davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (MA)

On XX/XX/2021 I noticed my credit report was flagged for collections from a collection agency called Diversified Adjustment. I believe they are a collection agency with XXXX being the main company claiming I owe. I had the same issue with this company in XXXX and thought this matter was settled but apparently XXXX passed it on to another collection agency because the account wasn't proven as fraud which it is. I have never had any business, communication, or any form of knowledge of this company/account or how they got my information. I have already disputed this claim twice and keep getting " account remains '' after both disputes which is 100 % incorrect hence why I filing this form today. The information is incorrect and not mine and is destroying my credit score that I have worked hard to increase and this needs to be permanently removed from my credit and listed as fraud because that is exactly what this is.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (PA)

I was a Simple Bank user. BBVA USA acquired Simple and closed it this past weekend. My account was supposed to seamlessly transition to BBVA but their mobile app crashed in the process and I have been unable to access my account for 5 days now. Communication with BBVA has been sparse and there is no hint of a solution for this. This is unacceptable.
Consumer complaint received 2022-04-09
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2022-01-25
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. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over 30 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 XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (OK)

Ally bank has charged a total of {$120.00} in overdraft fees for a {$2.00} overdraft, and is not following their own rules regarding overdrafts. 

My account was overdrawn by {$3.00} by XXXX, and I attempted to connect a XXXX checking account to the Ally account to pay the overdraft. In the process, XXXX made two test deposits of {$0.00} and {$0.00}. Ally charged a {$25.00} fee for each of these test deposits being recalled to XXXX, without, as far as I can fell, actually sending XXXX the {$0.00} they charged two overdraft fees for. Additionally, despite both test deposits being charged the same day, Ally charged two overdraft fees on different days for transactions attempted on the same day ( contrary to their rule of only charging one overdraft per day ). 

I contacted Ally on XXXX to explain the situation, and on XX/XX/XXXX they did refund the two overdraft fees for the test deposits. However, on XXXX and XX/XX/XXXX they charged two more overdraft fees for recurring charges that were not covered ( a total of {$50.00} in fees for a charge of {$2.00} that XXXX attempted twice and was not debited from my account by Ally ). 

Today, XX/XX/XXXX, I contacted Ally to see what was going on and to attempt to close the account. When I asked the person I spoke to if I has opted-in to overdraft services/fees, he told me that it is not possible to opt-out of overdraft services at Ally bank ( which seems illegal under the opt-in requirement of XXXX ). He also said that my account had been restricted due to the overdrafts and no more overdrafts would be charged due to it being overdrawn, which made me wonder why they hadnt done that on XXXX when they became aware of the whole situation. 

As it stands, my account balance is - {$77.00}, of which {$75.00} is fees for overdrafts and {$2.00} is the amount of actual overdraft paid by Ally. It is totally absurd, but the customer service person I spoke to today said that there is nothing that can be done about it.
Consumer complaint received 2021-05-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (SC)

I am a XXXX student, taking a " full course load '' for our reduced semester due to covid restrictions. Because I am not taking over 9 credit hours, my student loans from Sallie Mae did not qualify for deferment. I have been in contact with them to try to see what my options are, as I can not afford to make the full high monthly payments. I gave a financial statement and was told that because I did not make enough money, they were unable to enroll me in a program to reduce my monthly payment. Then my cosigner spoke on the phone with them, they were rude, provided no help and hung up on him. I was later told that he would need to make a financial statement to try to enroll me in a payment reduction program. Even through the payment reduction programs, the amount I will have to pay is more than I can afford. Over the past week, my family and I have been working on reaching a solution. In the meantime, a payment has been more toward the account in a partial amount. I have been in contact with my " account '' manager. I have explained the situation to her in great detail. I have told her I am aware of the date that my account will go to collections and that we, as a family, were working on coming up with a solution to pay for my student loans. In the meantime, I told her I was appreciate if the harassing phone calls would end since we were all aware of the current situation and they had not been helpful. The past two days, my whole entire family has been harassed by this woman. My mother was contacted while at work 11 times yesterday. Today the same woman called my mother AND my brother and sister. I am not even sure how she has their contact information. I again called and spoke with her. I told her again, we were aware of the situation, we were working on a solution and the harassment needed to stop, especially since we have made an effort to make payment and be cooperative. She assured me that she was not harassing anyone. I think contacting a party over 10 times a day, contacting other family members that are not authorized on the account and interrupting someones work day after they have been told several times to stop, would qualify as harassment.
Consumer complaint received 2021-05-13
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (NH)

