davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-04
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. (NV)

I have attempted countless times to correct misinformation on my credit files with XXXX, Experian and XXXX. I have used all their apps, websites and have mailed certified mail with no response. In some situations the information is so incorrect I am unable to complete a dispute because I can not verify my identity with their programs. My name, date of birth, social security number, previous addresses, employers and derogatory accounts are all incorrect with too many errors to reiterate. They have cut me off from further disputes and NOT investigated my claims. I know there is absolutely zero evidence of many derogatory marks. It is effecting my credit ratings, interest rates and approvals. I have over 22 inquiries on one report because I can not open accounts because of this ; so I must try many companies to get minor limit, high interest accounts and I can not overcome the damage they refuse to address. I have been working for almost two years on this I have gained little ground.
Consumer complaint received 2022-12-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made an online deposit for XXXX dollars and was told by the app that my funds would be available on XXXX XXXX. 

BOA has arbitrarily changed that date to XXXX XXXX. 

Despite the fact that I have been a - customer for XXXX  years - routinely move XXXX through my account- The check was from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - And they cashed a check less than XXXX weeks ago for twice that amount from the same company. 
- They acknowledged they would have the funds on the XXXX. So this is willfully playing the float. 

I am changing banks and suggest that no one do business with Bank of America.
Consumer complaint received 2021-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I have made several attempts to request valid debt validation via certified mail with Portfolio Recovery & Associates to no avail. It has remained on my credit negatively for quite some time. XXXX  has removed for lack of validity, but the other 2 bureaus ( if you can ever talk to anyone ) refuse to remove this collection. Why would one bureau remove and not the others? I decided to just make a settlement ( all I can Afford in the covid pandemic ) because Recovering economically from covid is going to be hard enough with good credit. My offer was laughed at.
Consumer complaint received 2017-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

This complaint is in reply to the completely bizarre response I received from Bank of America to my last complaint filed through this website -  XXXX . While I could not have been more clear that my complaint was a direct result of  BOA 's  failure to provide a direct answer to a simple question from an earlier complaint, the company then replied  ( after nearly 4 weeks ) and said : " After reviewing your request we were unable to find a change in your situation, or unaddressed concerns. Given this circumstance, weve closed your reques ''. However the fact is that the entire complaint was about an 'unaddressed ' concern. If the CFPB is going to go through the trouble of having this website, it should not allow companies to blantantly lie in their responses to clearly communicated requests. If so, what is the point of the site in the first place? So, I guess I 'll try again, and this time, I 'll even be more clear ( as if that  's possible ) : Dear BOA, HERE IS MY SO-CALLED 'UNADDRESSED ' CONCERN : you have failed to answer a simple question regarding BOA  's ownership of my note and mortgage, OR the j udgment debt that resulted from the alleged default on my home loan. HERE IS THE 'YES OR NO ' QUESTION ONCE AGAIN : HAS BANK OF AMERICA  XXXX  OR ANY OF ITS SUBSIDIRARIES, EVER OWNED THE NOTE AND MORTGAGE THAT APPLIES TO AND SECURES THE LOAN ON MY HOME, OR HAS BOA EVER OWNED THE JUDGMENT DEBT RELATED TO SAID L OAN? For the purpose of answering this, I 'm NOT asking if BOA has ever 'serviced ' said loan. I understand you have already answered that you have not. Please do not treat this as a similar request. It is not. Please answer the simple question above with either a 'yes ' or a 'no '. If yes, please provide specific details as to when the note and mortgage were acquired, and if BOA  continues to own said note.
Consumer complaint received 2022-10-11
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. (NJ)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, the date

opened is inaccurate. This is ground for removal. They also violated my rights under 15. U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc. (PA)

In XX/XX/XXXX I took out a credit repair money lion loan with Money Loin they advertise that they give loans up to {$1000.00} and will give you so much upfront and put the rest in an escrow account. and in return you pay a {$20.00} a month fee for their credit repair services this loan is not avail with out this service. 

XX/XX/XXXX I contacted money lion about closing my loan I was told if I paid the balance {$420.00} with my debit card the loan would close and the escrow would be released immediately. so I agreed and paid the {$420.00}. here is where things go sideways. 

