davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history.
Consumer complaint received 2019-03-28
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. (CA)

Hello, I had a credit account that was issued through XXXX XXXX XXXX. The account was paid in full and I was told XXXX would reverse any fees generated. The account was notated but fees was not reversed. Reached out to XXXX a year later after seeing a charged off balance and derogatory lates ( 30,60,90,120 days ). Was told that this was a XXXX XXXX error and they would contact the credit agencys and get the balance cleared and remove any derogatory information regarding this account. I was also given the option to either retain this account or close it, which I chose to close the account. I have now received a letter stating : account paid in full, was a charge off. Ive contacted XXXX XXXX  and excelated this issue and no one has contacted me or made an attempt to fix the issue. Because this was a XXXX XXXX   error the consumer should not be penalized for errors the financial institutions make. When I make an attempt to get ahold of a manager, Im being told multiple times through out the day, that the managers are on lunch or not available. Im asking that this please be escalated and corrected for me please.
Consumer complaint received 2022-10-06
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. (CA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$760.00} ), XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX {$470.00} ), XXXXXXXX XXXX ( XXXX XXXX. XXXX, XXXX, Credit limit {$500.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-04-04
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. (MI)

Due to a security breach with XXXX my privacy information was used to place hard inquiries on my credit report. I asked XXXX to provide me with documents that I approved authorization. On XX/XX/2023 I spoke with XXXX of XXXX that refuse to remove hard inquiries on my credit report that I did not authorize. 15 USC code 1681 b states that credit needs to be adequate when reporting. I am asking that cfpb look in the wrong doing of XXXX. If XXXX can not provide me with a handwritten signature please inform them they must remove inadequate information.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Terminated cell/internet/cable tv service with XXXX but they billed me anyway. Refund letter from XXXX office of President states I will receive refund of {$77.00} because I actually paid for a month I should not have paid for, and they agreed. I never received the refund of {$77.00} they promised, and XXXX will no longer respond to my enquires via email or voice message ( the same methods I had been using to communicate with XXXX ). Instead of sending me the refund as promised XXXX turned me over to a collection agency named DIVERSIFIED CONSULTNTS in XXXX, FL for allegedly not paying a bill {$73.00} that I have no idea what it is for. However, I've always paid XXXX in-full and on-time. I do not owe XXXX anything and in fact they still owe me the {$77.00} refund ( copy of refund promise from XXXX is attached ). My credit score is suffering, I feel like I've been damaged because of XXXX fraudulent billing practices.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NC)

on XX/XX/19, i called Citibank about my credit card account. it was recently closed due to inactivity. I called to ask that my account be re-opened. I told them i understood why it was closed, and I kept the account open in case of emergencies. I would have used it if i had known that was a stipulation of it remaining open. They were nice about it, but asked me for my full social security number in order to re-open the account. I insisted that if they have my acct info, they should have that already. I was adamant that i did not want to apply for a new line of credit, and just to ask this one to be re-opened. I was promptly hung up on. I thought that was rude and tried the same number again. I reached a different customer service representative. That call was going better. I did not inform them of the previous call. We got to the same point in the conversation, when i insisted that we do not pull a credit report to re-activate my account. I was told they were not going to pull a credit report, but needed my info for verification. I asked again, for the recorded line, that the rep state we are not pulling a credit report, and was promptly hung up on again. I feel this company is not being honest with me or other customers about their practices. Seems like something XXXX XXXX would do.
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Conn's, Inc. (TX)

It started in XXXX last year, I have been disputing with them since last year. I recieved one letter from them stating I need to provide full account information.. Never recieved anything else from them, I have sent a total of 4 letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. The letter in XXXX was returned back to me for some reason.. Also they have been changing the amounts from XXXX to XXXX back down to XXXX in XXXX XXXX, XXXX which is against the law, I am requesting deletion for never verifying or validating the debt I owe and for not responding within 30 days of letter sent. Also for changing the amounts witht the credit bureaus thanks in advance.
Consumer complaint received 2019-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I filed a complaint directly with PayPal for an unauthorized charge of {$20.00} made to my bank account. PayPal resolution center replied that it was an authorized transaction and that if I wanted to see the documentation supporting this I had to write them a letter by mail. 