We closed on a mortgage on XX/XX/XXXX. This mortgage was a rewrite of a XXXX mortgage but now at a lower rate. 

The company calculated the payoff with interest through the closing date. In addition they added a " buffer '' of 18 days in the event the closing was delayed. We were told that the " buffer '' ( in the amount of {$500.00} ) would be returned after the closing. 

It has been more than a month. A few weeks ago we inquired about it and were told that we should be seeing the money soon. 

Still no refund.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CT)

American Express Serv mobile app has been down for days. I can not access my balance, transfer funds or make purchases. They are holding my monies hostage. 

The date the issues started was XX/XX/2018
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXX XXXX || Account number : XXXX - XXXX || Account number : XXXX - XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) || Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) || Account number : XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) || Account number : XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2024 I sent a certified letter to Transunion Credit Bureau requesting that they update my personal information ( see attached ). The certified letter was delivered to Transunion on XX/XX/2024. On XX/XX/2024 I received a copy of my credit report with no update to my personal information. I am filing this complaint based on no automatic investigation performed by the credit bureau in updating my personal information and failure to comply with FCRA regulations.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (CA)

I applied for a loan on or around XX/XX/. The loan was approved, however, it was never disbursed. I contacted Upstart and was informed the disbursement was attempted and requested my banking information. I provided my banking information and was informed it would be a few days for disbursement. The disbursement never happened and Upstart informed me my banking information was correct, but the company was investigating the disbursement problem. On XX/XX/, Upstart deducted the first payment on the loan in the amount of {$72.00}. I have contacted Upstart on multiple occasions and was informed my payment would be returned. I contacted the XXXX  to file a complaint due to disbursement of funds. Upstart contacts me and informs me my loan isnt approved and would return my {$72.00} payment. This has not happened and Upstart is refusing to respond to emails or communicate on this issue.
Consumer complaint received 2022-01-25
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. (GA)

I've sent in numerous disputes regarding these fraudulent accounts and requested the bureaus to send in information related to their verification and have yet to receive anything showing how they are verifying these fraudulent accounts. I've sent in a Police report for identity theft, a notarized affidavit and they still won't even block the fraudulent accounts. This has been going on for months and I'm sure they are in violation.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are inaccuracies on my credit report and I have contacted each credit bureau to report this information. I was informed that the information would be updated within 48-72 hours. There has been nothing updated and I am not sure what is going on. This has to be fixed.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

I had a procedure done on XX/XX/XXXX by XXXX XXXX. I received a bill, statement date XX/XX/2021 for {$20.00}. I made several phone calls and even submitted my XXXX XXXX from XXXX that shows " Your share {$0.00}. '' I filed numerous complaints with XXXX to investigate and they even contacted the physician informing them I owed nothing. The provider ignored XXXX and me and turned me in to collections. I have attached all the documentation for your review. 

Provider is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Transworld Sysems Inc is the collection agency I was reported. XXXX also contacted them to no avail. I am still being harassed for a medical bill I do not owe which now becomes XXXX FRAUD.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

I ask Discovery Card company why if the card has been close for 2 years why Im being charge Interest for a cash transaction and purchase transaction if Im not using a card the card has been closed for 2 years they told this is normal how could this be if Im not able too use this card please help me
Consumer complaint received 2022-04-09
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. (FL)

On XX/XX/2022 and XX/XX/2022 I contacted the following Credit bureaus XXXX, and Transunion by U.S. Postal Service Certified Mail Receipt. 

