davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I purchased a ticket for the event, XXXX XXXX XXXX XXXX, for {$300.00} under the organization XXXX using my Bank of America debit card. Later that year on XX/XX/XXXX I closed my Bank of America account. However, the event ( scheduled for XX/XX/XXXX ) that I bought tickets for changed their location and dates late notice and thus began issuing refunds. On XX/XX/XXXX I ordered a refund for my ticket. However after 1.5 weeks of waiting, I realized the refund I had asked for was sent to my closed Bank of America account. 
I filed a dispute with Bank of America mid-XX/XX/XXXX to determine if I could get my refund of {$300.00} that was sent to my closed account however it was denied because they state that after 3 months of closing the account the account is completely dissolved and any refunds being sent to the closed account after more than 3 months would automatically bounce back to the merchant. 
In an email sent to me on XX/XX/XXXX XXXX claims to have sent my refund successfully to Bank of America and claims my refund was not sent back despite it being sent to a closed bank account. In order to help me more, XXXX insists I supply them with documentation from Bank of America that the refund bounced back, however Bank of America states they have no documentation that they can show of the bouncing back of the refund because my account was closed for more than 3 months. 
After dealing with both Bank of America and XXXX, neither show they can locate where my refund is exactly and I have yet to receive it.
Consumer complaint received 2022-10-26
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. (TX)

I am complaining about the creditors who are reporting fraudulent information on my credit report. I have been sending dispute letters to the bureaus, but I get no response from them. I am hoping you could help me.
Consumer complaint received 2019-02-05
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. (GA)

I have sent multiple letters to Transunion, XXXX  and XXXX  requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX services and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.
Consumer complaint received 2021-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (NC)

In XX/XX/XXXX I enrolled in XXXXXXXX XXXX XXXX. I attempted to cancel several times. Received confirmation of cancelled class in XX/XX/XXXX. They did not offer the type of service advertised and my advisor was in XXXX which made it difficult to communicate. XXXX contacted me on XX/XX/XXXX to sell the loan for 1 month of service to XXXX. ( Only did classes up to unit XXXX ) I responded to them on XX/XX/XXXX highlighting that I did NOT consent to financing one month of service with XXXX  I called XXXX  on Friday XX/XX/XXXX. To get more information on the loan. They refused to confirm loan amount, they refused to provide any assurance that they would resolve this issue. I highlighted several times I did not consent to financing this amount. I am making this CFPB complaint because I don't have any idea what terms XXXX  signed me up for it what fraudulent information they provided. I consented to financing the whole class at enrollment but once cancelled I had to pay for the time I was there due to XXXX  XXXX agreement with XXXX XXXX  took on this loan knowing it was likely fraudulent since it's outside of their standard financing agreement. 


XXXX  sold this loan to XXXX Connect for servicing. I received no notification of service transfer.
Consumer complaint received 2023-08-18
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. (AZ)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (CA)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried multiple ( 4-5 times ) time to pay my credit card balance online at www.capitalone.com before due date, Due to their inability to get payment from XXXX XXXX, They charged me late fee plus interest and They cancelled my credit card account and reported to my credit history bureau XXXX I inquired at bank to get the answer of not clearing the credit card payment even there is more then sufficient balance in account. 
There was not satisfactory reply from bank staff ( XXXX XXXX  ) Credit card payment processed every time I signed for auto pay / one time payment successfully when I paid online then after 2 days I got the notification of non payment of balance. 

XX/XX/2022 PAST DUE FEE {$39.00} XX/XX/XXXX XX/XX/XXXX PAST DUE FEE {$39.00} Total Fees for This Period {$39.00} Spark Cash Select credit card | Capital One account ending in XXXX XXXX XXXX, XXXX  - XX/XX/2022 | 31 days in Billing Cycle Page 3 of 3 Transactions ( Continued ) Interest Charged Interest Charge on Purchases {$75.00} Interest Charge on Cash Advances {$0.00} Interest Charge on Other Balances {$0.00} Total Interest for This Period {$75.00}
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

I made a large online purchase at Lowe 's using my Lowe 's Store Card in XX/XX/2019. During checkout, I was presented with the option for a 5 % discount or 24 months 0 % financing. I selected the 24 months 0 % financing option. 

Lowe 's Store Card, via Synchrony Bank, did not apply the promotional financing to my account and I was billed for the entire amount on my XX/XX/XXXX billing statement. Any unpaid balance would be subject to 26.9 % interest instead of having 0 % for 24 months. 

I called the Lowe 's Store Card customer service line and explained the problem. They informed me that they would correct the issue and issue a new bill to me.

Lowe 's Store Card never issued a new bill and they claim that my payment for the old bill is delinquent. In addition Synchrony bank has lowered by credit limit on this card by {$5000.00} which is damaging my credit score.
Consumer complaint received 2020-12-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (AZ)

second time disputing this account this month because XXXX clearly doesn't know the law, this account is not even close to being accurate to the original creditors. debt collector account say I owe {$200.00} and the original creditor say I owe {$550.00} this my dozen time disputing this account, XXXX  & XXXX  BOTH REMOVED THIS ACCOUNT BECAUSE THEY SEE IT HAS A HUGE VIOLATION. Please view the highlighted areas Thank you.
Consumer complaint received 2023-08-18
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. (NY)

I have no credit or theyre not showing anything for my name. Ive sent Equafax and XXXX copies of my SS card Drivers License and my Medicare ID card.

They got it and scanned it on their machines. At that point they said it was blury. It was very plain on the paper. So they wont put me in the credit bureau. Im trying to buy a house. 
My grandma put me on her XXXX account so I could get credit established. I dont know what to do.
Consumer complaint received 2019-04-16
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. (GA)

There is a Collection Agency that has been listed on my credit report. I have no knowledge of the debt. I am unable to contact the Collection agency to resolve this matter. I believe this debt is invalid and is not mine. This company must provide proof of validation of a contract of an obligation of debt. 

Account Name : XXXX XXXX Account Number Unknown
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # 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 2020-12-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (GA)

We signed with this company to refinance our VA Home Loan for a lower rate. They baited us with a {$100.00} Visa Gift Card in the beginning. The loan officer has been gracious, professional and efficient but the behind the scenes is another issue. The procrastination regarding closing this loan has been unbelievable!!! We should have closed by mid-XXXX. We have done all that we were requested to do including paying out of pocket for next years Homeowners Insurance policy because the XXXX XXXX, who has the original mortgage, did not pay the insurance policy by the due date and we believe it is because we were refinancing. 

To this date, no closing. Procrastination!!! Stalling!!! We have read that this company does not close deals in a timely manner unfortunately after we consented. 
Treating Veterans in this manner is unacceptable and this company should not be serving veterans if they can't deliver while advertising in a bait and switch manner.
Consumer complaint received 2020-01-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION (MD)

I closed on a HELOC loan with Pentagon Federal Credit Union on XX/XX/XXXX, My loan processor informed us after loan approval that they offer a special introductory rate offer of 3.24 % for 1 year, if we take an advance on the line at closing, we had to take it settlement to get this intro rate. The fixed rate of the introductory offer is 3.24 % for the first 12 months. We took an advance on the HELOC at closing as advised. However our billing statements- ( attached ) -does not and has never matched the actual interest rate accrued correctly, nor the interest rate calculated for the amount due. It states a rate of 5.00 %. We brought this to the attention of a supervisor at PenFed 2 month ago ( XXXX XXXX Supervisor Mortgage Loan Servicing Phone : XXXX E-Mail : XXXX ) When we saw this error on our dashboard. XXXX and our original processor at PenFed acknowledged in several emails and phone conversations that they are having issues with their new loan origination Platform system designed for 1st mortgages and is not working correctly for HELOC 's at this time. 
I was informed they are aware of the error and asked to be patient and assured that the problem will be corrected shortly. It has now been more than 60 days of communications and we still can not get a correct interest billing statement and corrected interest charges for last year for taxes. And so far this year our statement is still incorrectly being displayed on our dashboard- ( billing statements attached ). Today we received a billing statement for our loan and it now shows us past due! It  does not reflect all payments made to date by auto debit from my checking account from XXXX XXXX XXXX to PenFed. We are getting nowhere fast on these communications unless we keep calling and emailing for updates. What's more! IS our PenFed dashboard now shows two open HELOC loans and two different account numbers?, it's a real mess. At this point, we are just plain worn out and tired of the time and energy we have spent on this issue. We want to out of this loan and want to rescind this loan, have our fees returned. This whole process has been a total mess from start to closing, which took PenFed over 135 days to process and resulted in having to have a new hard credit pull which lowered our score and now we are concerned about our credit rating and the risk of a misreporting us as past due?
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

In accordance with FCRA. this creditor has violated my rights under XXXX XXXX XXXX, Sec XXXX, states I have the right to privacy, XXXX XXXX XXXX, Sec XXXX ( a ), Section XXXX, states a Consumer Reporting Agency can not furnish an account without my written instructions! Under XXXX XXXX XXXX ( b ) a creditor may not treat a payment on a credit card account under an open ended Consumer credit plan as late for any purpose. 
XXXX XXXX BILLING ERROR XXXX BALANCE INCORRECT : ACCOUNT WAS NEVER LATE.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

one inaccurate and fraudulent public records has been reporting under my name, this is a 100 % inaccurate information reporting under my name, i will be attaching my documents such as police report and the FTC report provided to both transunion and the XXXX credit reporting agency. please you are my last hope in order to have these inaccurate information be removed from my credit file. i need to rent a place and because of this inaccuracy no one is helping me, the customer service for both has been disaster and none helpful. please i need you r help in this matter thanks
Consumer complaint received 2019-04-16
Product: Credit card or prepaid 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: SUNTRUST BANKS, INC. (VA)

Suntrust Bank is refusing to resolve a claim. 

1. Suntrust Bank accepted the dispute on XX/XX/XXXX. Document attached. 
2. They asked for more information and documents on XX/XX/XXXX. Document attached. 
3. I have submitted all the information and documents they have asked. 
4. They closed the claim on XX/XX/XXXX. Document attached. 

The reason Sunturst is giving while closing the case is very poor and irrelevant. They accepted the claim even after 60 days from the billing date and under review process instead of helping customer they are closing the case. It shows how poor is their customer service. 

I even talk to their supervisor/manager regarding the claim. They too are not interested in resolving instead they said i can close the account when i mentioned how other banks are always ready to help the customer. They are not willing to make any exception. I have given thousands of dollars of business every month. 

The dispute contains very high amount somebody like me. I would really appreciate if they can resolve this issue.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXXN ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-02-07
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: Experian Information Solutions Inc. (CA)

I received an email on XX/XX/XXXX from XXXX XXXX that any fraudulent trade lines related to my report have been removed. But as of today Experian still has NOT deleted this from my credit report. 

Please inform EXPERIAN to remove this since it has been more than 30 days Account : XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX and I have submitted multiple disputes asking for verification of the mentioned accounts. No one is able to provide me with any Validation/ Verification. Attached is the proof I was given from multiple reporting agencies. Please check it out. XXXX, Experian, XXXX continues to Violate the FCRA. Attached is proof. They are reporting Inaccurate, Incomplete, unverifiable information. They were never given permission to reporting any of this information. And they never conducted an investigation into my claims. This is not a 3rd party submitting this claim this is me XXXX XXXX.
Consumer complaint received 2022-10-26
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. (TX)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX XXXX Account XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX XXXX Account XXXX
Consumer complaint received 2019-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had issues back in XX/XX/2015I asked my bank to close my account on my choice becouse there were errors and I couldnt deal with it so I asked to close the account. Now am denied to open an bank account in every bank I go to I keep getting letters.