davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NC)

On XX/XX/XXXX18 I made an electronic payment via the companies Web site in the amount of {$17000.00} which was the amount of the payoff ( the Escrow of over {$2500.00} was still in the account ) On XX/XX/XXXX I called them because my account still did not show being credited even though the money had been out of my checking account for almost 2 weeks. Apparently they only except close to payoff amounts via Cashiers Check or Wire transfer so the payment has been in a limbo account of theirs for almost a month ... They said they would not credit my account and that they would have to return the money back to me via the same means of which I sent it to them ( in my case electronically ) and that it would take up till XX/XX/XXXX to get my money back. I told them this was unacceptable so then I was told that if I send in a bank statement proving that it had cleared my checking account that I would get the money back within 4 business days. I emailed the scanned bank statement to them and then called to make sure they had received the bank statement and they said that they received it on XX/XX/XXXX. I now just called them on XX/XX/XXXX because it has been well over 4 business days and they are now telling me that it will not be electronically re deposited into my account but via a paper check and mailed to me. They will not send it out till at the earliest the end of the week. At the time of this writing I hope that this is the case and that I do actually receive a check within about 1-2 weeks  from now ... ..although I doubt it as I have been lied to for about a month. They clearly have policies in place to keep a consumers money as long as possible without returning it to them. I find this unethical and possibly illegal. Please help us
Consumer complaint received 2017-01-12
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

I recently set up payment plans with a collection agency in XX/XX/XXXX, I set up for XXXX dollars at the end of each month to be taken out and for the first payment to be taken out XX/XX/XXXX. I paid XXXX dollars over the phone for the month of XX/XX/XXXX over the phone the same day I set up my payment plans. Well then at the end of XX/XX/XXXX someone took out XXXX dollars out of my account which I didn not give consent to. I strictly stated over the phone for the second payment to start in XX/XX/XXXX so I know it 's only XXXX Dollars but I did not consent for that money to be taken out of my account. I have been playing phone tag with the people for over XXXX weeks now and I want my money I never gave any consent for that payment to be taken out so I feel as I was robbed it is impossible to speak to anyone who speaks great XXXX so calling this company repeatedly does nothing. XXXX XXXX XXXX XXXX XXXX are scammers in my eyes!!
Consumer complaint received 2023-03-16
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. (LA)

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 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-12-16
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. (CA)

Equifax ; XXXX  and XXXX  should not be reporting each inquiry listedas a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the 45 plus days that is typically allowed to check different lenders and find the best loan. These inquires are all of like kind and therefore should only be reporting as ( 1 ) line item. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report as only ( 1 ) inquiry. It is a violation of the Fair Credit Report Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2016-09-29
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Optimum Outcomes, Inc. (TX)

Optimum Outcomes, a collection company in North Carolina, has twice made false statements in an effort to intimidate and harass. First, it indicated it would seek a judgment in this matter, while at the same time offering to settle. Second, it alleged I did not submit my request for verification within the 30 day window. That is not true.
Consumer complaint received 2018-09-11
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. (FL)

XXXX XXXX XXXX XXXX account on my credit report is in a class action law suit with XXXX XXXX were they messed up auto loan account because they charged for insurance I already had resulting in wrongful reposesion, and charge off on my credit for {$8900.00}. should have been removed from my credit report
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2019-03-29
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. (DE)

I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.
Consumer complaint received 2019-03-29
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: AMCOL Systems, Inc. (DE)

I was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.
Consumer complaint received 2022-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I just had my home refinanced and the loan was purchased by Freedom Mortgage. I attempted to make my payment via ACH payment using my checking account online only to find out the payment was reversed days later. I began to get calls regarding a late payment and I explained that I made the payment and they said it was reversed for the wrong account number. I made another payment attempt and even removed the payment type and re-added it copying it from my banks online account portal. It was reversed again. I made another attempt and it happened again. 

I called each time about this and was told I input incorrect information. I spoke with several agents yesterday and was told I needed to speak with my bank because it is an issue on their end. I spoke with several agents there and they said no payment attempt has been made and there are no issues. I spoke with someone again at the mortgage company and they suggested I add the zeros before my account number, so I attempted to make another payment. I was called by a supervisor regarding this issue today and they continued to suggest the account number was being input incorrectly when I explained that the full account number is being used. I use this same account for all of my other ACH payments and have had no issues besides with Freedom Mortgage. I am now worried that this will impact my credit rating for non-payment when I have made multiple attempts to make the payment with confirmation numbers and the payments are not being processed. Their support has been lackluster.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (GA)

I have had a chime account for around 3 years now. Put thousands of dollars of my money through the app. Well this is the second time Ive had a large amount of money just disappear. I have called them atleast 40 times and sent multiple emails, along with having to file multiple disputes over and over again. For months. On top of that Ive sent the same piece of evidence over and over and over again because every time I talk to them they say they dont have it. Ive talked to supervisors and have asked multiple times to speak with someone of higher power. The first time this happened I really didnt have much proof that the charges were unauthorized. So I get it. But this time I WAS IN XX/XX/XXXX! Ive sent paperwork like 15 times to prove it! Ive been going at it with this horrible app for months! And Ive lost my car over this! They owe me over {$1000.00}!
Consumer complaint received 2019-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

My reason for this complaint is I never received any documentation for the accounts listed below. The unverified items listed below remain on my credit report in violation of Federal Law. It would really be nice to have a copy of the original creditor 's documentation on file to verify that this information is accurate and legitimate contract. Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be  verified. FCRA I demand the following accounts be verified or deleted immediately. 
XXXX XXXX Acct # XXXX XXXX/XXXX XXXX XXXX   Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX US Department of Education  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX
Consumer complaint received 2018-09-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (CO)

XXXX XXXX in Wisconsin calls me 3 times per day on a {$300.00} personal payday loan taken out 4 years ago. I have received threatening calls from Texas accusing me of bank fraud in this matter.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: STERLING JEWELERS, INC. (GA)

Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
KAY JEWELERS Account Number : XXXX Please remove it from my credit report.

I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to a

pply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I believe this bank should be investigated for possible violation of the EFA Expedited Funds Availability Act ( EFA ). Specifically, Subpart B, VI, regarding availability of funds deposited. On XX/XX/2022, a personal check drawn on XXXXXXXX XXXX for {$15000.00} was deposited into XXXX Bank of America ( BofA ) personal checking account at the BofA location at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Upon inquiry, the teller indicated that funds would be available the next day. If BofA is delaying the funds based on " Large Deposits ( Deposits over {$5000.00} ) ( 229.13 ( b ) ), '' then notice should have been given at the time of the in-person deposit. If BofA is invoking " Reasonable Cause to Doubt Collectibility ( 229.13 ( e ) ), '' then " it must notify the customer, in writing, at the time of deposit. '' Later, we received notice that a deposit hold was placed on this transaction and the funds would not be available until XX/XX/XXXX, a total of 8 business days after the deposit was made ( deposit was made prior to XXXXXXXX XXXX. ). If BofA is found to have rightly invoked an exception, then " Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) '' specifies that, " For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than one business day for on-us checks and five business days for local checks. If a depositary bank extends its availability beyond these timeframes, it must be able to prove that the extended delay is reasonable. '' I do not believe there is any reasonable claim for delay beyond the required five business days. Many thanks for investigating this case in order to protect consumers from unreasonable delays in our electronic banking age, the goal of the EFA.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of 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 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 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
Consumer complaint received 2022-03-08
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. (CT)

In accordance with the fair credit reporting act XXXX  account # XXXX in my XXXX and Transunion report has violated my rights. XXXX account # XXXX on my Transunion report has also violated those 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 an account without my written instructions.
Consumer complaint received 2018-09-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX received a judgement against me and has been garnishing my check for years. I have finally paid the debt in full and yet they are still reporting I have a balance and in collections which has devastated my credit score. The debt of {$3100.00} has been paid in full. I have disputed this account twice.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust and BB & T merged and have virtually no customer service or way to reach a live human being to find out where the debit cards are they supposedly mailed out a month ago. No one calls back or responds to emails or attends the scheduled appointment for a callback. The number they keep giving is a never ending hold. When the branch is contacted directly it flows to voice mail and they never call back.
Consumer complaint received 2019-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

OnmyXXXXXXXX,XXXXstatement,Ihad{$0.00}purchasebalancesubjecttointerest.Therefore,chargesmadebeforemyXXXXXXXX,XXXXstatementshouldhavefallenundertheinterestgraceperiod.InXXXX.Icharged{$89.00}.Yet,myXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.ThisisincorrectsinceIhadaminimumpaymentof{$83.00}andmadeapaymentof{$200.00},thereshouldhavebeen{$0.00}subjecttointerest.

Accordingto12CFR226.53,anyamountpaidovertheminimumisappliedtothehighestratebalance.InXXXXmy{$200.00}paymentshouldhavebeenappliedasfollows:{$83.00}XXXXminimumpayment)tothe0%balancetransferpromotion,{$89.00}topurchasesresultingin{$0.00}purchasebalance,andtheadditional{$27.00}tothe0%balancetransferpromotion.

MyXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$10.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$420.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXX.XXXX,XXXXstatementshows{$1300.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

EverymonthsinceXXXX.Ihavemadepaymentsinexcessoftheminimumpaymentpluspurchasesforthatmonth.Asaresult,Ishouldhavehad{$0.00}subjecttothepurchasesinteresteachmonth.

MyXXXXXXXX,XXXXstatementshowspurchasesweremadeandthepaymentandgraceperiodwereappliedcorrectly.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX - Mailed letters to creditors and courts requesting verification of debt for accounts included in Bankruptcy. Creditor responded they verified debt with the " courts ''. Mailed verification of debt to the courts. Courts responded with " they '' DO NOT verify debts with creditors. Sent this information to the creditors requestion method of verification since " courts '' denied verifying any info. Creditors have failed to respond to verification XXXX XXXX XXXX  - Re-sent letters to creditors requesting verification of debt. If creditors do not respond, I want this information deleted from my report.