davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
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: Experian Information Solutions Inc. (FL)

Experian has continue to report negative items on my credit report that do not belong to me. They have sent me paperwork indicating that they are no longer on my report, but still have them there which is against the law. The following accounts need to be removed form my Experian report as they are not mine : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. # XXXX 3.  XXXX # XXXX 4. XXXX. XXXX XXXX # XXXX 5. XXXX. of XXXX # XXXX 6. XXXXXXXX XXXX   XXXX # XXXX 7. XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-09-12
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (IN)

I applied for a loan that I received a flyer about in the mail. It was for {$1000.00} The loan was effective X/XX/2017. They said the interest could be up to 35 %. It actually ended up being 557.43 % interest. I have paid 2 payments of {$210.00} and they only put {$1.00} against principal for each payment.. They never sent me the pay schedule until they deposited the money. I contacted the company on their website and they would not respond. I called their number and they kept going around my questions. This is totally a scam. I need relief severely. They keep taking money out of my account every two weeks and I am not getting anything paid up. Please help!
Consumer complaint received 2020-07-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (NY)

On XX/XX/2020 I opened a checking account with M & T bank for a promotional offer of {$400.00} for maintaining a balance of {$10000.00} for 90 days. I used promotion code " CG '' with the in-branch representative. The application went through and my account was opened. After maintaining the balance M & T is refusing to honor the bonus citing the following : " My research shows this was a special promotion and the offer is non-transferrable. Only the person receiving the promotion qualified for the bonus and as a result, we are unable to offer this promotion to you. I apologize for the misunderstanding. '' This issue wasn't addressed to me at the time and the system proceeded with opening my account and accepted my deposit. The system should have rejected the offer code if I wasn't eligible and not open the account. Instead M & T chose to accept my monies for their use. They have used the capital to make money while the consumer is left with nothing.
Consumer complaint received 2020-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (GA)

So, American Coradius International L.L.C is shown on letter. I am not entirely convinced of this debt, some of the account information listed does seem to show some information related to one of my XXXX XXXX credit cards. However ; with being a victim of identity theft, I must make sure with out a shadow of doubt this company and its ' affiliate ( s ) and personnel such as XXXX XXXX contacting a relatives phone and subsequently, trying to reach me through my relative which the relative, wants Ms. XXXX XXXX to Cease and Desist said phone interruptions.
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Modern Adjustment Bureau (CA)

Please see attached detailed letter outlining all issues. Original creditor ignored my initial telephonic and written inquiries regarding the debt.The statute of limitations has since run. 

It's fine to publish my letter. Thank you.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unable to have XXXX, XXXX, and TransUnion ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX Bank XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. 
Dispute : XXXX XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; XXXX XXXX, XXXX. Dispute : Data entry is not current/correct.
Consumer complaint received 2016-04-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC (AZ)

The following debts have been paid and nothing is owed to Heathcare Collections d/b/a XXXX Acct # XXXX - {$180.00} paid in full - see attached documents Acct # XXXX - {$180.00} paid in full - see attached Acct # XXXX - {$140.00} paid in full - see attached All of these accounts have been paid off through my bank account ACH
Consumer complaint received 2015-05-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC (LA)

I have been contacted by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ext. XXXX regarding a debt through Castle Payday. I tried calling Castle Payday about the account, but it refuses to forward to me a validation of debt. Meanwhile, this person from XXXX keeps calling my employer, family and friends stating that I have committed fraud. The people of XXXX will not give me their address, fax number or email address.
Consumer complaint received 2022-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (NJ)

On XX/XX/XXXX XXXX XXXX, my personal bank, informed me that my account number with Comenity Bank ( Express ) had changed. I reached out to Express for details surrounding the change that same day and have been getting the runaround ever since. I have spoken to supervisors at Comenity Bank 4 times and each of those four times, been given different information. The first time I was told that the account had switched to a 16 digit format, and a new card was ordered. Comenity was unwilling to explain how XXXX notified me of the change before they did at this point. At this point I opened a case with the Better Business Bureau ( XX/XX/XXXX ), which went ignored by Comenity Bank. When the new card came, it came with a 9 digit account number. I called Comenity back and was told, that the account number should not have changed to a 16-digit number. Comenity was still unwilling to explain how PNC notified me of an account number change, specifically since my account number should never have changed. Then, on XX/XX/XXXX I received yet another new card, with yet another 9 digit account number. This time when I called Comenity to find out what was happening, I was told that the account should in fact be 16 digits long, and that they had no idea how or why I kept getting 9-digit cards. The supervisor at this point told me that I was notified of the change on the statements that I had been receiving. However, Comenity did not cut any statements for me since XXXX, since I keep a XXXX balance and have not used the account since then. Finally, I received a call from Comenity, also on XX/XX/XXXX, from what I believe to be the Complaint Management Teams, because I have made so many complaints to Express about the issue since the beginning. The final person that I spoke to, told me that a 9-digit account number was in fact correct and that she would be working to get to the bottom of all the differing information I have received to this point. This is not acceptable, how can consumers trust in Comenity if they can not even answer simple questions or keep things straight. How was PNC notified of the change before I was? Why was I given different answers from each person I spoke to? What should my account number be? Is there a way to close out the account- which is my oldest credit line- without it negatively impacting my credit score?
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-27
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. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I consolidated my subsidized loans in XX/XX/XXXX and began payments in XXXX or XX/XX/XXXX. I immediately enrolled in an Income Based Repayment Plan and have stayed in the IBR plan ever since. I submitted Employer Verification Forms for each employer demonstrating I worked at non-profit 503cb. XX/XX/XXXX I was notified that 25 of my payments did not count, even though I was in the same repayment plan and working at 503cb companies. FedLoan processing told me they had 12 months to conduct a manual review. I've called a few times to check in during the past year. Today when I called FedLoan and spoke to a customer service agent, I was told that FedLoan has no timeline and can not tell me when my employer certification forms/payments will be reviewed. They also can not tell me why those payments do not count towards my 120 payments in Public Service Loan Forgiveness program. I understand that my 120 payments won't be done until XX/XX/XXXX but I'm upset FedLoan originally told me a year to review and now is telling there's no timeline and no requirement that they correctly service my loan.
Consumer complaint received 2018-06-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

The purpose of this letter is to file a complaint against Wells Fargo Bank for an unfair, abusive and deceptive act and practice associated with the up charging of rate lock loan discount fees from the time it was disclosed on the initial loan estimate to the time I received my closing disclosure. There was no additional credit risk taken by the lender at closing and certainly no reason to charge me a higher discount fee. 

My understanding of an interest rate lock is that the interest rate and loan fees or discount fees are locked for a period of time ( 60 days in this case ) based on the loan amount and type of transaction requested. 

I will attached a more detailed letter of explanation when prompted.
Consumer complaint received 2016-04-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Capio Partners, LLC (FL)

I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The address dispute has been received and should be completed by XX/XX/2022. 

Source : XXXX Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX I had on several occasions written and indicated to XXXX XXXX XXXX and Transunion to correct my address but they have refused since XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Good Morning, My name is XXXX XXXX and I have been a customer of Bank Of America for over 20 years. Recently I called them to report fraud that had occurred on my account. They immediately told me they were going to freeze my account, have their fraud department investigate, and told me I needed to visit a local branch to open a new account and have my money transferred over. I followed all their steps and waited 2 weeks to get a response back from them regarding my fraud case. When I called to inquire about it they kept telling me to go to my local branch because they were having issues. I visited the branch at least 3 times during my workday and got the run around multiple times. After 2 weeks I got a phone call while I was at work from the Bank Of America fraud department that my claim was being denied because there was no fraud and that they would send me more information about the investigation. Not once in 2 weeks did they attempt to call me to get additional information about my account and what actually happened. They decided to close my case without gathering all the information and when I tried to call them they hung up on my at least 3 times. I asked for supervisors multiple times and yet they refused to connect me. Then they told me they would call me back with answers with 48 hours and they never did that. I decided to visit the local branch again and see if they could help. They called the fraud department and told them the same information about how they were going to call me back and get the investigator on the phone. That never happened. All these calls are recorded and I had to talk to at least 20 different people and explain the situation over and over again. On top of that my money was being held up by Bank Of America and fees were being assessed because they had locked my account. Also someone from the internal bank had changed my account user id and password without my consent. And each time I inquired about that no one at the bank could answer my question on who did it. This situation had been a total nightmare all while my money is still at the bank and I have no answers on how the fraud happened. They have treated me like XXXX, lied multiple times, and refused service. This is unacceptable and I had no choice but to file a complaint and escalate this. I'm hoping you guys can force them to do their job and stop giving me the run around. They messed up this entire situation and my account. I will not let this go!
Consumer complaint received 2022-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Being sued by portfolio recovery for a credit card debt over 7 years ago an to refund the payment of XXXX, if not paid will be processed as a credit card fraud or failure to pay,
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have A FRAUD ALERT SET FOR ALL THREE BUREAUS i have for this very reason for fraudulent activity ... ... .. i recently saw a inquiry dated between XX/XX/XXXX/XX/XX/XXXX from XXXX I HAVE NO IDEA WHAT OR WHO THIS IS I HAVE NO KNOWLEDGE OF THIS AND WANT THIS REMOVED FROM MY REPORT AND A NEW REPORT SENT
Consumer complaint received 2017-08-23
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: SYNCHRONY FINANCIAL (NY)

XXXX XXXX continues to report erroneous inquiries and public record information related to a closed fraud investigation in which no loss was incurred. I had written to them, under an FRCA complaint, and they stated that the information would be removed within 60 days. It has now been over 8 months and the Lost/Stolen information is still showing in my credit file under Public Records. They are in violation of the FCRA ...
Consumer complaint received 2017-08-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WA)

In XX/XX/XXXX, we submitted documents for a Short Sale to Fay Servicing. Fay Servicing communicated to us regarding the short sale for several months, and a complete short sale packet was confirmed received shortly thereafter. After the thirty day timeline that Fay Servicing had to respond to us had passed, I followed up several times for status over the telephone, and by email on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a response from Fay Servicing 's representative, stating that the current offer was denied, without counter offer. That same day, I requested a full explanation and appraisal report. The representative asked if I was talking about a {$45000.00} offer on the property, and informing us that their BPO came back at {$280000.00}. I corrected him, directing him to the {$270000.00} offer in the file, and asked him to resubmit the accurate information to the investor for their review. I followed up on XX/XX/XXXX by email. On XX/XX/XXXX, the representative confirmed the file had been submitted to the  investor for review, and requested further documents. We discussed the documents and ultimately provided them, however, on XX/XX/XXXX, the representative stated that the investor has countered at {$370000.00} - a {$90000.00} increase over their own valuation of the property. I challenged this and supplied further documentation, and was informed that on XX/XX/XXXX, the investor denied the offer and is demanding the property be relisted at {$370000.00}, despite the {$280000.00} valuation they hold on the property. We found that the net proceeds they are seeking through these actions reduce the short sale write off to less than {$5000.00}, but risk their borrower losing their home to foreclosure in the process. We believe these actions are in bad faith and violate the spirit of the negotiation process.