davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called transunion, XXXX and XXXX to speak to a supervisor regarding my hard inquiries which are reporting inaccurately I have 6 hard inquiries from auto loan lenders reflecting on my transunion credit report on XX/XX/XXXX of XXXX from a new vehicle purchase I made their should only be one inquiry for that vehicle purchase reflecting on my transunion credit report not 6 and on XX/XX/XXXX of XXXX I have 3 inquiries reflecting on my transunion credit report from another vehicle purchase I made which I should only have 1 inquiry reflecting from that encounter aswell the same goes for my XXXX and XXXX credit report the credit bureaus wont anything about it I was told to reach out to the lenders and request a letter of deletion but I already did that and the lenders will not grant me that letter of deletion the lenders are saying its the credit bureaus I need to contact Im tired of the run around my credit report shouldnt be reflecting multiple inquiries on from the same transaction within 14 days I want these inquiries removed
Consumer complaint received 2021-06-14
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: Santander Consumer USA Holdings Inc. (CA)

SANTANDER - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

My student loan was transferred from XXXX to XXXX in XX/XX/XXXX. Loan was taken over by XXXX and subsequently forgiven by the US Dept of Education in XX/XX/XXXX. XXXX was 7+ months late in reporting to the credit bureaus that they took over servicing my loans and which included that they were forgiven. XXXX and XXXX have updated information and have updated the status ( XXXX was the servicer and {$0.00} balance ), but Equifax has not. They still list XXXX full student loan balance and XXXX is not listed on my credit report. XXXX has responded and said that they have updated the information with the CRAs. I have submitted letters from XXXX and XXXX proving that XXXX transferred the loans to XXXX and I have submitted letters from XXXX saying they were forgiven. Equifax goes to XXXX to confirm the information that they have and they will NOT submit info saying it's a {$0.00} balance and transferred. All they will do is verify that the last information that Equifax has is valid ; however, this information is the last balance information before the loan was transferred. Equifax needs to read the letters from XXXX and XXXX. XXXX says it's XXXX 's issue because they were late reporting the loans to the CRAs and that they will NOT send anything to the CRAs. What they would do is send me a letter verifying the loans transferred which I have submitted to Equifax. These are official documents submitted from XXXX apologizing for reporting the status late to the CRAs and that the loan was forgiven. The balance and account info is all there. The XXXX letter confirms the transfer of the loan. They need to look at these and the balances and update my credit report. I am currently working with XXXX XXXX XXXX 's Office regarding the complaint I have filed about all of this with the US Department of Education.
Consumer complaint received 2019-06-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I spoke with SPS on several occasions and the calls were recorded. I was approved for a loan modification and was told that funds held in my suspense account would be applied to the first trial payment. I have spoken with several reps since then, now they are stating that the funds can not be applied until after the modification.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

My issue involves overdraft fees being charged, even after Ive opted OUT of over-draft protection and the bank processing payments in such a way that maximizes their ability to charge over draft fees. The bank in question is Truist bank. I do have documents showing these occurrences if they are needed. Per the regulation passed in 2010 ; banks can not charge over draft fees unless a client opts in or if they have opted in then decides to opt out. Unless its considered a recurring transaction. Truist is charging over draft fees not only on recurring transactions, but also basic 5-10 dollar transactions for people that have not requested over draft protection and they do it in such a way that maximizes the fees they are able to charge. For example : Lets say I have {$35.00} left in my bank account and I buy 4 items. The item prices are {$35.00}, {$5.00}, {$5.00}, and {$5.00}. Instead of the bank processing the three {$5.00} charges and then the {$35.00} charge, which would result in one overdraft fee for the {$35.00} charge, they will purposely process the {$35.00} charge first and then the three {$5.00} charges, so theyre able to charge three overdraft fees totaling {$96.00} instead of just one for {$32.00}, even though I bought the three {$5.00} items first. I tested this theory on 4 different occasions and they processed the lesser charges last every time, as to maximize their over draft charges. These practices are not only unethical theyre unlawful. Feel free to contact me if you need the proof. Something needs to be done about this. I am submitting this request in behalf of about 55 other people who are having the same issues with the same bank, with no telling how many more. Truist is using whatever methods they can to get around the regulations passed in 2010 regarding over draft fees.Again I do have evidence of all this, but I am going to wait to submit until someone contacts me and requests them.
Consumer complaint received 2018-05-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (IL)

XX/XX/XXXX An inquiry from ONEMain showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXXl showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues. 
XX/XX/XXXX An inquiry from XXXX XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues XX/XX/XXXX An inquiry fromXX/XX/XXXX-XXXX showed up on my credit report I called and they stated they could not help me. I called XXXX and they stated I needed to call the company after I told them I was victim of inquiry issues
Consumer complaint received 2022-12-03
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. (NV)

Company is reporting negative results on my credit report of late 60 days late. I talked with the company and stated I never received the credit card. The company agreed to cancel the card and remove any negative reporting. I have an alert that XXXX XXXX credit card have reported 60 days late on my account.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had applied for a XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX. Application number is XXXX. I called and spoke to a representative named XXXX in the credit department on XX/XX/XXXX and she did a 2nd review of my application and credit and still denied it on basis for grounds that I feel is discriminatory and demand that it be re-looked at again. She told me that I cant be approved because i had several secured credit cards and or loans in the past. Why does that matter. That builds credit. Them loans and credits were never defaulted and were paid as agreed. She asked me why my XXXX XXXX credit cards were closed by the grantor. Why, I will tell you why.. XX/XX/XXXX I had a disagreement with a rep from XXXX  XXXX, I didnt keep my mouth shut, spoke my mind and they didnt like it and closed all my cards with them. Again, why does that matter. They were paid off, on time, and never late. How are you gon na base judgement on someone that had secured products in the past. Who cares. Thats down right discrimatory. You offer secured credit cards .... WHY ... .. FOR WHAT CAUSE. DO YOU DENY PEOPLE BECAUSE THEY HAD A SECURED PRODUCT OF YOURS IN THE PAST. I will take this matter to the highest level of court if i have to. The problem is that you know my credit is very good with a XXXX  of XXXX at the time of application, and just trying to find little reasons to deny it.
Consumer complaint received 2022-02-15
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. (WI)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2022-03-21
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)

Medical accounts reporting without my consent or knowledge. Thus violating my protection under HIPPA as required by the act of 1996. My sensitive patient health information is now being reviewed and sent between creditors subjecting me to scrutiny and physical, technical and administrative security.
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I paid my mortgage off in XX/XX/XXXX in the amount of {$250.00} with Bank of America. When I did my payoff, they told me that I owed for Home Owner Association ( HOA ) dues in amount of {$2300.00} which I was not aware of, so I started to make payments in the amount of {$62.00} bi- monthly and they are still showing that I owe {$4200.00} as of XX/XX/XXXX. Attached is a fax from XX/XX/XXXX showing that my HOA dues were paid by BOA with a wire in the amount of {$2600.00}. When my house was paid off, I was sent a check for the escrow, so there should not have been any payments taken out after that. When I paid off my house, I was told by the escalation employee ( XXXX ) that I had to leave a dollar in in the mortgage account, so I left the dollar on XX/XX/XXXX and I made one final payment to pay off the HOA in the total amount of {$1000.00} which I paid on XX/XX/XXXX as requested by BOA. I was talking to my HOA when BOA intervened and made the situation much more financially burdensome. The HOA was willing to negotiate with me and I was not aware that BOA had paid the fees until I came in to payoff my mortgage loan. This has impacted my credit score negatively. I have tried to work with Bank of America since XX/XX/XXXX and have not have any success. In the meantime, they are still paying my taxes, which should be coming to me since XX/XX/XXXX. I have repeatedly asked them to stop paying my taxes and I can not get anyone to listen to what I need..
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (NY)

I've become aware that delinquent accounts on your credit report negatively affect your credit score for 5 years and are removed after 7 years. It's come to my attention that effective XX/XX/2022, that delinquent accounts on your credit report affect your score after 4 years now and not the former 5 year mark. 

XXXX and XXXX scores reflect that change. As for Experian, their scores do not reflect that new rule that went into effect XX/XX/2022
Consumer complaint received 2021-06-14
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. (MD)

There are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Consumer complaint received 2018-01-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XXXX XXXX XXXX I sent a SEPA transfer of EUR XXXX to this company. 

On their web site under my account, they specified I should have it by XXXX XXXX XXXX. 
They said it should only take 1-3 days. 

Today, XXXX XXXX XXXX, is it still showing as " Pending '' and I can not access my money. 

At the time my money should have been available, I could have purchased Ether for around EUR XXXX each. Today it 's worth EUR XXXX each, so I have lost out on my investment due to this company. 

I made a smaller deposit prior to this one on the same day to ensure I had the correct reference number on the transfer. I received this with no problems, so the error was not on my part.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (TN)

I have a student account with Regions Bank. I had visited the XXXX, FL area the first week of XX/XX/XXXX for a music festival. Somehow my debit card and pin number were stolen. I did not realize my debit card was gone until after returning to my home in XXXX, TN. There was very little money in my account as I was not working at the time as I was focusing on my high school graduation. Regions contacted me to collect on an overdrawn student checking account. Regions had accepted a counterfeit check, with a forged signature to be deposited and funds withdrawn between XX/XX/XXXX and XX/XX/XXXX. I do not know how my pin number was compromised or my card was stolen but I do know that I did not provide it to anyone. Regions did allow this counterfeit check with a forged signature to be deposited into my student account in the amount of {$4700.00}. Regions did provide a copy of the deposited check and it is not my signature. My account has never had this amount of money in this account. I do not understand why they would have accepted this counterfeit check, with or without a pin number. On XX/XX/XXXX Regions Bank said I allowed my pin number to be used which I did not know anything about. I knew nothing about these transaction taking place in XXXX, FL while residing in TN. The notification from Regions told me to go to the local branch for assistance but they indicated they could do nothing and suggested filing a police report which I did with the XXXX, TN police department to have the case reopened. I filed my police report and sent an appeal to the finding. the appeal was faxed on XX/XX/XXXX to XXXX. I have not received any notification regarding the appeal. Regions did takes funds from my grandparents ' account and my uncle 's account as my grandmother had to supply her social security on my account because I was a minor when it was established. They took over {$2200.00} form my grandparents account and over {$300.00} from my uncle 's account and they found out when attempting to use their accounts. 
I really need some help. Regions continues to call and attempt to collect over {$2000.00} dollars for a counterfeit check that should have never been allowed in my account. I start college in a couple of weeks and have no such funds available. My grandparents had to go borrow money. I really feel Regions should have caught this activity based on the fact this is a student account that has never seen this type of activity. While I understand the pin number was used, I did not know it was stolen and had no knowledge of this activity. If I had {$5000.00} in the bank and it had been withdrawn using the pin number, I would feel it may be my fault. When Regions allows a counterfeit check to be deposited, I feel they are responsible for that.
Consumer complaint received 2020-02-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Man-Data Inc. (OR)

We moved and I havent received any mail in regards to our debt. Someone had called the new company I am working for and requested to speak to and with the HR Department in order to verify information in regards to me and to get additional information about me. Which is completely not okay at my place of work and illegal and they told the person why they needed to verify. The debt collector also didnt show proof of the correct amount I technically owe, they claimed that I was the only one responsible for this debt, however I am not. The second time I heard from the debt collector was today, again harassed at work but by being served papers by a police officer. The small suit claims indicates falsehood because it states I am solely responsible for the debt when someone else is, there is no proof of amount owed, they placed my home address as my work address and they want me to pay their fees. This has caused harm to me and my reputation within my established place of work. Within the form it shows how they are involving the HR department of my work to serve me.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MD)

Santander has been in violation and its getting worse everyday. This business has some shady business practices. Ive been in default since XXXX and never even knew about the lawsuit and when I asked I was told that it didnt matter. But it does because I had to get my payment deferred a few times due to loss of job during pandemic. XXXX of XXXX I fell behind on my payment again due to being sick and out of work.. I made arrangements to pay my bill and was told I had time but a few days later I come outside to my car being gone. No notice no nothing even with my payment arrangements in place was then told I had to pay Over {$2000.00} plus repossession fees ( + {$400.00} ) all before my next due day was even due I paid get my car back then I check my credit and santander closed and charged of my account due too natural disaster. Then they changed it to closed and charged off as bad debt profit and loss write-off and its charged off every 3 weeks just about. Santander is in violation with FCRA with more than one error on my credit report. Ive had the loan for two years and santander doesnt update my balance in fact all of my payments only go to interest never to my balance also my actual online account doesnt show anything but they call me everyday asking for different payment amounts. My loan term was for 6 years 72 months but they report 6 years 82 months. They report my last payment was XX/XX/XXXX and XX/XX/XXXX I received a call back in XXXX saying I paying {$2000.00} more than needed and my balance went down.. then a week later I get a call at work demanding I owe {$700.00} from the repossession. I feel like Im being robbed and they still want me to give them money Im not even sure if they still have the debt or if they sold it. I dont trust giving them my money if they arent going to actually put it on my payments its like they are stealing it and as a consumer this is not the place to do real business. I have over a years worth of proof please help! I have way more documents if needed I can get the organized and have a folder sent by certified mail in the morning.
Consumer complaint received 2018-05-25
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)

My Equifax Credit Report suddenly showed a hard pull by XXXX XXXX XXXX XXXX XXXX. on XX/XX/2018. I spoke with an Equifax representative by phone today and told her I did not authorize XXXX XXXX XXXX XXXX. to pull my credit for any reason. I use XXXX for cell phone service and XXXX XXXX for TV service. I have no need for XXXX XXXX XXXX XXXX. The Equifax rep said I would have to dispute this with XXXX XXXX XXXX XXXX, even when I suggested that this could be an attempt by someone to use my identity. Equifax is very difficult to deal with under these circumstances while XXXX is much easier to work with. It is no wonder most lending institutions are switching to reliance on XXXX for consumers.