davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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)

TransUnion LLC and XXXX listed a charged off account from XXXX XXXX on my credit report the end of last year, XXXX. I disputed the information and asked for them to send proof that I indeed did own the account. They couldn't provide me with the information therefore they deleted it from my account in XXXX of XXXX due to no findings or proof. Then, in XX/XX/XXXX the account reappeared back onto my credit report and when I filed a dispute now they're saying the account is valid but sent no proof of showing their findings, just that it's valid. The inconsistency of their reporting shows how it can not be trusted. I ask that Transunion and XXXX delete the XXXX XXXX charge off from my account immediately if they can not provide me with a contract or proof that I own the account.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I graduated in XXXX with a BA in XXXX XXXX. After college I struggled for a few years to pay my student loans on time because I did not make enough money to cover the costs of my obligations and expenses. I turned my situation around by changing careers and have made regular monthly payments for over 10 years but my balance has barely moved and my estimated pay off date continues to change. 

I have XXXX loans totaling : The original balance on my first loan was {$26000.00} as of XX/XX/XXXX. Today the unpaid balance is {$24000.00} with an interest rate of XXXX. The original balance on my second loan was XXXX as of XX/XX/XXXX. Today the unpaid balance is XXXX with an interest rate of XXXX. Both of the above loans have estimated pay off schedules with a date of XXXX. What I do not understand is how each loan is reporting a 53 % pay off when the balance has not moved and the dates are estimated. I have tried several times in the past 5 years to call and ask questions about my loans and even requested copies of the note so I could better understand but no one seems to be able to assist me or offer alternative solutions for my pay off plan. 

In XXXX I sold my home and used the proceeds to pay off a larger private loan but I do not see as an option to pay off the remaining balance but I also do not see the balance moving so I am concerned my payments are not being applied accurately and no alternative options have been provided. I paid off a car with a higher interest rate in less time then I have paid my student loan. I need someone to help advocate for me.
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022 I received several calls on my caller ID cell phone from Bank of America I was on the phone with the vet and could not answer when I called back after sitting on hold for 20 minutes they called back in so I answered I was asked if I was trying to send {$3400.00} to a XXXX XXXX in North Carolina XXXX XXXX. I said no. I also got a text about the same thing and again replied no. The gentleman adapt time proceeded to tell me my information from the bank as in he knew my address exactly how much money was in the account my phone number to verify it was me and they called on the Bank of America line. He assisted me through adding my phone number back onto my XXXX account as it was taken off. At that point he said the money should be back into my account within 24 hours because it was caught early or 10 days that he was from the fraud department. The next morning the money was not in the account therefore I called Bank of America finding out that this was actually a scam I explained that he use their phone number and walked me through step-by-step how to add my number back onto XXXX. As soon as I had hung up the phone with him I received yet another text message stating that I had sent {$3400.00} to XXXX XXXX. Which I did not do I called Bank of America to the freight fraud department they said they were working on it that was Wednesday Monday call Bank of America yet again XXXX spoke with XXXX XXXX location he called spoke with a XXXX claims so that they had 10 days if they could even get it back.on Thursday XXXX XXXX PM spoke with a XXXX out of Texas she finally gave me a claim number which I had not had up until this point. She told me it was being expedited I told her I had not still received any correlation through XXXX or Bank of America in regards to this matter. She told me to contact the IC3 and put in a claim. I did so. On Monday XXXX call Bank of America still no update at that point they told me it would be 10 to 45 days I explained that I have bills to take care of I also take care of a handicapped sister. And if shes not taken care of I could be in trouble with the law and she said she was sorry called yet again Wednesday XXXX explaining how I had already contacted you guys or were in the process of Im sorry along with the FDIC and the media and that I still got no response from anybody I had to borrow money from a XXXX XXXX so that I could buy groceries I have now been told that I have to for 24 to 48 hours to them decide if theyll even give me emergency funds and this was after I spoke with a manager XXXX the girl XXXX had sent me to yet again out of Texas. She did say that I still may not get the money back. Please help. This is all through Bank of America in XXXX
Consumer complaint received 2022-06-13
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. (NY)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 Account # XXXX XXXX XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (GA)

Since 2018 I have made countless request to have this debt validated. I have asked for itemized bills, I have made official disputes and I never get any response on the validity of this debt nor can they prove that it is my debt. I do not have any knowledge of this debt.
Consumer complaint received 2022-06-15
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

