therefore, our loan to value ratio from the inception of the current loan was less than eighty percent ( 80 % ) and no P.M.I. should have been required. Nevertheless, our payment history and mortgage statements reflects the following P.M.I. insurance disbursements from our escrow account : {$11.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX, and {$14.00} on XX/XX/XXXX. 

To add to our confusion, on XX/XX/XXXX, NewRez wrote to us, in pertinent part, as follows : Dear Borrower, Under applicable federal or state law, you currently meet all requirements to terminate the Private Mortgage Insurance ( PMI ) for the referenced property. PMI is no longer a requirement for your loan, and you are no longer responsible for the premiums, payments, or fees associated with PMI. An escrow analysis will be completed within approximately thirty ( 30 ) days of cancellation to determine the new payment amount due. 

A copy of this correspondence is also enclosed. Nevertheless, notwithstanding XXXX written representations, a premium disbursement was drawn on our escrow account thereafter ( on XX/XX/XXXX ) in the amount of {$14.00}, which had increased over prior disbursements. The charge was reflected on our XX/XX/XXXX Mortgage Statement, which is also enclosed. 

We contacted NewRez by telephone both before and after the XX/XX/XXXX P.M.I. disbursement was processed in an effort to resolve the matter and be sure that no further P.M.I. would be withdrawn, but have yet to receive confirmation that P.M.I. has, in fact, been removed from our loan.
Consumer complaint received 2019-06-14
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: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Consumer complaint received 2017-06-01
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: United Consumers Inc (MD)

I disputed via online about an account fro m United Consumers th at I did not recognize  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX ,  XXXX . They (  XXXX   ) res ponded quickly saying that the account has been verified. I called and spoke w ith two rep s. When I got to the gentleman that was the supervisor he told me that they did not do investigations if the creditor comes back and says that it is mine. I told him that is not how an investigation is supposed to work he told me that is how it works at  XXXX . He told me I am welcome to dispute it again but it will just be verified. I have tried to verify directly  with United Consumers and ask for proper verification. I have not gotten proper verification from them either. I do not understand how no one has properly verified this debt but they are verifying the information with each other. I am requesting that  XXXX  remove this collection because a proper investigation  was not done and this debt is not verifiable.