1.- They don't have legal documentation regarding this authorization, because it was not and because on the opposite I have documentation sent directly from the merchant apologizing for applying that service to my account, and that I should not have. Amongst emails of cancelation of that invoice.

2.- This is clearly a delaying tactic used by them as a way to create a bureaucratic hassle to impede people from pursuing resolutions on their cases as it is time costly, inconvenient and slow as written mail.

3.- Additionally of authorizing and insisting on charging me for this unauthorized charge, they forced the charge my bank account directly instead of the sole authorized credit card for online purchases. They use the information provided from me for different objectives and use this information to perform illegal and unauthorized deductions to my checkings account.

I never authorized PayPal to perform charges on my bank account. They were authorized only to use my credit card, but they used the information provided only to receive money. 

The transaction information is : Dispute Case ID : XXXX-XXXX-XXXX Transaction Amount : {$20.00} USD Transaction date : XX/XX/2019 2019
Consumer complaint received 2019-07-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

XXXX XXXX AT PHONE XXXX X XXXX - XXXX XXXX HAS CALLED REPEATEDLY. HAVE CALLED AND HARRASSED FAMILY MEMBERS AND FRIENDS REPEATEDLY EVEN THOUGH THEY WERE TOLD THAT CALLING A THIRD PARTY AND LEAVING A MESSAGE WITH A THIRD PARTY TO CONTACT ME IS AGAINST THE LAW. THEY DID NOT CARE AND SAID THEY WILL CALL WHOMEVER IS ASSOCIATED WITH ME TO FIND MY WHEREABOUTS. THAT IS HARRASSMENT.
Consumer complaint received 2018-05-21
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: Experian Information Solutions Inc. (FL)

My house is sold and I'm trying to get a mortgage but because experian is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-01-30
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. (MI)

I have a credit card reporting on my credit bureaus as a derogatory account. This account was included in my Chapter XXXX bankruptcy in which I listed it in my bill of matrix. This matter should have been removed once my BK was discharged. It is still showing on my report
Consumer complaint received 2019-07-24
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions (CA)

JPL ROCOVERY AT PHONE XXXX X XXXX - XXXX XXXX HAS CALLED REPEATEDLY. HAVE CALLED AND HARRASSED FAMILY MEMBERS AND FRIENDS REPEATEDLY EVEN THOUGH THEY WERE TOLD THAT CALLING A THIRD PARTY AND LEAVING A MESSAGE WITH A THIRD PARTY TO CONTACT ME IS AGAINST THE LAW. THEY DID NOT CARE AND SAID THEY WILL CALL WHOMEVER IS ASSOCIATED WITH ME TO FIND MY WHEREABOUTS. THAT IS HARRASSMENT.
Consumer complaint received 2019-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (OH)

On XXXX XXXX, XXXX we paid XXXX XXXX {$2200.00} down to do landscaping. We got his company from recommendations on " XXXX XXXX ''. They came out two times one removed some landscaping bricks which they took with them and removed a section of fence in our back yard. They removed a few bushes never put the fence back and never showed up again. We repeatedly called and left messages. On XX/XX/XXXX we received a letter from his wife stating he took our money finished another job with it and then was arrested for XXXX   XXXX. We contacted out credit card company " Comenity Bank '' and filed a dispute. We sent in all requested documents. A couple months later we contacted Comenity and sent in all the information again. Every time we called Comenity they said they were investigating. Finally in XXXX of XXXX we received notice that the dispute was denied. Once again when I called they said they needed more documentation. When I asked what they needed they sent me the exact same list from the previous year. Once again it was denied and when I asked why they needed more information but asked for exactly what I had sent two other times. No one at Comenity would tell me what exactly they needed or what I was missing. I cancelled my card and still can not get any answer from Comenity.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The problem is that all four credit bureaus use the same phone number XXXX XXXX ) and web site XXXX XXXX XXXX to offer options to people who want to opt out of prescreened offers. When I tried to opt out of future advertisement, the automated system kept getting my address wrong. No matter how I repeated my address, it kept miss-repeating my Street address. This kept me from being able to complete the over-the-phone form. This is not an isolated incident, it has happened to me before, two other times over the last few months. This is obviously being done on purpose to eliminate or reduce the number of people who opt out of prescreened offers through the mail. I tried to resolve this problem by contacting the FTC but couldn't fill out the online form because of the multi business and address parties involved. The automated system kept giving me error messages and when I tried to resolve the problem through their chat system, they couldn't help me at all.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BB&T CORPORATION (PA)

XXXX XXXX said : BB & T Branch Banking and Trust Company Corporate Investigation XXXX. XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Dear XXXX XXXX : I am writing in regard to your recent behavior at or around our facilities at XXXX XXXX XXXX XXXX XXXX, PA. While Branch Banking and Trust Co. is committed to being open to the public, and accommodating our customers, your conduct falls outside the bounds of acceptable behavior. 

As a result, Branch Banking and Trust Co. is no longer willing to permit you to enter any of our banking locations. Accordingly, I am writing as an XXXX of Branch Banking and Trust Company to advise you that you are prohibited from entering any premises of the Branch Banking and Trust Company. 

If you choose to enter the premises of Branch Banking and Trust Co. you will be deemed in violation of the State of Pennsylvania, Criminal Trespass Statue, 3503, and Branch Banking and Trust Co. will take appropriate action. 

Please govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX XXXX has an office beside BB & T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX is also ... 

XXXX XXXX XXXX XXXX and Chief Excutive Officer XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX XXXX XXXX BB & T XXXX XXXX XXXX XXXX, PA XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2019-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

I never received any information regarding this account prior to it appearing on my credit report. I was advised to pay the debt to make it go away regardless of receiving any information from the creditor. I disputed the debt on XX/XX/19 and received no response from the company, though it came back verified. How was the debt verified and why didn't I receive any communication? I disputed it again on XX/XX/19 with the same result - no communication but verified. Furthermore, the account is listed as open with XXXX. How is a paid collection, open? This company has sloppy reporting and collection practices and is hurting my ability to move forward.
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have made multiple attempts to get information on why the mortgage with this company is still reporting on my credit report. This debt was obtained in the name on myself and my ex-wife. Since then we had been divorced and the mortgage has been taken over by my wife. I had submitted a quit claim deed and was told by the services that I will no longer be obligated for the debt on my account as she assumed the loan. Every time that I call them since this transaction happened, they state that I am no longer on this loan when the loan number is provided to them. They state that they can't find me anywhere in their system by social security number or name. When I provide them with the full account number, I am told that this loan doesn't belong to me and that they can't provide me any information on this loan. I've also called the company directly with my ex-wife and my current loan officer and was told that they can't verify that I have any liability to this loan. I've stated that this is impossible because they are still reporting negatively to the credit bureaus and that improper handling of the payments on this loan that my wife has made has made it impossible to acquire new financing. They still can't provide any information on why it is reporting this way.
Consumer complaint received 2018-05-20
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I have contacted XXXX XXXX and Equifax several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation (MS)

On XX/XX/2024, I called to ask 1st Franklin Financial about a repayment plan other than the one initial made with loan that was lower because I was struggling to pay the loan due to lost of employment and receiving government benefits that was decreased due to overpayments instead of going to court. 

I called also on XX/XX/2024 for the same reason but the response was going to court and receiving a judgment to repay in XXXX days or garnishment of wages.
Consumer complaint received 2023-04-03
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. (SD)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Further, my personal information is incorrect as listed. 

My name is spelled XXXX XXXX, Address : XXXX XXXX  XXXX XXXX, XXXX, South Dakota XXXX. NO other names or addresses are associated with my or my consumer account. All direct violations of my privacy. and 15USC1681. You have never had my permission, written or expresses or implied to have this information.

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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-18
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 (CA)

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 open end consumer credit plan as late purpose.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CO)

I had a foreclosure that was closed on XX/XX/12 and the account shows a date of last action and closed as of XX/XX/12 but they are reporting new late pays every month.I have tried correcting this issue by contacting them and going to the credit bureaus but have had no success.