davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, two unauthorized out-of-state withdrawals were made against our checking account in the amounts of {$2400.00} and {$4200.00}. We noticed that the withdrawals had been made and contacted the bank ( Bank of America ) on XX/XX/XXXX. The bank gave us a {$2400.00} credit while the fraud is being investigated. We were initially told that the investigation would take 10 to 15 days. Further phone conversations pushed this window to 15 to 20 business days, then to 20 to 30 business days, and then to 30 to 60 business days. We are approaching the 60th business day and still have not been contacted by the bank and still do not have credit for the {$4200.00} transaction.
Consumer complaint received 2018-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Navient Account No : XXXX We refinanced our home to payback the largest amount of my son 's school loan due to the excessively high interest rates that were are being charged. The mortgage company delayed the original closing by 19 days so I made an additional payment to my school loans which became due between XX/XX/XXXX ( when we were supposed to close ) and XX/XX/XXXX. The mortgage company being the idiots they are did not pull another closing amount but just told us the company could refund us the over payment. Navient received their money on XX/XX/XXXX ( I have a registered receipt with the date and person receiving our payments ) only credited the money to our account on XX/XX/XXXX and then kept the extra {$1200.00} overpayment. I looked up the instructions on the Navient website on how to send in the payments and followed the instructions indicating the two loans to be cleared and the balances to be refunded. Navient chose to ignore these instructions. I have called them 3 times and on the last two occassions they indicated they would be refunding the balance - the first person said by direct deposit as that is how they get paid and the second woman said they would mail a check. This was over 6 weeks ago and they are still holding my money.
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Thank you for taking the time out to address this matter! 

This account is effecting my ability to obtain credit!! 

This account is reporting inaccurate information!! With several so violations!! 

This is a paid judgement!!! Which was promised to come off my consumer reports once paid!!! 

Credit bureaus have not kept their Promise please REMOVE account as soon as possible!!
Consumer complaint received 2018-01-17
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. (MA)

{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.
Consumer complaint received 2018-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MD)

I have had PNC checking for a few years and they are typically receptive to disputes. In this instance, my checking account was billed a day early by a utility provider ; however, I was billed for two Overdraft fees on XXXX.XXXX.2018, in the amount of {$36.00} each, for insufficient funds. HOWEVER, today, the transaction which caused the funds to be low, is still showing as pending and my deposit of {$2100.00} is available. I have plenty of cash in other accounts that I could have deposited into this account to cover the early charge ; however, my email alert did not get sent to me until XXXX Eastern. I feel like that that defeats the purpose. I have made this argument before. What is the point of an alert if they do n't come out until after someone is asleep. I feel like that is a deceptive practice in order to gain additional fees from customers.
Consumer complaint received 2017-06-20
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. (NC)

This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to Equifax three times. On the third time, they sent the complaint to XXXX XXXX XXXX XXXX. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from Equifax and a letter from XXXX XXXX XXXX XXXX proving that I paid the loan off in XXXX 2011. The loan originated in XXXX 2011, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with XXXX XXXX XXXX XXXX. The person I spoke to told me the loan was not properly closed when I made the XXXX payment. This error has to be corrected. Thank you.
Consumer complaint received 2018-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Inquire accounts that not a obligation of mines appears on my credit report 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (LA)

XXXX present the wrong verification of claim in my chapter XXXX. I over paid in the chapter XXXX. XXXX sent me a letter out expressed I was just assume to pay XXXX and I paid XXXX. On the last letter Chase expressed I did n't pay anything besides XXXX. I have enclosed my Chapter XXXX print out to demonstrate what I paid.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (KY)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-05-22
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. (CA)

This company & account appeared on my XXXX credit report stating an account was opened with XXXX XXXX XXXX on XX/XX/2021 and that I owe them {$670.00} This information is False & fraudulent & needs to be removed from my credit report immediately. I have filed disputes with all 3 credit bureaus & It needs to be taken care of. I have worked extremely hard during Covid 19 to pay all my credit cards & loans Every Month. All of my accounts are paid on time & seeing this False account appear on my report is disturbing & WRONG.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX, XXXX, Equifax and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT XXXX. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!
Consumer complaint received 2018-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

In 2017 I contacted Experian to file a complaint regarding the XXXX XXXX account that they are reporting. I complained that they are reporting inaccurate information on my credit report. They can not verify that this balance is accurate.
Consumer complaint received 2019-10-21
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: MORTGAGE FIRM, INC., THE ()

On XX/XX/XXXX I requested information from the Mortgage Firm, who I currently have my Mortgage with. All I asked was if now would be a good time to refinance. Before I received a response email I had a hard inquiry show up on my credit report. They never asked if they could pull our reports but instead ran them because they already had our information on file from the current mortgage. They ran a report on both me and my boyfriend who is also on the current loan. I complained and they didn't seem the be too concerned about it but rather tried to justify it by saying they had to pull it to give us an accurate rate. All I wanted to know was if now would be a good time based on the market. This gives the illusion that they are trying to run someone's credit to get them roped into working with them.
Consumer complaint received 2022-01-06
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. (GA)

