davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I called Bank of America because none of my business account alerts were being received. This triggered {$140.00} in fees for my two business accounts. 

They alerted me that all my alerts for my corporate account were cancelled. They tried to see why and fixed all my alerts to work. 

I was advised to use these alerts to cover any overdrafts. 

After asking for a refund of the fees, I was informed that their banking alerts are not considered bank error. Then I was told I was charged an overdraft fee only for posted transaction. 

It was a pending transaction that caused the overdraft. Then they said I can speak to the overdraft department. 

That department does not handle those fees. So I called back and was transferred to a supervisor named XXXX. 

Where he was very insulting and disrespectful stating that the banking alerts that I set up would not work and it was not their fault. 

And that their banking alerts which are tools to minimize client risk. I have been charged {$140.00} in fees.
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXXXXXX XXXX has been improperly reporting an old account that is no longer open. The account is a paid charge-off account. The balance was {$380.00} dollars and I had paid {$320.00} dollars to settle the account back in XX/XX/XXXX. The issue is that XXXX XXXX XXXX  has reported the account as failed to pay in XX/XX/XXXX and XX/XX/XXXX also XX/XX/XXXX and XXXXXX/XX/XXXX. Those 4 marks had greatly impacted my overall credit score and they should not be listed as failed to pay. They in fact should be listed as a charge-off in the payments history. Having 4 failed to pay marks well after I had settled the account isn't proper credit reporting. This has damaged my credit and so be remedied
Consumer complaint received 2018-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates is listing 2 separate accounts as in an open status. They are both from the same creditor XXXXXXXX XXXX. They are both paid collections and should be listed as a closed status.
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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I originally applied for a loan with XXXX XXXX on XX/XX/XXXX for underwriting. The loan ( XXXX ) was pre-approved and then transferred to Mortgage Loan Officer-XXXX XXXX on XX/XX/XXXX because he was licensed in Georgia. 

On XX/XX/XXXX, XXXX XX/XX/XXXX access my credit file unbeknownst to me and started another application for underwriting even though they had all the necessary documents. 

On XX/XX/XXXX, after I pressed the issue with XXXX XXXX, the Georgia branch manager, however no logic explanation was given. On XX/XX/XXXX, I terminated my loan ( XXXX ) and relationship!
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MD)

XXXX  is a reputable company that sells high end pajamas. Individual ( s ) intent on fraud mirrored their website and stole the look and feel, including all of the pictures of models and merchandise, and created XXXX, posing as XXXX XXXX. My wife had been on both websites and couldn't tell the difference and ordered pajamas as XXXX presents from the fraudulent site. She eventually received pajamas from the fraudulent site that were not from XXXX XXXX, were different colors and worse quality, and had XXXX labels on them, not XXXX XXXX labels. The fraudulent site, XXXX only has an email for support so we sent an email to XXXX months ago with no response. If you click through their website it reroutes to XXXX. 

I disputed the purchase with Chase bank, the card used for the purchase, sent them a written explanation, sent them a follow up written explanation with photos of the fraudulent product that arrived, and they claim they are unable to provide a refund unless I have an expert testify in written form the obvious fraud. They also indicated that even thought they asked for pictures they don't use them in an assessment of fraud.
Consumer complaint received 2018-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

My home was an Conventional Loan and it seems it is in an Equity Trust XXXX with XXXX XXXX. I have never had an Equity Loan on my property please explain why it is in a Equity trust in 2006. 

See below Home Equity Mortgage Loan Asset-Backed Trust Series XXXX XXXX, Home Equity Mortgage Loan Asset-Backed Certificates Series XXXX  XXXX. Their mailing address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, and telephone number is ( XXXX ) XXXX
Consumer complaint received 2018-06-23
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (OH)

I am nearing the end of the lease agreement of a XXXX XXXX XXXX that I leased in XX/XX/XXXX. The payoff sum is in estimated to be about 11,919. Financing will not be a problem. In order to obtain the proper financing, a vehicle buyout agreement will have to be obtained from XXXX XXXX XXXX ( XXXX ). Upon speaking to XXXX XXXX XXXX representatives, they claim they will send the requested documentation and then don't. This had been on going since early XX/XX/XXXX. Attempts were made on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

AllI I have received is lip service. This unfair tactic effectively ties me to the existing interest rates with XXXX holding the process hostage. I am entitled to payoff this debt at my own will using my own creditors.
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have attempted to dispute erroneous accounts with the credit bureaus but have received zero responses from XXXX XXXX, and TransUnion. Under the Fair Credit Reporting Act, lack of response to serious disputes is a violation and the accounts listed in the disputes should be removed off of the credit reports. I have attached the most recent letters sent.
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MI)

I participated in the refer a friend offer from American Express for my XXXX card. I was to receive XXXX points per friend referred up to XXXX points per year. I referred a total of 4 friends and the XXXX points appeared on my XXXX and XXXX statements. 

They never were deposited into my XXXX XXXX account though. I have called 4 different times and have been told there was an issue with referral points posting properly and that they should be deposited within a few days. Each time nothing happens.

The terms clearly say that the points should be deposited in my account within 8-12 weeks. Those dates have come and gone.
Consumer complaint received 2018-06-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC (CO)

Starting in 2018 Pacific Union Financial starting charging a fee for payments made after the XXXX  of the month ( {$5.00} ) and after the XXXX of the month ( {$10.00} ). This information is not included in my truth in lending paperwork and therefore should not be a charge I should incur. When I called customer service to ask about this, they said it was because so many people had defaulted on their payments that this was an effort to recover this. I have never been late on a payment in 4 years with Pacific Union Financial and do not feel this is fair to impose on customers who do pay on time.
Consumer complaint received 2024-02-21
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. (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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX XXXX Account number : XXXX I dont have the full account number but this is the number reporting on my credit report. 

However stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2021-03-02
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. (NC)

XX/XX/XXXX To Whom It May Concern : Re : File # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX SS # XXXX BD : XX/XX/XXXX I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. There seems to be a high-level of incompetence at this company, as I have continued to submit a dispute every 30 days with part of the disputes being removed and the other half remaining. This is asinine! Please remove the fraudulent information immediately from my file. Home Address : XXXX XXXX XXXX. XXXX, NC XXXX Accounts : XXXX XXXX, XXXX. - {$100.00} ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - CLOSED ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX - {$2500.00} ACCT # XXXX XXXX  XXXX/XXXX  - {$2600.00} ACCT # xxxxxxxxxxxx XXXX XXXX XXXX XXXX - {$4600.00} ACCT # XXXX You also have a few different listed addresses as my former address : XXXX XXXX XXXX  XXXX XXXX, XXXX, NC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX I have never lived at these locations. I have been at my current home for the past 25 years. I have included a copy of my utility bill for verification. There was also an inquiry that I noticed that does not represent a request from me. It needs to be removed as well. XXXX  XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (UT)

Specialized loan servicing denied my certified funds back in XX/XX/XXXX in the amount {$1600.00}. They denied for the reasons that incorrect account number or account closed, On the certified funds to make this payment it is the correct account number. I made the payment on time SLS denied the certified funds. I was notified by SLS of the denial of certified funds and when trying to figure this out for 6 months, SLS does not have any record of denying my certified payment. I made the payment on time SLS denied the certified funds. I need my payment history to show no lates for the last 6 months since SLS denied my certified funds. And again i had the correct account number on the certified funds SLS rejected the payment.
Consumer complaint received 2020-07-18
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)

XXXX XXXX XXXX XXXX Collection account. {$560.00} past due as of XX/XX/XXXX I have asked experian to remove this from my credit report. The balance on this account belongs to my land lord. I moved out on XX/XX/XXXX. I moved to Florida I have gas receipts for my drive down to Florida and I also have XXXX power notice when my electric was turned on in Florida and also my new lease in Florida and my moving out notification to my landlord.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX PIN : XXXX Copy of Drivers License : XXXX Copy of SSA Card : XXXX Copy of Car Utility Bill Insurance : XXXX Please remove Security Freeze, Fraud Alert, and Statement I am attempting to purchase a Home ( Mortgage ) and a Vehicle ( Auto Loan ) from all ( 3 ) Bureaus : Experian, XXXX, and XXXX. 
Please allow lenders to pull my credit. Phone Number XXXX is no longer my phone number. Please remove this phone number. 
Thank you, XXXX XXXX XXXX XXXX The phone number on my personal statement is incorrect. My correct phone number is XXXX and XXXX. 
XXXX : XXXX XXXX, GA XXXX Experian : XXXX  XXXX XXXX, XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX, PA XXXX Experian Experian Security Freeze XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-02-21
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
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. (MS)

In accordance with the Faiir Credit Reporting Act. Everything has to be 100 % accurate on my credit reports.The credit bureaus stated my account was properly investigated but as you see it is not and still reports inaccurately. Remarks are in accurate. Last day of activity is inaccurate on all three bureau reports. Payment history is inaccurate. Address is different on all three bureau reports. My privacy may have been violated as well with all three passing information around without my knowledge of it and where placed on my resports without my knowledge. None of the debts have been violated from the bureau as I requested on my letters. This also may be a violation as well.
Consumer complaint received 2021-03-01
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. (MD)

Ive contacted XXXX & they told me Ive never missed a payment, yet Experian refuses to remove me from being listed as 30 and 60 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. 
I constantly have to do Experians job for them to defend my credit & prove my identity. 
Ive send documentation ( BANK STATEMENTS ) of months in question prior and they STILL refuse to remove these harmful negatives from my profile.
Consumer complaint received 2018-06-24
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. (MA)

On XX/XX/XXXX my husband & I went to the bank to close on our construction loan and were notified that I was past-due for {$47.00} on a student loan payment from XXXX XXXX College. I had NO idea about this bill as I was never sent a bill in the mail after XX/XX/XXXX and was never contacted about having a balance. This " delinquency '' was reported to the credit bureau by XXXX  XXXX XXXX. 
I first called XXXX XXXX College where they told me that they had changed billing providers and no notification was sent out ( assuming this to be the reason I hadn't received a bill ). I called XXXX  XXXX XXXX and spoke to the manager, XXXX XXXX where it was confirmed that I never got a statement or any late statements from XXXX XXXX XXXX. I told him that I would gladly pay off any balance ( now that I knew it existed ) and that this problem be cleared up and deleted from my credit report by both Experian AND XXXX. XXXX said he would notify both credit bureaus ( as is seen on the attached documents ) to have those delinquencies deleted and removed completely as it was a miscommunication- that was back on XX/XX/XXXX. 
It is now XX/XX/XXXX and I received my credit report in the mall from XXXX and the delinquencies are still showing on my credit report and say they will remain there til XX/XX/XXXX. 
I want any and all elinquincies and negatives completely deleted and removed from my credit report ( like they said they were going to do ) as soon as possible as this has caused a huge mess on my perfect credit and our ability to close on our construction loan.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

I AM FILING THIS COMPLAINT AGAINST EXPERIAN CREDIT BUREAU BECAUSE I HAVE FAXED A FORM SENT TO ME BY EXPERIAN TO IMMEDIATELY REMOVE THE FRAUD ALERT ON MY CREDIT REPORT. 
I RECEIVED A TRANSMISSION VERIFICATION REPORT ON XX/XX/2020 VERIFYING THAT MY REQUEST Faxed to EXPERIAN FAX # XXXX. WAS RECEIVED. 
EXPERIAN HAS NOT REMOVED THIS FRAUD ALERT AFTER SEVERAL ATTEMPTS FROM ME TO REMOVE THIS FRAUD ALERT IMMEDIATELY. 
PLEASE HELP!!
Consumer complaint received 2016-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NC)

I sent two payments totaling {$710.00} on loan B of account XXXX on XXXX/XXXX/2016. I specifically asked that the entire amount be applied to loan B. It was instead applied to both loan A and B. I want this to be corrected, and the entire amount applied to loan B carrying an interest rate of 6.8 %.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX 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 2021-03-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North Shore Agency, LLC (KS)

I ordered one tube of XXXX advertised on TV. I paid XXXX for order by credit card. The company charged another order which I paid because the product was shipped to me. The company tried to charge a third order, and my credit card company cancelled the transaction. I did not receive the product. 
I called the company that I had agreed to receive more than one order. I called the number of the company and no one answered. My card company tried to call them also. I received bills for the product I had canceled. 
After many months I have received a bill from a collection agency.