davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Account name and number : Dept of educationXXXX / Acct # XXXX XXXX Amount : {$3600.00} / XXXX Amount : {$1600.00} / XXXX Amount : {$3100.00} / XXXX Amount : {$6600.00} XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XXXX. Date Opened : XX/XX/XXXX / XX/XX/XXXX Agency name and Account number : XXXX XXXX XXXX / Acct # XXXX Amount : {$120.00} Date Opened : XX/XX/XXXX Agency name and Account number XXXX XXXX XXXX Acct # XXXX Amount : {$390.00} Date Opened : XX/XX/XXXX In accordance with the Fair credit reporting acXXXX XXXX Account # XXXX, Account # XXXX, and Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-23
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. (IL)

The Summer of XX/XX/2018 I was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/2018. All I asked was that the credit bureaus show me how they verified this debt and what XXXX XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

XX/XX/XXXX - accepted a credit card balance transfer offer from Bank of America ( BOFA ) for {$14000.00} to pay a CC with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

TO DATE : XXXX has not received the funds ; BOFA has charged our account {$14000.00} plus {$590.00} for a transfer fee. I have spent over 1 hour on each of the following calls to BOFA : XX/XX/XXXX - called BOFA to check on balance transfer transaction was instructed " to wait a few days '' and call back, if needed. 

XX/XX/XXXX - I visited XXXX and confirmed they did not receive balance transfer from BOFA. 

XX/XX/XXXX - called BOFAXXXX to inform XXXX did not receive funds ; Provided XXXX acct info, address and phone number ; I was instructed to " wait a couple days and call back '', " we'll take care of it ''. 

XX/XX/XXXX - called BOFAXXXX, explained same situation ; provided XXXX acct info, address and phone number ; XXXX wrote up a report, confirmation XXXX. XXXX took my personal contact info and said someone was going to return my call. Did not receive a call back. 

XX/XX/XXXX - called BOFAXXXX, explained same situation ; provided XXXX acct info, address, phone number. After nearly an hour on the phone, I requested to speak to a manager ; I was not connected to a manager, but was told by XXXX that " it will take 30 days to release the funds ... call back on XX/XX/XXXX ''. 

XX/XX/XXXX - called BOFA, immediately asked to speak to a manager and was connected to XXXX from Georgia who took my contact info and was going to call me back at XXXX am Hawaii time to conduct a 3-way call with XXXX to confirm that XXXX did not receive the funds. I never received a call back. 

XX/XX/XXXX- called BOFAXXXX from XXXX who " assured '' us that he is in contact with a special team to " escalate the case ''. I requested to speak with a manager and after a long hold, no manager came to the call. XXXX assured me that I would receive a call from the team no later than 5 business days. I provided my personal contact info, but did not receive any call back. 

XX/XX/XXXX- called BOFA. On a 2 hour call, I spoke with XXXX from Calif ; XXXX and XXXX from the fraud dept. During this call, we conducted a 3-way call with XXXX who confirmed they did not receive the funds, acct numbers, addresses and phone numbers were confirmed. It was identified by XXXXBOFA that the transfer was paid to XXXX XXXX, but she transferred us to the fraud dept. Spent majority of the call explaining the situation again, providing acct numbers, addresses, phone numbers. XXXX said the only thing she can do is write up a report. I requested to cancel the entire balance transfer transaction, but she said she could not so that. BOFA manager XXXX XXXX said she would call with resolve by end of day. Did not receive call back.
Consumer complaint received 2023-04-04
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: SYNCHRONY FINANCIAL (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: AXOS FINANCIAL, INC. (CT)

Refusal to adjust how this account is being reported to credit bureaus. This account has never been 4 months late. Plus refusal to provide copy of original contract so that I can see if my right to defer payments was violated.
Consumer complaint received 2022-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CA)

I got my student loan over 20 years ago. I did not speak to a counselor to guide me. I had no idea what I was getting myself into- I was young and had no guidance- was lost in school and had to drop out.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc. (TX)

I settled account with Conns Appliances in XX/XX/2022 for {$3000.00}. I have received 2 settlement in full letters from XXXX XXXX XXXXXXXX stating the account is closed and payment was received. One letter received in XX/XX/2022 and one in XX/XX/2022. However, the Conns Appliance is still reporting that the {$3000.00} was applied to the balance and I still owe. It says that I have been past due since XXXX. I have contacted Conns Appliances ( refers me to XXXX ), XXXX ( doesnt return calls or answer phone ), & XXXX XXXX XXXX ( stats that Conns is responsible for reporting and they have sent receipt over ) multiples times and it has not been corrected.
Consumer complaint received 2022-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (PA)

At the end of every year NewRez pulls this non-sense. Always trying to make me pay a double payment even tho I add the {$18.00}. Payment runs from the XXXX to the XXXX after that the late fee of {$18.00}. Straighten them out on this matter.
Consumer complaint received 2018-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IL)

I have four credit accounts through XXXX XXXX   which has continuously lowered available credit amounts, and ultimately affecting my credit score. I received a letter from them stating that based on my credit report they are closing one of the cards I have with them .... that has been paid off for months. This company contributes to poor credit ratings of consumers by continuously lowering available credit limits which looks bad on credit reports and closes accounts that are paid off.
Consumer complaint received 2022-06-11
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: EQUIFAX, INC. (FL)

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-12-12
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

PayPal is holding {$220.00} of my funds. 
They wouldnt put it on my PayPal credit, release it to me via check, nor deposit it to my credit card. 

They insist that they can only do it after I upload pictures of my ID and my Social Security to them. Being a security professional myself, I absolutely refuse to trust PayPal servers such information. If they insist on possessing such information, I refuse to be their customer, but they hold me hostage by  holding my money. I have never signed an agreement with them allowing such intrusion in my privacy. 

Please make them pay me my (! ) money I unsuccessfully discussed this issue XX/XX/2018 with XXXX, Badge ID  XXXX and with his supervisor XXXX, ID XXXX on the phone ( XXXX ) XXXX. 
I also emailed on XX/XX/2018 the following PayPal executives with no response : XXXX XXXX, Customer Solutions Group Leader, ( XXXX ) XXXX o XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, Chief Financial Officer and Executive Vice President Global Customer Operations o XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX, Executive Vice President and Chief Operating Officer o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, Chief Executive, President and CEO XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My loan is part of the XXXX XXXX held XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes. I am disputing the legitimacy of this trust and Select Portfolio right to attempt to foreclose on my property at XXXX XXXX XXXX XXXX XXXX Ga. I will need information confirming the existence of the XXXX XXXX XXXX XXXX XX/XX/XXXX. I have researched it myself and have found that there seems to be no information on it past  XX/XX/2015. This concerns me. I have requested this information multiple times before via handwritten request as well as verbal requests. I am well aware that the trust is held by XXXX XXXX. I need recent records on the actual trust itself. Recent financial records, Tax records, anything that can show me that this is a legitimate trust and is still in existence. I have spoken with XXXX XXXX from XXXX XXXX, who apparently manages the service agreement with Select Portfolio, and he could tell me nothing about this trust saying that, XXXX XXXX XXXX may have a record of it. Why XXXX XXXX XXXX would have a record of it I have no idea. It's supposed to be held by XXXX XXXX. I am sure you can understand my confusion and concern as to where my money is actually going. I find this lack of transparency between Select Portfolio, XXXX XXXX, XXXX XXXX and whom ever else may be involved with the XXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Backed Notes, to be completely unacceptable. I have a right to know and gather information on this trust to make sure it is all Legitimate. Not to mention all banks involved have been fined heavily in recent years for bank fraud as well as securities fraud and I believe XXXX XXXX Headquarters in XXXX was just raided due to money laundering accusations. This to me is extremely worrisome and I demand transparency on all aspects of this trust that my mortgage is part of. Every time I ask this question my only response from Select Portfolio Servicing is that XXXX XXXX is the holder of the trust. Let 's see if we can dig a bit deeper this time. My intention is to keep my house and I am able to catch up on payments once I am secure with the situation. XXXX XXXX
Consumer complaint received 2018-04-24
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. (GA)

I submitted a dispute to Equifax on XX/XX/XXXX. I have confirmation of the receipt of this dispute from the post office and Equifax. This dispute was for XXXX XXXX Account number XXXX. Equifax opened the investigation on or about XX/XX/XXXX-XX/XX/XXXX. They were unable to verify as this is not my account. I have submitted documentation and police report as well to this affect. As of today, XX/XX/XXXX Equifax has re- opened the investigation, which is now allowing an additional 30 days to verify the account. This is against the law.
Consumer complaint received 2019-08-29
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. (PA)

I have 3 unverified accounts showing on my credit report with equifax. I have sent them 2 sets of letters requesting the unverified and erroneous items be removed. Every time I get the generic reply verified. I have not been shown any information that has been requested such as contract, agreement, etc with my signature showing I authorized any of these items. Not to mention not correctly verifying these items I they have re-aged these items to appear that they were just reported. The first account is for XXXX XXXX XXXX, the second account is XXXX XXXX, and the third is for XXXX. Again these three accounts are unverified, incorrect, false, erroneous and now have been re-aged by equifax. This is not the only concern I have. There is also a concern of me being a victim of identity theft in which I filed the proper reports with the correct authorities including identity theft.org. I have also sent numerous letters to equifax requesting these inquiries not made by me to be removed and all I get is the same verified. I went a step further and contacted the corresponding companies in which these inquiries pertain and they have not provided any document with my signature showing where I authorized these. All I want is the unverified, inaccuracies removed from my report. I would also like to add I have even pointed out to equifax that how these items are only being shown on my credit report by their company and not any of the others. XXXX and XXXX have removed these because they were found to be unverified. Please explain to me how equifax can verify these when no one else can. Not to mention I was a victim of the 2017 equifax data breach.
Consumer complaint received 2018-08-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: AAA Auto Title Loans, LLC (AZ)

5 days after missing the first payment on loan my vehicle was repossessed from me and held by the company whom demanded that the loan amount be paid in full in order to retrieve vehicle. The loan was poorly explained to me, I was under the assumption that there was to be one payment made monthly, not two. It has been a year now since XXXX XXXX had taken my vehicle. I have been since honorably discharged from the XXXXXXXX XXXX XX/XX/2018. I currently find myself unemployed and with little hope in sight. This company has caused great distress and more than financial hurt in my life. I was employed full-time with a position I had enjoyed, after losing my transportation I had lost my job. I would just like it to be known how cynical and deceiving this company is. Something like this should not be legal. What they have done to my life now is extreme to say the least. I would like to warn the public of this company and their tactics in hopes that they can avoid this occurring to them.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have been waiting for over a month for a credit to be returned to my card. I have called and spent hours on hold just to keep being transferred in circles when i clearly communicated what needed to be done. There were several times i was told i would receive a call back and did not get one as well as several times they told me they were putting a request in and the funds should be back on my account in a matter of days and as of today i have yet to be refunded. As a single individual with XXXX children STILL in the middle of a pandemic and taking care of inflating grocery, gas and rent prices this is very much unacceptable. This problem started XX/XX/2022 and as of XX/XX/2022 it has NOT been rectified.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, and have not.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX || XXXX XX/XX/XXXX XXXX XXXX || XXXX XX/XX/XXXX XXXX || XXXX XX/XX/XXXX XXXX XXXX || DATE- XX/XX/XXXX XXXXXXXX || DATE- XX/XX/XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (WA)

A bank account with Wells Fargo was opened using my personal identifying information. I have alerted Wells Fargo and placed a freeze on that account. They have opened a fraud investigation. 

Date of account inquiry/opening : XX/XX/2022 I have no data on the actual account transactions.
Consumer complaint received 2022-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

I have the following 2 credit cards that show large outstanding balances : The XXXX and XXXXXXXX XXXX XXXX XXXX 

Both of the companies have not reported since XX/XX/2022. I have called both of them several times to update the balances and they said that it was a computer glitch and it would be fixed within a week. The XXXX has a XXXX balance and XXXX XXXX XXXX XXXX has a {$900.00} balance. 

I filed a dispute with XXXX XXXX and it still has not been resolved. I am in the process of refinancing my house and its affecting my interest rate. Thank you in advance for any assistance you can provide. Its very frustrating!!
Consumer complaint received 2018-02-02
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. (IL)

Experian has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX never late XXXX XXXX not mine COLLECTIONS XXXX XXXX XX/XX/XXXX {$1600.00} not mine INQUIRIES XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized