davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

They have not responded to my disputes at all. 
XXXX XXXX XXXX XXXX XXXX XXXX for {$31000.00} was released and the balance is {$0.00}. This was released by XXXX and recorded as released with XXXX XXXX, CA. Equifax still shows it as open after years of being released.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TN)

I have disputed several items on all XXXX of my credit bureau reporting agencies. So far, I have received minimal help as well as help verifying information that is place on my credit report. I have not been able to get any proper documentation from a company listed on my credit report nor has the credit bureau responded in the bet manner
Consumer complaint received 2016-05-13
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ray Klein, Inc. (HI)

I contacted Professional Credit Services to assist me with settling a long standing debt with XXXX XXXX XXXX. I explained very clearly that I am the XXXX of a XXXX parent and that I was her sole breadwinner. I was told by one representative ( XXXX ) that I would be able to settle this debt and get it removed from my credit report. XXXX transferred me to a man named XXXX who not only told me that he refused to settle, but was very abusive and wanted me to send my mother 's medical records to him to prove to him that she was XXXX. I told him that I would n't do that and that because of how he was treating me considering that I initiated the call myself to try and get this debt settled, I disconnected the call.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2022 @ approx XXXX I entered Bank of America XXXX XXXX XXXX XXXX A customer was had been 30min with teller. I never complained I waited patiently. When the customer finished her transaction she moved aside and carried on a causal conversation. I then asked please move aside you are done have some consideration for others you took 30min please move on. The customer started to be beligerent and loud and abusive verbal assault. " I '' asked the teller to please get your customer from verbally assaulting me she said that can't stop customers it's not her affair I then asked should I call the police. Then the next day I tried to use my account and it was closed. I called to find out why was told I was being beligerent to customer I was the victim the tape will show but because the manager and the customer was white Hispanics I was not the victim XXXX female. MY ACCOUNT WAS CLOSED THEN THE MANAGER TRIED TO DELETE THE REASON AND THEN LIED THAT I REQUESTED THE CLOSURE. MY ENTIRE Financial SECURITY WAS IN RUIN. I WAS ON VACATION WITH MY FAMILY AND WAS STRANDED. PLEASE HELP ME RESTORE MY ACCOUNT MONIES LOST FEES CHARGED CHECKS NO LONGER HONORED... OBLIGATIONS IRS Agreement PLAN NOW JEOPARDIZE LIEN TOWARDS MY HOME THE LIST GOES. PLEASE GET JUSTICE ON MY FAMILY BEHALF XXXX XXXX UNDUE STRESS CORSOL LEVELS ETC. THIS MANAGER NEEDS TO KNOW All lives matters. Every one must be treated within the law. She unlawfully closed my account tried to cover it up... then lied that I requested it.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge the account.
Consumer complaint received 2015-05-02
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (NY)

XXXX XXXX disclosed amounts owed on loan to party not affiliated with loan or non-account holder. Disclosed amounts owed, settlement options, and communicated delinquency status with non-account holder.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (FL)

This account should not be on my credit report. Medical charges has been processed by my Medical Insurance. I have no regulation of this account. No XXXX Services. As a result, I have been gravely affected and my credit score is suffering. as a result of this account. There was no warning ever given, which is a violation of consumers rights. I am requesting that the charge be removed. 
XXXX {$260.00}
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (FL)

Fortiva Credit Card, a division of XXXX XXXX XXXX XXXX, reported that I was 30-days past due. On or about XX/XX/2022, the undersigned cardholder contacted Fortiva 's Customer Service department to inform them that they had inaccurately reported information to the national credit bureaus. The undersigned spoke with a Customer Service Manager who agreed that their information was inaccurate, and requested the national credit reporting agencies remove all negative information from the undersigned 's personal credit report. On or about XX/XX/2022, the undersigned reviewed his credit score. The undersigned 's credit score had fallen by XXXX points as a result of incorrect information that XXXX XXXX XXXX  had reported, which resulted in the undersigned 's credit score rising to XXXX. In accordance with the recorded conversation with a Fortiva manager who stated that she had sent a request to the credit bureaus to correct all negative information reported by Fortiva. Today, despite their contractual agreement to correct ALL negative information while the undersigned remained on the phone. Fortiva 's Customer Service Supervisor ( who reports to the Customer Service manager ) *refused* to correct the negative information that appears in two ( 2 ) fields of the undersigned 's personal credit report. One of the two fields was corrected, but the Customer Service supervisor refused to correct the 2nd incorrect field that was reported to the national credit reporting agencies ( CRA ), however, today, XX/XX/2022, Fortiva reported, or failed to correct, all of the information the disputed items during the XX/XX/2022, agreement. The Customer Service manager refused to listen to the undersigned because the undersigned had stated that he is an XXXX, and that the dispute between the parties had been resolved on XX/XX/2022, and that if Fortiva would not correct the negative information pursuant to the XX/XX/XXXX agreement, he would file an administrative complaint to Fortiva 's federal regulator and/or file a lawsuit against Fortiva for breaching its agreement and its knowing violation of the FCRA by reporting information that Fortiva had agreed to remove, which resulted in a denial of opening a new credit card. 

The undersigned had applied for a credit card yesterday, and was denied solely because of the undersigned 's credit score. Because the undersigned had reviewed his credit score on XX/XX/2022, his request for credit was denied because of the lower credit score caused by Fortiva 's breach of contract, discussed above. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Florida XXXX XXXX XXXX
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Gold Key Credit, inc Re : Account # XXXX This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU {$940.00}. 
By not replying in a timely manner to my initial letter also A debt collector is required to send you a written notice within five days after you are first contacted, telling you the amount of money you owe. The notice must also specify the name of the creditor to whom you owe the money and what action you should take if you believe you do not owe the money. you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXXSSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2017-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac, the mortgage company that services me refuses to report my payment history to the Credit Bureaus XXXX, XXXX etc.. 
my loan number is XXXX the address is XXXX XXXX my name is XXXX
Consumer complaint received 2021-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (OK)

I have called multiple times from XX/XX/2021 thru XX/XX/2021 to make a payment. I can not reach a live person. When I try to make the payment it keeps kicking my off and now they have added multiple late fees. Sallie Mae is the absolute worst company I have every in my life dealt with. I do not know what I need to do at this point because I can not speak to anyone. I was on hold for over an hour and never got anywhere!!!!
Consumer complaint received 2017-09-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been requesting verification of the following account that Transunion continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Transunion listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. On XX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. On XX/XX/XXXX, I also contacted the number listed at the bottom of my XXXX XXXX  confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX. She also stated that there is NO inquiry from Transunion or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Transunion shows as reported on XX/XX/XXXX.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-02-16
Product: Credit reporting 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. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a letter from Bank of America, dated XX/XX/2022, asking me to call them right away because they'd detected suspicious activity on my credit card and as a precaution they've temporarily suspended the account. Afterwards, I called the phone number given on XX/XX/2022, and spoke to the fraud department of Bank of America.They informed me that a credit card had been opened in my name of which I informed them that I had no knowledge of. They told me that the credit card was opened with a $ XXXX credit limit and that {$14000.00} had already been charged on the card. They also reported that a payment had been made on the account as well. Since I had no knowledge of this account, they informed me that they would, and did, immediately close the account and I was instructed to make a police report of this incident and to also inform the credit bureau 's of this occurrence. They also told me that I would not be responsible for this debt. My next step was to go directly to a Bank of America on XX/XX/2022 to confirm that the letter was actually from them, in which they informed me they could only confirm that the account referenced had been closed and that I should continue to make a police report. The XXXXXXXX XXXX XXXXXXXX. referred me to you to submit this complaint before we can actually file the police report.
Consumer complaint received 2015-04-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