At that time I requested all documents that they used to verify the following inaccurate accounts that they placed on my credit report. XXXX XXXX XXXX XXXX ACCOUNT NO. XXXX AND ACCOUNT NO. XXXX on XXXX credit report this action was taken on XX/XX/2022. Also on my Transunion credit report account no : XXXX. 

I was instructed by the credit bureaus XXXX, and Transunion to contact the creditor XXXX XXXX directly and request these documents that were used to verify these accounts, upon speaking to the XXXX representative XXXX he explain to me that there were no documents that the Creditor just called and requested that the accounts be reinserted to my credit file and it was placed back on my file this is a BIG .... VIOLATION, no proof or documents were ever presented, this is XXXX in the biggest way by the creditor and the credit bureaus. 

I also reached out to the creditor XXXX XXXX and requested all documents that they furnished the credit bureau to certify these accounts. XXXX XXXX, XXXX and Transunion never responded to my request they never furnished any documents that prove these account were verified .... they are both in violation, they both failed to furnish me with the so call documents that they used to verify these accounts. 

According to the FAIR CREDIT REPORTING ACT SECTION 15 USC SEC 1681 ( A ) states that if you can't provide proof .... these accounts must be deleted I request that these accounts be deleted if they are not 100 % accurate. No proof was ever provided from the creditor nor the credit bureaus XXXX, and Transunion so these accounts must be deleted.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Placement Services, LLC (IL)

Professional Placement Services has committed identity theft using my information provided to them from XXXX XXXX XXXX. I have never been to a hospital in Wisconsin nor have I ever executed any paperwork using my information for XXXX to disclose in the state of Wisconsin where the claim originates. I live in Illinois. They have only been provided my name, birth date and social security number. NO address, phone number etc. 

They have now told me two times that they have removed the credit reporting of this collection which is false. They have REPOSTED IT THREE TIMES!! AN IDENTITY THEFT LAWSUIT WILL BE FILED AND ARRESTS WILL BE MADE.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true.
Consumer complaint received 2021-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/XXXX my company handled a refinance for XXXX XXXX XXXX on his XXXX County Home. At which time he had two mortgages to payoff. A first mortgage with Bank of America and a second mortgage with Bank of America. Although it was challenging we were able to get a satisfaction filed for the first mortgage. However, to date the 2nd mortgage we are struggling. I am attaching the payoff which reflects a XXXX  balance. The payoff letter however DOES NOT have anywhere the borrower is to sign to CLOSE and FREEZE the CREDIT LINE. In addition the payoff letter DOES NOT reflect a satisfaction recording fee. We sent the XXXX  balance payoff letter and requested a satisfaction of mortgage be filed. I followed up on XX/XX/XXXX and on XX/XX/XXXX with Bank of America and they NEVER responded. I then filed a complaint with the DFS on XX/XX/XXXX because I still had not heard back from them. They then responded to the DFS stating that the satisfaction of mortgage was never filed because the account was still opened and not closed. The borrower then contacted them and closed the account. He received a congratulations your loan has been paid in full on XX/XX/XXXX and to date a satisfaction of mortgage has still not been filed. I am assuming because they never collected the satisfaction recording fee. What can be done to change Bank of America 's payoff letters for their 2nd mortgages? I currently have two other files that I will have the same exact problem. They don't include a satisfaction fee EVER on their 2nd payoff letters and they NEVER have a signature line for the credit line to be closed and frozen. This is not fair to the consumer, they don't know any better and just pay off loan and figure the satisfaction will be filed. I would LOVE to see Bank of America be fined for this, so they make a change to their 2nd mortgage payoff letters. The first payoff letters DO INCLUDE a satisfaction fee. Looking forward to hearing back from you. Best regards, XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.