davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XXXX XXXX, 2019 I used the XXXX product offered by Bank of America to transfer {$500.00} to an individual in order to purchase concert tickets. 
Once I realized I was a victim of fraud and didn't receive my merchandise I immediately contacted Bank of America. 
The transaction was still in progress, however, Bank of America indicated there was nothing they could do other than launch an investigation that could take approximately 10-45 days to complete. 

The XXXX website ( XXXX XXXX ) advertises how safe and secure their service/product is and the protection that is offered to you as a customer. 

This is the first time I've used the XXXX product, however, this is a big problem as many new organizations are reporting the vast amount of fraud occurring when utilizing this service. 

My funds were transferred via XXXX to an individual 's XXXX XXXX account, how can this problem not be caught in time and reversed. I notified my bank while the transaction was still in process.
Consumer complaint received 2021-02-02
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: Regional Management Corporation (TX)

XXXX XXXX illegally, and unauthorized accessed my credit file, running a hard inquiry indicating that I was applying for a new line of credit, and you continued to certify that as a true and accurate statement. Ms XXXX stated that she in fact ran a hard inquiry due to my not responding to their calls, and mailings. I advised that I had no obligation to communicate with her office verbally or otherwise as my obligation was repayment of a loan, which payments were consistently made. Ms XXXX did not have a legal right under the law to access my credit file and violated my consumer rights as well as my rights under The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act, and was advised to remove the false, and illegal inquiry after which she retaliated by sending me a letter stating that I was in default of my loan which was false and simply a way to intimidate me, and further violate my rights.
Consumer complaint received 2019-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

I sent funds via PayPal for a service. The person was suppose to provide a business logo and did not. I emailed the merchant and fiord a claim with PayPal. The person did not provide the logo or a refund. The person stated they didnt receive the funds but PayPal confirmed they did. 

Payment {$64.00} XX/XX/19
Consumer complaint received 2020-10-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I have my home mortgage account with Fifth Third Bank. My payment is made with escrow included. In XXXX my monthly payment including escrow was increased from {$1900.00} to XXXX. My payment are made automatically with {$1900.00} in XXXX, and again in XXXX. However with XXXX being short of {$27.00} the bank placed my account into foreclosure. Ive made the payment differences and full for both XXXX & XXXX on XX/XX/2020. Ive asked the bank to remove this foreclosure on my credit and was told they can not due to not taking partial payment. Again my mortgage payment is made with principle, interest and escrow. 

Please help me resolve this issue.
Consumer complaint received 2018-02-09
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: States Recovery Systems, Inc. (SC)

I am making a formal complaint about this debt from the University XXXX XXXX in the amount of XXXX, I have not received any notification about this debt since 2013 I have spoke to XXXX about this bill, with no response about a resolution. I am now being inform that the debt has been sold to a credit collection agency States Recovery System, Inc whom i have know contact information for or a written contract with.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (FL)

Have been attempting to obtain my title from Ally Finance for over one month, company claims to have mailed document and I still have not received. I have called weekly and receive no help from company, every time I call I receive a different explanation. One person says it has been mailed, another says it is sill processing.
Consumer complaint received 2018-02-09
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. (NY)

XXXX credit reporting agency is not reporting my XXXX credit card account which has a zero   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I received an SBA EIDL Loan as an Independent Contractor which was disbursed in my personal account. Eight months after the disbursement, to my surprise, Capital one froze my account and denied me access to my personal earnings as well as the loan that I need for my business. 
On XX/XX/2021, I contacted the bank and provided my business licenses from 2 years ago and the promissory notes and several other documents that will support the legitimity of the loan. 
The total amount in the different accounts is {$46000.00}.
Consumer complaint received 2023-01-15
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. (AL)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX # XXXX, 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
Consumer complaint received 2018-02-10
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. (IL)

Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.
Consumer complaint received 2018-02-09
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. (NY)

XXXX credit reporting agency is not reporting my XXXX credit card account which has a XXXX   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (GA)

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Consumer complaint received 2020-01-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (FL)

Exeter is the loan company my son and I are on loan together. he lost his job tried calling the company on XX/XX/2020 to let him know that he as no job and we need to see if we can change it over for me to be the primary loan holder. could not do that or take him off or see if can refinance and get a better interest rate. just wanted payment. interest is 29 percentage and was advised in the state of florida interest rate is only 24 percentage no higher. we are being charged more then the state requirements on interest. first car for my son had to get this loan underneath him as cosigner because he had no credit. per dealership was told interest is way to high for florida. would like to get interest better and see if can change it to just me and he be cosigner. did send in a complaint to the XXXX XXXX XXXX with no response from them yet. was sent in and waiting to hear from them official. any assist would be great. thank you
Consumer complaint received 2024-02-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I'm asking the credit bureau, I need you to delete the late dates on the disputed XXXX XXXX XXXX XXXX item as they agreed to remove the negativity due to their address error. Despite multiple attempts to correct this, the credit bureau has verified the account, violating the FCRA 's mandate. I'm not asking for an investigation ; I'm demanding the deletion of the unverifiable entry in non-compliance with the FCRA.
Consumer complaint received 2021-06-07
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: NAVY FEDERAL CREDIT UNION (FL)

XX/XX/2021 I and family were battling XXXX. My caretaker was not instructed to call Navy Federal to defer payments. Neither did she use my sickness to garner sympathy. What she did was paid everyone of my bills. When she paid my credit card with a outside XXXX XXXX it was accepted. When she paid my consolidated loan XXXX XXXX rejected it because of a stop payment to the loan account I had requested 1 year prior. A stop payment that should not have still been in place 1 year later. Navy federal notified that payment wasnt received, instead of notifying payment was rejected so my caretaker can make an accurate adjustment. She just made the payment again using the same account so 2nd attempt is rejected as well. Navy federal didnt assist me how they assist others during the COVID 19 pandemic. Others who dont have money are afforded the opportunity to get deferred, the payment gets put on the back of loan and there credit is restored. They do not tell the credit bureaus that payment is late, better yet the payment history is masked. Navy federal never tells a borrower with no money issues that its against the law to mask a report. They just do it. But for me during my XXXX XXXX XXXX they said its against the law to help me. They accused me of asking them to alter a report. So is it fair to say Navy Federal is altering reports for some and not all Navy federal consumers.?? What makes me different? I was XXXX and although I didnt need money I needed help during that time. Navy federal has said I have their sympathy but nothing further. Now my account with excellent payment history is in shambles. Stop payment isnt a insufficient funds or closed account so why treat it with the same severity?
Consumer complaint received 2020-01-23
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. (MO)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-19
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. (TX)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2019-08-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (AZ)

I had a student loan with Navient as the loan servicer. I submitted a deferment as my daughter is still in school and wouldn't have to start repayment till after graduation. Navient didn't notify me that I had any due payments till I saw my credit score and saw that the loan defaulted and was sent to collections. There was about 6-9 months where payments weren't being made as I had no notification of there being any due balance. I spoke with Navient and they had nothing to say about them not sending any emails, letters, or phone calls about being " late '' on payments. They told me it was out of their hands now and I have to deal with the collections company.
Consumer complaint received 2022-04-29
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. (IL)

I have been filing a dispute on several occasion and numerous of times of the same complaints. Equifax and XXXX has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.
Consumer complaint received 2022-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (GA)

i call the netspend debit card company. To ask why my debit cards were and accounts were closed. They basically told me that i couldn't get service though them anymore. They said it was do to fraud activity. Or they couldn't identify property something like that. But after asking a a series of questions at i asked at XXXX pm cst. The customer service representative lead me to believe that it may be do to discrimination reasons.
Consumer complaint received 2023-04-05
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. (TN)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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, PA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} SECURITY XXXX Balance : {$0.00} XXXX FIN XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$18000.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dana & Pariser Co.,L.P.A. (OH)

This debt was paid in full back in 2020 and still reporting incorrectly on my credit report. I have received 2 paid in full letters yet still reporting incorrectly and by doing this is a great hinderance because it keep showing up. This case is closed and released. Please remove from all three credit reports XXXX XXXX and XXXX
Consumer complaint received 2020-10-19
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. (TX)

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Consumer complaint received 2020-10-19
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. (FL)

I would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Just by creating an account I was automatically subscribed and billed to a {$19.00} fee for a useless service.

These are the steps shown on the screen during account creation. There is no mentioning of a fee or any order button at any point in time.

Step 1 Tell us about yourself Step 2 Create your account Step 3 Verify your identity I tried to get help from the customer service and they said they can't help me with a refund. 

Here is the link to the form : XXXX XXXX XXXX XXXX XXXX XXXX