davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The following items have been disputed on my report and the companies haven't reached back out to me. 

XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2017-02-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

I am trying to pay my car loan off sooner and I have paid extra online and I called before I paid and after I paid and checked online to see where the money posted. Gmfinancial made the money post to 2 months and sent me a statement with the next month bill a zero amount due.But they charged me extra interest. I called them to fix it and they then placed in all on XXXX month and then made my bill be late. I called again to fix it they then put it back to paid in advance and not put the extra on principle. They act like they do n't want me to pay extra to principle monthly.
Consumer complaint received 2016-10-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception " intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never " intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the " suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is " closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as " suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the " suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. 

Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of XXXX XXXX.
Consumer complaint received 2022-02-12
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. (GA)

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : {$350.00} XXXX XXXX XXXX XXXX : XXXX -- -> : {$400.00}
Consumer complaint received 2022-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (GA)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2015-06-10
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I purchased a prepaid MasterCard and when I went to use the card, it was declined. I called the number on the card and was asked to fax my receipt in and a new card would be issued. It has been 3 months and several phone calls later and still have n't received the new card.
Consumer complaint received 2022-02-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

This concerns Mr. Cooper Mortgage XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I have paid my paid my XX/XX/2022 mortgage 3 times on the following dates : XX/XX/2022 ( online payment of {$690.00} conf # XXXX ) XX/XX/2022 ( unauthorized debit from XXXX Bank for {$690.00}, which the bank returned ) XX/XX/2022 ( customer service rep made withdrawal for {$690.00} conf # XXXX ) I paid XXXX 's mortgage on XX/XX/2022, conf # : XXXX. At that time, customer rep, XXXX, informed me that XXXX 's mortgage, which should be {$690.00}, was NOW {$740.00}! 

This included a {$19.00} charge for payment over the phone. She waived this additional charge. However, I was also charged {$30.00} for insufficient funds on a check that I never wrote! I have NEVER paid by check in the five years I have been doing business with this company. 

Additionally, I sent a check in XXXX to apply to my XXXX mortgage in the amount of {$200.00} along with a letter explaining how to apply this amount to my XXXX mortgage. I received this check as a XXXX from the XXXX XXXX to reduce my XXXX mortgage to {$490.00}. Instead of reducing my XXXX mortgage, I was charged 3 times. I am XXXX XXXX XXXX and living on a fixed income. Unbelievable!
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MN)

I had asked for an extention when for when I was to start paying my student loans back. They said they were going to grant me a forbearance for 1 year because I was on public assistance. A while later they had started marking me as non payment. I noticed this on my credit score. I called and they gave me the runaround. They said they were going to look into it. Then they determined the proper procedures were n't followed to maintain the forbearance. I did everything they asked me to do. It is on record that they stated I would not have to start paying the loan back for 1 year. They started reporting non payment after about 4 to 6 months later. After talking to them again, they put it in forbearance again but would not remove the derogatory marks from previously. I even started my payments early. This is through nel net.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

Paypal i do not understand what happend with your system. 
i already received the email for withdraw my money, But the problem was after i try with the agent to withdraw the money to my account, the system limited again the account. 
So i just made one change into the account and your system blocked me again. 


i just want you help me to fix the issue with my account. 
i already explaind to you what going up, at the time when i try to withdraw the fund. 

I hope you really try to help me becouse i feel really depress with this situation. 

i upload the document and screen shot about my account. 
my email addres is XXXX XXXX
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MA)

My wife and I opened a Chase Freedom account. When we made our first payment we had a typo in the account/routing number. After we corrected the info, every time we make a payment the payment is put on hold. We never make late payments and all of our payments are way above minimum $ XXXX- {$500.00} every time ) They have no problem taking our money but when we need the funds we just paid them ... now we have to wait for the to be removed.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is for Bank of America credit card. The dispute case ID is XXXX. On XX/XX/2016, I purchased a {$400.00} XXXX gift card on XXXX using the credit card. Upon receiving the the mail, it was just a piece of paper with numbers in it. I tried to use it in the store, it was showing {$0.00} balance. I was scam by the seller. I dispute the charge with the credit card company. It came back few months later denied the dispute. I want to appeal the dispute, however they refuse. They said I need to have XXXX to have a statement showing where and how the gift cards were used. XXXX will not give that information out. Only the seller who if he/she have the receipts for the gift card can have that information. I do not have that information as I am the buyer. Bank of America does n't care. They would n't do anything. Bad company! This need to be adjust!
Consumer complaint received 2016-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

A Federal Tax Lien was filed against me in XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was then paid and released on XXXX/XXXX/XXXX. I have disputed the continued reporting of this lien by Equifax several times on the basis of the FCRA 's statement that " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old '', as well as multiple articles from credible sources such as XXXX ( run by XXXX ) that clearly state " Once paid and released, a tax lien must be removed seven years from the date it was filed. '' I spoke with an Equifax customer service agent who advised that their policy is to delete tax liens from credit reports after ten years from the date they were paid/released. I asked if there was someone I could speak to about this issue and she advised my only option was to write a letter to the Equifax Legal Department. Both XXXX have deleted the tax lien from my report. Although they are separate agencies, they are all bound by the FCRA and federal law. On Equifax 's own website under the FCRA Summary of Rights, is this statement that the FCRA protects you by requiring consumer reporting agencies : " Delete outdated information. In general, negative information that is more than 7 years old ( 10 years for bankruptcies ) must be removed from your file. '' Equifax has created their own policy regarding the deletion of negative information such as tax liens, and is skirting federal law by exploiting short, vague phrases in the legal verbiage such as " in general '' and " in most cases ''. When credit reporting agencies are able to manipulate federal law and create their own individual policies that completely differ from XXXX another, i.e. there is no consistency among the agencies, that equates to a complete disregard for consumer rights and a lack of accountability or governability amongst them.
Consumer complaint received 2020-05-01
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)