My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

For the last XXXX  years, my credit score did NOT show details and people have been using my Social Security Numbers to commit XXXX XXXX XXXXs, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of Transunion, XXXX, XXXX and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT XXXX. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!
Consumer complaint received 2018-06-05
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (PA)

Hello, the last time I spoke to my Private Student Loan Lender ( Navient ) was in XX/XX/2016. I was about to begin a Master 's program that would place my loan on hold payment. In that conversation, which was one of over a dozen on this topic, I inquired about my balance. I couldn't understand how I had been paying so much money toward my loan and the balance was increasing -- yes, INCREASING. To date, I have paid {$39000.00} toward my private student loan which had a beginning balance of {$75000.00}. According to the company, only {$6000.00} has gone toward the principal balance while the remainder has gone toward interest. Even if this were a true statement, that would mean my principal balance would have decreased by at least {$6000.00} ... instead it has INCREASED over {$30000.00}. The loan is now at a balance of $ XXXX ... my payments do nothing. The loan will never get paid off. It only continues to go up. Please, help me.
Consumer complaint received 2017-06-20
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: Total Card, Inc. (MD)

On XXXX XXXX I submitted documents stating that 3 accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on X/22. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on X/X/17. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.
Consumer complaint received 2024-03-16
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

We traded our car, and we authorize the dealership to only do wine, credit inquiry, and they did XXXX. Please remove them immediately, because now my credit went down almost XXXX points. 
The dealership says they can not do anything, and that they didnt realize, that they were trying to find us the best possible rate. They say theres nothing they can do. Im extremely upset because he took me years and years to be my credit. Please remove all the credit Hits/inquiries for an auto loan. Thank you very much.
Consumer complaint received 2024-04-17
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. (CT)

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 : Acct # XXXX, XXXX : Acct # XXXX, XXXX : Acct # XXXXXXXX XXXX  : Acct # XXXX, XXXX : Acct # XXXX, Credit XXXX  : Acct XXXX XXXX, XXXX XXXX : Acct # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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 consent 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. 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 2021-08-13
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

TO, PORTFOLIO RECOVERY, XXXX XXXX XXXX, XXXX VA, XXXX PH:XXXX To Whom It May Concern, I am reaching out again because the unverified item listed below was removed from my credit file XX/XX/XXXX but XX/XX/XXXX shows on my credit file again, this is in violation of Federal Law. 
Please accept this final WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items below are not deleted immediately.

I have asked but not received any original documentation ( a consumer contract with my signature on it ) required under Section609 ( a ) ( 1 ) ( A ) & Section611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' I hate to bring the law into this but I need my information to be reporting correctly on my report, it is my right. 
Account Name : Portfolio Recovery. 
Account XXXX Open XXXX XXXX Errors Found : Portfolio Recovery, did not have any financial obligation with, And original Creditor : XXXX Online bank , I have never Been SEEN in my life this Account, and i have never been open any account XX/XX/XXXX. XXXX Please Remove that Account from my credit file Thank you,
Consumer complaint received 2017-06-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of AmericaXXXX XXXX ( XXXX # XXXX, XXXX, XXXX ) did not disclose that HELOC payments would be interest + PRINCIPLE during the draw period which led me to reject offers from other banks. I thought I was getting an interest-only HELOC. HELOC application # XXXX
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc. (DC)

Santander locked me into a predatory lending auto loan. Once I figured it I tried to negotiate a lower rate because I knew I would n't be able to make the payments due to missing work because my wife was Ill. I 've paid a {$510.00} car note for 4 years. I did n't receive any notice and they repo the car.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Citizens Savings & Loan Corporation, Chattanooga, TN Branch (TN)

Over two years ago, my vehicle was totaled and my full coverage insurance did not cover the remaining balance of the car loan. Then, because the car was still driveable and in overall good condition ( only the front bumper was messed up and the air bags deployed ) the loan company gave me the option to either hand over the car or pay off the remaining balance of {$1600.00}. Two years later, I am receiving harassing phone calls and visits to various addresses that were never provided to this collector. This collector has called my job multiple times and threatened my with arrest. He said that he will visit my house with a sheriff if I do not comply. Note that I have not heard from this loan company in over the years. Also, I called this man back about two weeks ago to try and figure out what was going on, and he told me he sent a letter in the mail explaining everything. I then told him I would read the letter when it came in and take whatever action I needed to solve the issue. However, I never received any letter yet the harassing phone calls have not stopped even though I told the man I wasnt paying any money until I read a physical letter because I believed the situation to be solved years ago when I handed over the vehicle.
Consumer complaint received 2018-01-23
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: EQUIFAX, INC. (GA)

Equifax needs to delete and remove the following fraudulent accounts immediately from my credit report. Equifax has violated my rights as a consumer. I will be taken legal actions against Equifax if these accounts are not deleted within four days : 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX