davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have banked with Bank of America Small Business for over a year. Every month, there is a check deposit made into the account from the same payor and the same amount. During the first several months this account was opened, the bank would put a full 15 day hold on this deposited check. The first time they did this, I was hit with seven returned item fees for {$35.00} each because I was anticipating a 5 day hold based on the deposit receipt I received when I made the deposit. I was told 5 days and then they arbitrarily changed this to 15 days. When I complained, they returned ONE of the returned item fees for {$35.00} and kept {$210.00}. A few months later, I spoke with a banker who told me the bank would no longer put a hold on deposits made from this payor because it was a corporate check, the funds had always cleared and my account was in good standing. The month immediately after this conversation, I made the exact same deposit, same amount, same payor, and a 5 day hold was placed on the check. When I called customer service, they reduced the hold to 3 days and released 25 % of the funds immediately. However, that month they still returned 5 items after the payments had already posted to the account, and refused to refund any of them. This month, on XX/XX/2019, I was hit with another five returned item fees for {$35.00} each because they split the deposit into two separate holds even though the teller at the bank where I made the deposit told me the full amount would be released in 3 days. When I called this morning and spoke with " XXXX '', she went into the account and released the full amount immediately and told me the bank puts " a hold on checks because there has been a surge in fraud and they do it to protect my interests ''. I then asked for a refund of the fees I was charged, she asked me to hold while she looked into the account. She then returned to the call and told me she would not be able to refund any of those fees. I asked as to the reason why she couldn't and she said " looking at the account, the payments, these fees, I can't do anything ''. How is this " protecting my interests ''? The account has always been in good standing, the only problems relate to hold periods which seem to arbitrarily change to trigger fees. This is gross and intentional abuse of depositors for the benefit of the banks bottom line.
Consumer complaint received 2022-03-30
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. (PA)

I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.
Consumer complaint received 2024-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I AM A VICTUM OF XXXX XXXX I WAS IN THE XXXX XXXX AND XXXX XXXX BREACH. AND HAVE BEEN FIGHTING WITH TRANSUNION SINCE THIS DEBT SHOWED UP ON MY ACCOUNT XXXX 

I HAVE GAVE TRANSUNION MY XXXX REPORT AND THEY TOOK THIS DEBT OFF IN XXXX, XXXX THEN THEY ADDED IT BACK TO MY XXXX FILE AND NOW THEY WILL NOT REMOVE IT OFF MY REPORT. 

I TOLD TRANSUNION THAT I CALLED XXXX XXXX XXXX AND XXXX XXXX XXXX  TO GET THE XXXX INFO AND THE COMPANY WANTED TO XXXX IT TO ME SO I GAVE THEM MY XXXX ADDRESS THEY THEN ADDED MY XXXX TO THE XXXX I TOLD TRANSUNION ALL OF THIS INFORMATION AND ALL THEY KEEP SAYING IS MY ADDRESS MATCHS AND I HAVE TODATE GAVE XXXX XXXX XXXX A XXXX REPORT AND A XXXX REPORT AND THEY STILL WANT ME TO PAY A DEBT I DID NOT DO NOR HAVE I EVER HAD A DEBT WITH THIS COMPANY... 

TRANSUNION TOOK THS ACCOUNT OFF ONLY TO PUT IT BACK ON. 

THE OTHER CREDIT COMPNYS TOOK IT OFF BUT TRANSUNION HAS NOT DUE TO THEY MAKE MONY TO REPORT THIS ACCOUNT BUT ITS HENDERING ME FROM BUYING MY XXXX XXXX. AND TO LIVE A LIFE DEBT FREE.
Consumer complaint received 2019-10-02
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. (GA)

XXXX, XXXX AND TRANSUNION ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX Account Info Hover over labels for more details Account numberXXXX Account statusOpen Date openedXXXX XXXX, XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} TRANS UNION XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX TRANSUNION XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (CO)

Equifax ; XXXX and XXXX  are reporting incorrectly on the XXXX - account number XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

Upon contacting Equifax my mortgage company requested that they remove a duplicate account. Equifax removed both accounts from my file. Equifax needs to report one of the mortgages. Per the notice from the mortgage company only one account should have been removed.
Consumer complaint received 2019-10-02
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)

XXXX, EQUFAX AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT AND ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT, BELOW ARE THE ACCOUNTS AND INQUIRIES : XXXX   XXXX Account Info Hover over labels for more details Account numberXXXX  Account statusOpen Date openedXXXX XXXX, XXXX Account typeCredit Card - Revolving Terms BalanceCredit Limit {$780.00} {$740.00} EQUIFAX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving or Option BalanceCredit Limit {$12000.00} {$11000.00} XXXX XXXX XXXX Account Info Hover over labels for more details Account numberXXXX Account statusClosed Date openedXXXX XXXX, XXXX Account typeRevolving account BalanceCredit Limit {$12000.00} {$11000.00} INQURIES XXXX : XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - EQUIFAX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2018-04-17
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (PA)

I bought my home with a VA loan that is currently held by XXXX XXXX. This companys agents have made misrepresentations and claimed that since I have a VA loan and I am delinquent that there are no options to restructure or modify the loan except for full reinstatement of the late payments. After a temporary hardship I contacted XXXX to ask for assistance and was told initially that they could help me and that I qualified for help. A few months later after a review they told me that I was denied due to lack of income. This puzzled me and they did not give a lot of details, and I believed that they had made some type of mistake. I resubmitted and updated package with the same income and a few months later was denied again.this time for too much income. I was confused and did not see how this made sense and began asking lots of questions. That is when I was told that since I had a VA loan and I was delinquent that there were no options. I checked on this and found this information to be false. There are modification programs, forbearance programs, repayment programs and they also can restructure the loan and incorporate the arrearages into the balance. I dont understand how or why XXXX XXXX thinks they can get away with this. Instead of working with me they scheduled a foreclosure sale date! They are denying me access to government programs that I qualify for. 

I bought my home with an adjustable rate VA purchase loan back in XX/XX/XXXX through XXXX XXXX. I have paid my mortgage as agreed with no issues until early XX/XX/XXXX when I suffered a fall ( I am XXXX years old ) and was injured and unable to run my XXXX and XXXX   business for several months. This eventually led to a default on our loan ( after 12 years of on time payments ). As soon as I was back on my feet I began trying to apply for modification assistance. As I explained, their agents were very helpful at first and led me to believe that I qualified for help. After submitting all of my financial information a review was conducted, and ultimately I was told that I did not qualify due to a lack of income. I was certain that this was some type of mistake, so I resubmitted a new package documenting the same income that had been submitted in the original package. After a period of time I was told that I had been denied againthis time for too MUCH income. I was flabbergasted and started asking questions, and thats when their agents stopped giving answers. I continued to try and get XXXX to review me for government programs that are available for struggling VA homeowners but instead got the runaround. I was then told by one of your agents that there are no programs for delinquent homeowners with VA loans which I found to be false. 

I am a XXXX XXXX veteran and senior citizen and I do not deserve this treatment by XXXX XXXX. My hardship was temporary and I am back on my feet and able to afford a reasonable mortgage payment. I need the opportunity to be reviewed for all programs so that this situation can be resolved.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was doing some research into my credit report and what I found was pieces of information that were entirely inaccurate. I have been suffering with the loss of my child and now I am dealing with inacccurate information being reported on my credit and it is causing me severe XXXX. I need this fixed at once.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (NV)

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited XXXX  days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything.
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am writing this due to non-compliance with XXXX, Experian & XXXX. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-02
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. (NC)

I am writing this due to non-compliance with Equifax, XXXX  & XXXX. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kwikcash, Inc. (CA)

On XX/XX/XXXX I took out a {$2500.00} loan but was surprised that APR is over 200 % I thought recent CA assembly bill capped loan rates at double figures as this is a CA company the interest seems incorrect
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (KY)

I am writing to dispute the late payment ( s ) that have been reported on my credit report. Upon reviewing my credit history, I have noticed inaccuracies regarding the reported late payments. I am requesting that you investigate and correct these errors as soon as possible.
Consumer complaint received 2019-04-09
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: JPMORGAN CHASE & CO. (NJ)

UNKNOWN INQUIRE REPORTED ON MY CREDIT BUREAU SUCH AS XXXX   AND XXXX DATE XX/XX/2019NAME OF COMPANY CHASE AUTO
Consumer complaint received 2019-04-04
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. (CA)

last year I discovered that there where many fraudulent accounts on my credit report, and I did go to the XXXX  POLICE department and filed a ID Theft report and also I went online FTC site and did the same with them. And I did send all the required documents and copies ( several times ) to Equifax several time with a request to open an investigation and to remove the fraudulent accounts from my credit report. Its been almost one year Equifax is refusing ( ignoring ) to do their responsibility.
Consumer complaint received 2020-09-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I had a payday loan in XX/XX/2017. I was going through a divorce and many things happened. I exended the repayment daye but it got larger and larger and I could not pay it back. I was waiting for a collections to come through on the account but It never did. I was waiting to see if I could set up arrangements to pay after it wet to collections so I didnt have to pay upfront. I had not heard anything and to be honest forgot about it especially with everything going on, I have been contact by XXXX XXXX, XXXX XXXX phone # XXXX with threats of lawsuit and constable intervention. He wanted me to pay {$250.00} today and make three payments of {$410.00} to settle the account but has provided no documentation or conrete information regarding the settlement of the account and I do not feel comfortable paying him without this information. I want to settle account and also protect myself. The non-payment was unintentional and a mistake. I am willing to set up a payment plan but one that does not heavily affect my livilihood as a single parent. Please advise. I have no documents from ACE Cash Express or from XXXX XXXX XXXX that state the debt or ways to respolve. I have only received calls with threats and unrealistic accomodations to resolve the account.
Consumer complaint received 2022-03-30
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. (GA)

I did not approve these XXXX or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (VA)

Recently, I, XXXX XXXX, was denied an extension of credit by Destiny XXXX Card. On XXXX XXXX, I applied for Destiny XXXX Card. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ) .Destiny has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XXXX XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Destiny should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.