I SENT A LEGAL LETTER ASKING THE COMPANY TO STOP CONTACTING ME AND TO NOT REPORT THIS ACCOUNT ON MY CREDIT BECAUSE ITS NOT MINE AND THEY HAVE YET TO DO SO
Consumer complaint received 2015-10-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Columbia Collection Service, Inc. (OR)

The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans union allowed XXXX XXXX XXXX XXXX to pull my credit report a number of times with out permission purpose or a legitimate need to obtain a copy of my credit report. XXXX XXXX XXXX XXXX closed and stop all further collections on an account that they had last year due to the debt being Exempt from debt collection for being on Social Security XXXX for life. since they closed the account and stop all collections on this account they have no permission purpose under The Fair Credit Reporting Act ( FCRA ) to pull my credit report for account reviews when they have no account that is open to collections from me If you stop all further collection and closed the account you have no right to review my credit report on a closed account unless you are still trying to collect on exempt funds
Consumer complaint received 2017-01-04
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: V.I.P. MORTGAGE, INC. (AZ)

My issue is with VIP Mortgage XXXX XXXX Branch XXXX, Arizona XXXX me and my wife signed a Pre Quailfied Contract to Buy a home and use VIP as Lender. After 10 weeks in Escrow we had to extend closing date 3 times due to issues with underwritting and we really never got the main reason. Long Story short on the final closing we were told they could not do the Loan. Latter that day XXXX found out that XXXX XXXX gave ALL my personal information and Documents to a outside Competior XXXX XXXX Loans without my Permission. ( Privacy Act ) My main complaint is that he shared my personal information. 2nd Complaint is how a Company can string along a Family for this Long only to leave us without a Home. We recieved a Denial letter last night that Stated the Reason for being denied was due, INFORMATION FROM CREDIT REPORT. Note : Why take 10 weeks to find this out before stringing us along? We have copies of our Credit Report and we obviously Were Pre Qualified on day # XXXX ...?
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (SC)

My checking account was hacked and on the advice of my bank this account was closed and a new account was opened. My mortgage was on automatic draft and since my account was closed my payment failed. The new account was set up and the payment was made. Dovenmuehl has added this charge to my mortgage payment. I was told to send a letter of explanation requesting that it be taken off. My XXXX statement arrived still showing this charge. I called and was told that a denial letter was sent to me but I never received it. I so told them that I could get a letter from my bank verifying and explaiNing the issue but was told that it would n't matter. I was told that they did n't have to remove the charge. I have never given this company any bad checks or had any payment rejects. 
There is clear documentation that my account was hacked. The new payment was made on time. Why is this bad check fee being added to my mortgage payment?
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

So I hired XXXX 's to replace carpets for stairs in my home. I paid for XXXX of underlayment padding per contract, while contractor only installed XXXX. I reported the issue to XXXX 's and XXXX 's couldn't help because contractor claimed all material was used. I escalated issue to card issuer Synchrony Bank, and the dispute team first investigated in the wrong direction, and then closed the case in favor of merchant without collecting anything to refute my claim, saying that I needed to work with XXXX 's to get it resolved. I'm tired of going back and forth with the two entities. 

It's a simple fact that they used only XXXX -- anyone can stop by and measure and I have photos to prove too -- while claiming they used XXXX. This collusion of merchant and bank is ridiculous and disgusting.
Consumer complaint received 2016-09-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (TX)

Hello, I graduated from XXXX XXXX XXXX in XXXX NY in 2004. I have been paying on the loan for the past 12 years, have paid off very little principal, the interest is adding too fast. I would like to get these loans forgiven because the school has gone out of business, the degree has no accreditation and no respect in the work world. I was defrauded by this company. I have federal loans from XXXX XXXX, and private loans with Discover.
Consumer complaint received 2017-02-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NJ)

Over the last 12 months I have sent multiple letters to Equifax stating XXXX XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX XXXX took the tax credit once this account was written off. 

XXXX XXXX