I have a few issues at this point the escrow was never released and to date hasn't been I called twice now and every time I call I get different information from the reps first I get told that I have to wait 1 day for things to process then im told 3-5 days then I was told 3-5 days for the payment to post and 3-5 for escrow to clear. and I feel  this I a blatant violation of truth in lending first they charge a {$20.00} per month fee to use their loans which make the interest on this loan essentially 105.93 % but because its a " FEE '' that some how makes it legal. when I started to do the math it didn't add up because on their lending paperwork im told I was taking a {$500.00} loan at 5.93 % and the Toal interest was {$15.00} and some change but no where on their paperwork do they disclose that I have to pay this service fee to use their program that's elsewhere on their paperwork so for a {$500.00} loan I end up paying {$1000.00} that's just plain robbery and then when you call them out on it and try and pay your loan off they XXXX you over and hold your escrow and just give you XXXX   excuses about the escrow and how long it actually takes to clear. this company is praying on those with week credit and should bee looked into. when I told the supervisor XXXX that I planed to file a truth in lending violation he was nonchalantly like ok that's fine because I can't do anything for you. that is just bad business all around.
Consumer complaint received 2015-12-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax is reporting that I have an outstanding debt of over {$2000.00} on an XXXX XXXX XXXX account, which has now been turned over to a collection agency. I have never opened an XXXX account, however due to ID Theft, I have disputed this with Equifax in the past and the account was removed. Now they are reporting this debt in my name again.
Consumer complaint received 2021-11-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I had a loan through Santander Consumer USA. After about a year and a half my vehicle was repo 'd and I had no way to pay off the remainder of the balance. I was already involved in a lawsuit against Santander Consumer USA regarding them purposely giving out loans to people on terms that they knew they could not pay back. I was advised that once settled ( which it was ) I would receive a check ( I got {$480.00} ) as well as removal of the repo and account from my credit report. 

I have disputed the report now twice and twice now Santander has retaliated and reopened the report tanking my credit score by over 100 points. This is not fair, this company fraudulently was caught and now they are continuing to make my life hard instead of just moving on. They lost the $ XXXX suit and are still badgering me when I have moved on.
Consumer complaint received 2020-02-14
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)

I lost my wallet some years ago, after this incident I have been getting bills and letter from different places, that's when I started to become suspicious about my identify been stolen, finally I check my credit an found a numbers of accounts that I don't recognize, so I'd Like to report this event and ask for your help to remove these fraudulent accounts from my credit.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I have had a problem with my Sam 's Club Credit card since I opened it last year. Not sure if it is the bank or just Sam 's Club, but there are some very questionable and misleading practices they have that are alarming. 

When I opened it, I was told the card was accepted at Sam 's and Walmart stores. I also was told that if I made a purchase within the first 90 days, I would get a credit of {$45.00} on my acct. I did, and when I went to pay the balance off, I inquired when the {$45.00} would be posted and was told the date. After that date passed with no credit, I inquired and was told " You didn't make the purchase at Sam 's Club. '' They were NOT explicitly clear as to where the store the purchase needed to be made and it was misleading because it was also stating the card could be used at both. 

Most recently, I had an issue where I had signed into my acct on XX/XX/21 to see when the payment was due, as I had not received an email stating it was time for the payment. I saw that the due date was XX/XX/21 and I was a few days late. I clicked " Pay the minimum payment '' button and went through the steps to pay the minimum payment. I even asked a chat rep if there would be a late fee and he said he would waive it. Then, today, XX/XX/21, I checked my bank acct and the full balance -- over {$400.00} -- had been taken, leaving me with an overdraft. Sam 's Club Credit would reverse it or cancel it and basically said, " You made a mistake. '' They have shady, misleading, and deceptive practices and the bank that is behind their credit cards needs to be investigated. People need to be warned to NOT open a credit card with them, as they are fraudulent.
Consumer complaint received 2017-12-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants, Inc ( DCI ) tried to collect on already invalidated, declared fraudulent account with XXXX XXXX. I have never owned a XXXX Phone or device in my life. I do not own this account and filed all the appropriate paperwork with XXXX and DCI to dispute the incorrect association of my name with this company. Both comapnies have assured me that I am not associated with this fraudulent account but DCI still filed a negative amrk against my credit today, XXXX/XXXX/XXXX. In violation of the Fair Credit Reporting Act and also in violation of the Fair Debt Collection Practices Act, they began making harassing phone calls in XXXX of this year using an auto-dialer to my cell phone, which I finally had to block. I sent them a " validation letter '' and they never replied. 

I just sent another, certified mail this time. I have now filed a complaint against them with the Georgia Division of Consumer Affairs, the Better Business Bureau of Georgia ( against DCI ), and against XXXX XXXX with the FTC 's Bureau of Consumer Protection. 


This is a lot of hassle they are putting me through for {$2100.00} that I do n't owe. They assured me the account was not associated with me any longer after following all the stops. If they do not remove the mark, my next step is small claims court here in Georgia for : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character I will seek punitive and statutory damages and an injunction against them illegally re-aging debt in our state.
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

Refuses to pay owed escrow from a payoff. The loan funded on XX/XX/XXXX, called and they refuse to show evidence or send a check to pay the balance of the escrow account. I spoke with XXXX ( Operator XXXX ) with the escalation, and he flat out refused, telling me to mail my concern to a corporate address. 

This is for loan XXXX
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, as well as the reporting agencies have violated my rights. I am promised the accuracy of my credit report by Federal Law and I am making another attempt to have these errors corrected on my credit file under 15 US Code 1681.

The facts related to and the reporting of said accounts are inaccurate, false, and misleading. They are causing undue stress and violating my rights according to 15 USC 1681.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc (CT)

Re : Loan ID XXXX On XX/XX/XXXX I made 1 payment of {$59.00} to Affirm for Loan # XXXX. Affirm took the liberty of charging my card XXXX additional times for the same amount and are refusing to refund me the overpayments. This is not the 1st time I've had problems with this company. Previously, they turned on AutoPay on my account and blamed me for turning on AutoPay. 

I tried contacting the company through their HELP feature but to no avail. Their website is very frustrating and there is also no direct phone number available to contact the company. When I finally did receive a respond, I tried responding back but there system posed an error. Then I finally got in touch with someone on XX/XX/XXXX and he stated he could not refund me the overpayment because it was too late even after I explained that I tried contacting the company multiple times. 

This company 's customer service is horrible. They do not readily make their phone number available to customers, repeatedly turn on AutoPay on my account without my authorization and blamed me for turning it on and now blaming me for the overpayments which I did not authorized. Unfortunately, there is no proof I can provide that the company did all these things because its within their payment system which I don't have access to but I've been dealing with this company for quite some time and they have a history of bad business practices.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OH)

Was unable to retrieve my annual credit report from Equifax online. The questions were deceiving and there were some where i could have chosen more than XXXX correct answer. I also had a copy of another credit reporting agency so i knew the answers were correct. My wife also tried to get hers and had the same problem. I also sent in via mail the documents to show and all i got was more letters stating to send in more of the same documents. this happened XXXX.
Consumer complaint received 2021-11-17
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. (MI)

I have previously disputed this item with you And you stated these items to be accurate and verified by the bankruptcy court. I personally contacted the bankruptcy court and they responded with a written statement that they do NOT report any information to creditors or credit bureaus in this case you guys are lying or just not fixing these errors either way you are breaking the law Fcra section 611 15 USC and every inaccurate item reporting should be permanently deleted immediately.
Consumer complaint received 2021-11-17
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. (TX)

I have a bankruptcy showing on my credit account, I put in a dispute to Transunion on XX/XX/29 and got the results back from them verifying the information on XXXX. This information is inaccurate. They advised that the court reported to them to verify the information. Bankruptcy court confirmed they do no such thing. Also public record has the case number incorrect and this is not my file. This is someone with a similar name and ending social security number that lives in AZ.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

Experian and XXXX both refuse to correct erroneous information on my credit report. 

My account was paid in full and closed XX/XX/XXXX. 

They are reporting ai had a late payment XX/XX/XXXX. I did not even have an open account
Consumer complaint received 2022-10-11
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. (GA)

I Recently reviewed a copy of my credit report, i was shocked to learn i have been a victim of identity theft, i found numerous accounts on my credit report that was not open by me, this has been hurting me, please remove from my credit report as soon as possible
Consumer complaint received 2022-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

Despite requesting the removal of an in-school deferment both XXXX XXXXXXXX and MOHELA have continued to place my loans back in deferment. They have been difficult to contact by email and wait times on the phone have been in excess of 2 hours consistently. 

Please see attached form confirming that I have requested the removal of this deferral yet loans are currently still in-school deferment as evidenced by the attached PSLF application.
Consumer complaint received 2021-04-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Assistance Inc (NY)

I am filing a second complaint on Financial assistance. They are trying to collect on a debt for XXXX XXXX XXXX. I have never conducted business with this credit union. They do not do any type of business in my area nor do I even qualify for there field of membership. First financial responded in previous complaint that XXXX XXXX has verified the debt on 2 different collections they are trying to collect on. One of them the account number is XXXX and the other is XXXX. I sent the credit bureaus a request to block the fraudulent information from my file pursuant to section 605B on the Fair Credit Reporting Act and they requested the credit bureaus to unblock the account duet to Material representation. I am attaching a few dispute letters I sent them Certified mail I also emailed copies to an employee or supervisor by the last name XXXX XXXX
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been disputing since the beginning of XX/XX/2020. I received a copy of my credit report and found the following account to still be reporting inaccurately after your investigation. The accounts you are reporting is identified as a ( charge-off or collection ) yet you continue report past due balance. It would be impossible for me to default on payments after the fact. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being. Both Accounts are paid off still reporting past due.. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX