davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America has failed to comply with repeated requests for a loan pay-off statement. 

Bank of America has blocked me from their website for information regarding my mortgage status. 

Bank of America appears to be attempting to delay my closing on sale of my property in an effort to prevent proper HUD recording of my loan pay-off and force mortgage foreclosure litigation.
Consumer complaint received 2022-02-22
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. (OK)

I have informed the three credit reporting agencies ( XXXX, TRANS UNION, AND XXXX ) of the fact that I am a victim of fraud and/ or identity theft. I have sent the three credit reporting agencies my FTC identity theft report along with the appropriate proof of identity, the identification of the information on my consumer credit file resulting from identity theft, and a statement that the information is not information relating to any transaction by me. I have also demanded that they block the information on my consumer credit file no later than four business days, pursuant to 15 USC 1681c-2. Its Been 11 business days since their receipt of my documents listed above and the information still remains on my consumer credit file. 

I am aware of the credit reporting agencies right to decline a request a block, and or rescind any blocked information relating to the consumer if the consumer reporting agency reasonably determines that 1. the information was blocked an error or a block was requested by the consumer in error, 2. the information was blocked or a block was requested by the consumer on the basis of a material misrepresentation of the facts by the consumer relevant to the request to block or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

i have affirmed via an affidavit that there is no material misrepresentation of the facts being made by me, the consumer. if the three credit reporting agencies believe I obtained possession of goods and or services I need a senior executive member of the company to respond with proof via an affidavit signed under the penalty of perjury.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nevada Credico, Inc. (NV)

Quantum Collections had me sign some document of there for {$1000.00} dollars in late fees if I'm a date late. I was never sent nothing in the mail to dispute the bill. Quantum Collections. the original bill is {$480.00} which was owed to XXXX XXXX  XXXX XXXX. Quantum Collections had there own document for the extra {$1000.00} dollars.
Consumer complaint received 2019-07-30
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Chapter XXXX Bankruptcy : Bankruptcy
Consumer complaint received 2021-03-10
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 — Problem with personal statement of dispute
Company: Kashable LLC (TX)

After speaking with collection mgr at Kashable, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems Kashable has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!
Consumer complaint received 2019-07-30
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: CITIBANK, N.A. (TX)

I have a loan with CITIMORTGAGE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CITIMORTGAGE with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2022-10-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2022 @ XXXX, I went to a Navy Federal ATM XXXX XXXX XXXX TX XXXX I was making a {$500.00} deposit and the atm had taken the money for the deposit. But the atm shut down in the middle of the transaction. I called customer service immediately while this happened and they made a dispute but could not credit my account the {$500.00} even though this atm is serviced by Navy Federal itself. They told me itll take up 10 business days even though the fault was theres. Now Im out {$500.00} that I was needing going out of town for bereavement.
Consumer complaint received 2021-06-11
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. (TX)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXX reported as charge off with balance but 3 credit bureaus report different credit limits! XXXX XXXX reported as charge off when In fact I was never late.. I paid the account on time until I was able to fully paid them. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Credit Bureaus violated federal law by not properly investigating within the required time frame
Consumer complaint received 2022-12-02
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. (TN)

On XX/XX/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. 

Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. 

XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. 

Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. 

TransUnion, XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.
Consumer complaint received 2022-02-22
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: Resurgent Capital Services L.P. (MO)

There are several things wrong, but I was a victim of identity theft in 2017 and several accounts were opened in my name. One account in particular XXXX XXXX through the original creditor of XXXX XXXXXXXX is listed twice on my credit report. Once with the original and once with the debt buyer. I did not open this account first and foremost, but you can not legally show the same debt on my credit report twice with different open dates. The identity theft occurred in 2017 but the debt buyer listed a totally different open date years later.
Consumer complaint received 2022-02-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. I demand that these inquiries, collections, and accounts be removed from my credit profile immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX OHIO - {$2800.00} Account Number : XXXX Delete from my credit report. XXXX XXXX XXXX - {$0.00} Account Number : XXXX Delete from my credit report. XXXX - XXXXXXXX XXXX XXXX - {$490.00} Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc ()

Paypal holds my money for 180 days, and the big issue is all the money I have is there, and my pocket is empty XXXX their customerservice, they don't even care about people 's lives .. I submittedall the documents they asked me for, but unfortunatelythey didn't let me continue my work or even send me 50 % of my money to stay alive .So I decided to text you and I have all trust that you will step in and help me to solve this issue, that will be greatly appreciated .Thank you
Consumer complaint received 2019-07-30
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. (NC)

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX SER, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX I went to review my account as I do periodically. I noticed 4x over draft fees posted on my account on XX/XX/XXXX On XX/XX/XXXX my account ended with a balance of XXXX. On the 3rd I deposited an additional XXXX. A total of XXXX in positive funds. 

A total of XXXX in debits posted on XXXX. So even with the XXXX in over draft fees applied I was net XXXX in the positive. 

When I contacted my bank about the mistake they had made I was told I was mistaken even after going line by line over the account statement.
Consumer complaint received 2022-02-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (MN)

I got my first car loan on XX/XX/XXXX and on XX/XX/XXXX, I decided the interest rate was too high for building credit so I made a balloon payment to pay off the whole loan. It showed {$0.00} left for me but I wasn't aware of the little interest left that didn't show up until next month so I missed it. Fifth Third Bank ONLY sent letters to my address that I wasn't living in and never sent me a single email about this issue. I change residency frequently because I'm chasing temporary jobs for job experience. They sent letters to my address in XXXX. I left XXXX  late XXXX and I've been living in XXXX  ever since. 

I checked my account, they do have my email on file and their emails do not get marked as junk either. I got a late charge on XX/XX/XXXX and only after they mark my account as delinquent in XXXX is when they decided to call me about the issue and I made a payment over the phone and it was fixed right away. 

I check my email every day and all my banks ( besides Fifth Third Bank ) and credit card companies send emails and letters to me. 

They didn't offer me any help other than to make this complaint. Please remove this from my credit history. This doesn't reflect fairly of my credit trustworthiness since I didn't fail to make a payment in time and Fifth didn't properly inform me about it.
Consumer complaint received 2021-06-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format formate ignoring to report. 

Please see attached documents as a proof of me sending the letter. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is injurious to my character and is obstructing my capability to obtain mortgage.
Consumer complaint received 2021-06-11
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. (GA)

I sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax, XXXX  and XXXX  investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CT)

I used a 0 % promo check to transfer a balance from a XXXX XXXX over to my JetBlue card by Barclays. When I received the new statement with the transferred balance, the interest rate was 24 % and a transaction fee. I was aware of the fee but not the rate. I continue to receive 0 % checks from JetBlue/Barclays almost every month, so I would like that promo applied to my balance.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (AR)

To my surprise I found out that I stilled owed as much as I did when i bought the car. My insurance company is paying XXXX to Santander and they say I still owe them XXXX. First of all they gave me the loan frauduently as well as reported to the credit bureau 5 late payments in a row which is not true. I called and made arrangments on onXXXX late payment and they agreed and I followed through. That inaccuracy cost me a XXXX job. 
i called and explained it to them only to be told I would have to fix their mistake too all three Credit bureaus which takes atleast 30 days, I paid XXXX for for 3 years and still owe as much as when ipurchased the car, Also the co signor on my car XXXX XXXX over a year ago and i contacted them and they did nothing to remove her which causes me problems every time I get car tgs because has to be cleatanve on past due taxes and its hard for her to pay taxed when she is dead and yet they put me through it. 
At the time of loan i was told that I would have gap and warranty coverage which i paid for but they said it was added. 

I feel like they are getting XXXX from insurance and my 3 years of payng XXXX a month that should cover XXXX dollor loan. instead they are asking me to pat an additional XXXX after the insurance pays them. I was a candidate for the lawsuit nut i choose to pay my payments and carry on. I was lied too assaulted by false cedit information and fraud loan. I cant talk with anyone at Santander because the customer service people whom i cant understand will not give a phone number for help, Please see if there is any possible thing i can do to avoid giving them another dime. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-20
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. (IL)

On XXXX2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my grievances.
Consumer complaint received 2022-02-22
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. (MD)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.