I used Equifax to monitor my credit report at that credit reporting agency and they have been asking for personal identification multiple times without having an updated credit report. I also am unable to add a personal statement to my credit report for a derogatory credit entry that I am trying to explain.
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MI)

In XX/XX/XXXX PHH Mortgage acquired my mortgage from XXXX XXXX. At the time of the acquisition I was just finishing 6 months of forbearance, as allowed by the federal government due to Covid, and ready to resume making payments XX/XX/XXXX. At the time of the acquisition, my Principal balance was {$150000.00}. When I received the statement from PHH they said my Principal balance was now {$150000.00}, which was quite a surprise. They had split my mortgage into 2 separate balances, {$6400.00} added to the end of the loan as non interest bearing from the forbearance, and {$140000.00} for the regular principal. Through several back and forth phone calls with PHH no one was able to explain the Non-Cash Adjustment of {$2300.00} on XX/XX/XXXX. They kept telling me they'd have to send it to the research department and call me back in a week. They always called back in a week and still couldn't explain what it was. They would just say that it's a Non-Cash Adjustment, but couldn't tell me how they arrived at that figure, nor why it reduced my principal from {$150000.00} to {$140000.00}. They also couldn't explain why the 2nd Non-Cash Adjustment ( this one for {$6400.00}, also on XX/XX/XXXX ) INCREASED my principal. By my calculations, they're charging me {$4000.00} and can't explain why. I've been very patient with them, giving them every opportunity to provide a reasonable explanation, but no matter how I figure it, it doesn't make sense to me. I'm not unfamiliar with mortgage terms, as I worked in banking, finance, and mortgages for 12 years at 3 different banks. If you can assist me that would be wonderful. Thank you.
Consumer complaint received 2019-03-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Quick Debt Services LLC (MO)

ONORABOUTXX/XX/XXXX,IFILEDDOCUMENTWITH(XXXXXXXXXXXX)SERVICETOSET-UPREPAYMENTOFMYSTUDENTLOANS.ISOONLEARNEDTHRU(XXXX)#XXXX.THISCOMPANYWASAFAURD,ANDBEGANTOCALLTOCANCELANYMOREPAYMENTTAKENTHRUTHEBANK.SINCEXX/XX/19IHAVENOTBEENABLETOGETARESPONDIWASADVICETOCALLTHISSERVICEANDFILEACOMPLAINT.IHOPEYOURCOMPANYCANHELPMEANDFUTURESTUDENTSTHATFALLUNDERTHISTYPEOFSITUATION,
Consumer complaint received 2021-10-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference. experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have two negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify and remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$430.00}
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (CO)

An unauthorized party stole my debit card information and withdrew funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/20 to XX/XX/20. I discovered these withdrawals on XX/XX/20 and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I filed a police report and provided the report information and the declaration of fraud to their fraud department. American Express had repeatedly denied my disputes without providing reasons for the denial. After several dispute attempts, they closed my account.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

charge with promotion made in XXXX. charge made in XXXX different payment structure. 
I utilize the mobile app to pay which only shows 1 balance. App does not alert you that if you have multiple transactions with multiple pay structures, you must CALL the company to allocate your payment to the different balances ( that again are not displayed separately but as one balance ). Payments have been made monthly based on minimum payment however payment ( unknown to me until now ) is then divided between the different transactions resulting in the transaction with the promotional interest deferment to not be " paid '' by the promotional expiration date. In addition, all of the interest has now been added to the balance so that now when I pay my monthly bill over the minimum ( thinking I'm paying down by balance a bit quicker ) I am not as my " extra '' payment amount is barely covering interest that continues to accrue on the other transaction. This is completely confusing and unfair to customers who pay diligently. It seems deceiving and not having this information available on the mobile application ( with the rationale that it can be seen on the website ) is counter to reasoning of mobile pay. I was also told that I could set up alerts in the future for any other promotional balances and when I asked for assistance on where to find that on the mobile app, I was again told I had to do it on the website! They offered to allow me to pay the balance of the one transaction today, but I would also have to pay the minimum for the other transaction totaling almost XXXX! This is not helpful at all.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

Hi Sir, I would like to file a complaint against Wise US Inc . 
I was victim of a scam. The scammers robbed me XXXX USD from my Wise account. I complained to Wise and the final answer was that I will not be refunded. I believe I should be refunded. Below you find more details. 

I tried to make several XXXX transfers from my XXXX  bank account ( XXXX XXXX ) to my Wise account. Due to the international sanctions applied to XXXX, it was extremely difficult for me to get these transactions done. XXXX  scammers approached ( pretending to be from the Customer Service ) me and told me that they could help me to finish this process. They said all I had to do was to transfer money to one Wise account and then I would get all my transactions done. So I transferred XXXX USD to another Wise account ( transaction number # XXXX ) and then I realized I was a victim of a scam. As soon as I realized I was a victim I contacted Wise and filed a report to the local XXXX  authorities. 

After some investigation Wise confirmed the scam and denied my right to get a refund. 
As I'm a resident from XXXX, I also tried contacting XXXX XXXX XXXX and ask for a refund. But they responded that since the transaction was carried out in USD, they can't help me. They said I should report to the US Wise team, because the transaction was carried out in USD. 

I believe that since I am a victim, and the scammers used an Wise account to carry this scam, Wise should refund me 100 % of my loss. 

Attached to this file you find : - A police report ( XXXX  ). It is in XXXX. But I can provide translation if required. 
- Conversation screenshots where the scammers tell me I need to use Wise to get help. 
- Scam transaction pay receipt. 
- Official response from Wise XXXX ( where Wise XXXX are ) based team where they confirm I was a victim of a scam but can't refund me. 
- XXXX Video Call record. Since the scammers contacted me through XXXX, for safety measures I decided to record the video call. There you find the exact moment I realized it was a scam.
Consumer complaint received 2024-02-29
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. (UT)

I had filed a complaint against Trans Union on XX/XX/2024 identification number XXXX trans responded that they would get back to me in 60 days. This is not acceptable and I Do Not Consent.

The relevant law is the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which deals with procedure in case of disputed accuracy. Here is the relevant excerpt : " Section 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' In other words, if I dispute an item in my credit report, the credit reporting agency must investigate the dispute and either update the status of the disputed item or delete it from your file within 30 days of receiving your dispute notice. 

If Trans Union fails to comply with the Fair Credit Reporting Act ( FCRA ) and does not respond to my dispute within the 30-day timeframe as required by law, I am entitled to certain damages and penalties. Here are some of the potential fines and penalties that Trans Union may face for non-compliance with the FCRA : 1. Statutory Damages : Under the FCRA, if a credit reporting agency willfully fails to comply with the requirements of the Act, the consumer may be entitled to recover statutory damages ranging from {$100.00} to {$1000.00} per violation.

2. Actual Damages : I may also be entitled to recover any actual damages I suffered as a result of Trans Union 's failure to respond to your dispute in a timely manner. 

3. Punitive Damages : In cases of willful non-compliance or egregious conduct, a court may award punitive damages to punish Trans Union and deter similar conduct in the future. 

4. Attorney 's Fees and Costs : If I have to take legal action against Trans Union for non-compliance with the FCRA, you may also be entitled to recover your attorney 's fees and court costs.
Consumer complaint received 2020-11-06
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. (NV)

These accounts listed are not my accounts. I was a victim of identity theft. I have provided my correct personal information and I am submitting my personal documentation. I can assure that I am not a credit repair company and or a mortgage company. Please remove those bad items from my reports. Thank you.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (CA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2022-07-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (NY)

i stop at XXXXXXXX XXXX my account is in hold all my funds are in hold by collection agency LVNV Funding LLC A/P/O a judgment date XXXX XX/XX/2008 original creditor XXXX south dakota XXXX, i have credit card a account with XXXX XXXX but im never late payments or any judgments im planing to buy a house i review my credit report every month tha particular account or judgment is not on my credit report on the 3 bureaus so how is possible my money its on hold
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

My Macys account, Best Buy account, and XXXX account with Citi bank have all been closed by Citi bank on or about XX/XX/XXXX and XX/XX/XXXX. All of these three accounts were always paid on time and show good status. However, all three accounts were closed by citi bank for no reason. I believe the reason they were closed was due to a error on the way fair account, which I tried fixing for over a year with citi bank. This error was correct on XX/XX/XXXX. However, my Macy 's, Best Buy, and XXXX account are still close which continues to affect my credit.