Experian is reporting on my mortgage with XXXX XXXX   a comment/remark that is not accurate, nor authorized : The comment reads, " Account effected by natural disaster ''. This is false as the account is paid as agreed and current. Therefore, no remark nor comment is necessary.
Consumer complaint received 2016-08-17
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear Bank Of America I am requested assistance regarding HELOC from XXXX. 
I have been trying to resolve matter for some time now. 
I faxed a request for copies of all withdraws ( checks/wire/other ) and payments ( checks/wire/other ) and or reference to confirm whom completed or received funds. 
to my knowledge I have not received a response Would you also confirm whom is the borrower. 
See transaction history a withdrawals up to XXXX on XXXX/XXXX/XXXX that was not authorized as well as XXXX XXXX/XXXX/XXXX - see all withdrawals It appears I was deceived, mislead regarding HELOC and did not understand and no one will answer questions for clarity. 
I did not agree to HELOC someone/entity withdrawing funds from account without my knowledge or approval.
Consumer complaint received 2023-03-30
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. (KY)

When I reviewed my credit report, I discovered that there is an account that was erroneous. The 3 credit bureaus must validate this account. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and remove in my file and is listed on my credit report : XXXX XXXX Balance : {$4900.00}
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

received a letter from chase that they are closing my business checking and saving account because of unexpected activity! they do not provide any information what are these " unexpected activities '' their decision is causing me big loss of money and time, I have many unused checked I paid for them! how is responsible for these loss? 

If they are closing my account I am entitled to know what did I do wrong exactly! is it dictatorship in this country that they just can say it is what it is, with out providing information? 

I am 100 % that I did not do any " unexpected activities '' and it is a big misunderstanding and if they provide more info there must be an explanation that will fix the issue.
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (FL)

midland funding has repeatedly attempted to sue me for a debt they due not own, filed suit in a state that I do not live in and where the debt was not incurred or billed. Improper service, they taped a summons to the front door of a house I do n't live in and got a default judgement after two attempts.
Consumer complaint received 2023-03-30
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: Key 2 Recovery, Inc. (MI)

This is to inform you that, XXXX XXXX XXXX is a victim of a fraud committed using my the identifying financial information pursuant to FCRA 15 USC 1681a ( q ) ( 3 ) because the data furnisher FAILED to give the consumer FULL DISCLSOURE regarding its opportunity to Opt Out of the disclosure of nonpublic personal information to third parties before such information was disclosed. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA a consumer report does not include ( i ) any- report containing transactions or experiences between the consumer and the company making the report, unless as stated in 15 USC 6802 ( a ) ( b ) ( 1 ) & 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) the customer is given the opportunity to opt-out and fails to do so. 

Pursuant to 15 USC 1681a ( q ) ( 4 ) an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. It will also make sure that inequitable information do not reappear on the credit report. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency.
Consumer complaint received 2019-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I called Experian today XX/XX/XXXX because I received an email stating there was an update to my file. I explained to the Representative that a tradeline had been inaccurately deleted from my by them per the representative I spoke with 3 weeks ago. The first Representative today told me my creditor had the account deleted on XX/XX/XXXX after I stated that is false information because I spoke with the creditor who stated they received a Block notification from Experian on XX/XX/XXXX. The Representative then stated it was deleted due to the address the creditor was reporting that was reported as a fraudulent address which again was incorrect because I verified the address my creditor was and is reporting. The representative then stated my creditor is reporting the trade line but they are reporting it with an old address, I then asked why is it not showing on my credit report if it is reporting, he then stated my creditor needed to call and speak to their Experian Rep at XXXX. I asked to speak to a Supervisor or Manager and was put on hold for 50 min until I stated I could hear all the representatives in the background and his call time was increasing, so it would look better if he just hung up on me and he did. When I called back and got the next representative she again stated my creditor was having my credit blocked and I explained to her I spoke to the creditor again on XX/XX/XXXX who told me they sent the proof via email to them that they sent the block notification and the sent the reinsertion form to have the trade line put back on. I asked to speak to a supervisor or manager and was told they will tell you the same thing to send a reinsertion form. I asked again to speak to the manager or supervisor and was told to hold I would be transferred to him and I was sent to the voice mail of XXXX XXXX because he did not answer the phone. I sent my letter stating the accounts were not fraud as I was instructed by the first representative 3 weeks ago and the creditor has sent a reinsertion form with proof of their mistake to them.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

This account ( XXXX  # XXXX ) is reported to have been opened XX/XX/XXXX. There is one month of payment history reported by the issuer, which has been disputed as inaccurate and incomplete on a number of occasions.

The issuer will not furnish complete and accurate information to the credit bureaus. 

On XX/XX/XXXX, Experian stated that the account was updated, but the report shows the last status update was XX/XX/XXXX, which means they never investigated and there was no update or, the issuer provided false information. The payment history is still missing. 

I have a legal right to complete and accurate information to be reported on my credit file. If the information can not be updated or corrected, then it must be deleted. 

The omission of payment history has negatively impacted my credit score. Since this will not be updated or corrected, I demand that this item be immediately removed from my credit report.
Consumer complaint received 2023-03-30
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: Experian Information Solutions Inc. (TX)

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. 

Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : # XXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : 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.