davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC. (GA)

I filed a BBB complaint against Exeter Finance Corp on XX/XX/XXXX for inconsistent credit reporting for a repossession in XX/XX/XXXX ; after numerous disputes with the creditor ( Exeter Finance ). I thought we agreed to a fair resolution to update my report with a past due balance of {$2800.00}, but this company is still inconsistent in its reporting to the credit bureaus. Since the case closed with the BBB ( XX/XX/XXXX ), this company has been reporting this account closed one month and open the next which is making my credit score go up and down and this has been an ongoing situation. I have disputed the inconsistencies with all three credit bureaus and no change. I know per the FCRA, that the credit bureau must notify you within 5  days of adding accounts to your report, in this case I was not informed. This is very stressful in trying to make corrections to your credit report when there was already an agreement and it is not fair to me to be inconsistent when doing so. 

I have more information attached in the BBB complaint below.
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XXXX XXXX, XXXX I received a call from one of my banks asking if I was currently in California because someone with driver license just like mine was trying to withdraw money from my checking account. I was not in CA, so the bank stopped the transaction. After the call I immediately checked my other checking account with Bank of America and noticed that on XXXX XXXX and XXXX someone made 2 withdrawals from my checking account for a total amount {$8900.00}. I immediately called BoA and told them they were not my transactions and they initiated a dispute/claim # XXXX. I put an extra security monitoring on all of my accounts. Then I filed a formal identity theft report at FTC XXXX # XXXX XXXX, closed all of my existing checking and saving accounts, as well as credit cards. I also requested an extended 7-years credit monitoring by all three-credit agencies as a victim of identity theft. I requested a new driver license to be re-issued so it now has a new issue date and I have put a low enforcement alert on my driver license so no one can use now in an unauthorized manner. However, I have never received any correspondence from BoA that my claim is being disputed. After more than 68 days now XXXX claim was submitted on XXXX XXXX, XXXX and today is XXXX XXXX, XXXX XXXX, I have not received any resolution of the claim, not even any correspondence of a status of the claim. I have repeatedly called Fraud Department at BoA inquiring about a progress of the investigation of the claim and I was always informed that it is 'in progress ' and still unresolved but they would not allow me to speak to an investigator. I called them repeatedly and they always told me an investigator is going to call me within an hour but it never happened. I sent two formal letters on XXXX inquiring about the status of my claim to BoA headquarters in XXXX, FL as well as my local BoA branch in XXXX, IL, but I never received any response. I included my identity theft report and notice to furnishers in the letters informing BoA that they break the federal low ( claim resolution needs to be delivered within 30 days ). I never received any written confirmation from BoA about the unauthorized charges, I never received any response to my letters that I am not responsible for charges on this account. I have been a valid customer of BoA since XXXX and I have never had any problems/issues of financial nature with the bank. Other banks were able to protect my funds because they were able to recognize an attempt of identity theft. BoA has an extremely poor protection against an identity theft, yet they let their valid customers wait for months to have their stolen funds returned. This is not only scandalous, this is against the federal low.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (MO)

Re : First Progress XXXX. XXXX XXXX XXXX XXXX, TN XXXX Card Number : XXXX I opened an account for a secured card with First Progress for {$300.00}. I had to Deposit {$300.00} cash for them to open an account for me. 

I closed the account and First Progress never refunded the {$300.00} cash Deposit and they kept adding fraudulent bogus charges to the account After it was closed now the account is showing I owe them {$580.00}. 

I owe them nothing and again they never returned my deposit of {$300.00}. I want this account to show at all 3 credit reporting agencies That I owe them nothing and I want a return of the {$300.00} cash deposit That they received from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-10-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

I AM EXTREMELY DISTRAUGHT!!! I WENT TO YOUR BRANCH/STORE AT XXXX XXXX XXXX!!! I WAS TOLD BY THE YOUNG LADY IN CUSTOMER SERVICE, MY DEPOSITED CHECK FOR OVER USD {$4500.00} WOULD BE AVAILABLE TODAY. I THEN WENT INTO MY ACCOUNT, SAW THE MONEY AND DECIDED TO PAY MY BILLS!!! ONLY TO SEE THAT I AM OVERDRAWN FOR OVER USD {$1300.00} DOLLARS!!! THIS NOW ALLOWS TD BANK TO CHARGE ME FOR OVERDRAFT FEES!! I CALLED THE CUSTOMER SERVICE WHO YESTERDAY, WAS UNABLE TO VERIFY MY VOICE, THROUGH AND EQUALLY INCOMPETENT VOICE RECOGNITION SYSTEM RESULTING IN MY ACCOUNT BEING LOCKED OUT!!! WHAT IS HAPPENING!!! THIS IS A SCAM!!! TD BANK WILL NOW CHARGE ME USD {$35.00} PER TRANSACTION WHICH AMOUNTS TO 6 TRANSACTIONS, WHICH I CAN NOT REVERSE!!! FOR DOING THE RIGHT THING TD BANK WILL CHARGE ME USD {$210.00} IN OVERDRAFT FEES!!
Consumer complaint received 2017-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

My local tax collector says that my real estate taxes were not paid from my escrow at Freedom Mortgage. Freedom Mortgage says they have been paid. I have been trying for the last two months to get evidence of this payment from Freedom Mortgage and each time I try to do so I get a different story. The latest is that since I sold the property they need my request in writing because that is " what their tax department requests. '' However the last call from their tax department was that they would research this and get me a letter stating it has been paid in full. Currently I am over an hour into today 's call and still no resolution.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have reviewed my credit report from the three major bureaus and discovered several errors with the reporting by XXXXXXXX XXXX XXXX XXXXXXXX. 

The XXXXXXXX XXXX XXXX XXXXXXXX tradeline shows several late payments across the three major bureaus. The alleged late payment dates are listed in Exhibit B. These alleged late payments are invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not been authenticated as required by the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX is damaging my character, creditworthiness, and wellbeing by falsely reporting those non-compliant unverifiable late payments on my credit report. 

Under the FCRA, a consumer has the right to request certified proof of any information reported to the credit bureau by a data furnisher ( XXXX XXXX XXXX XXXX ). I hereby request that XXXXXXXX XXXX XXXX XXXXXXXX provide me with certified proof to justify your reporting these several alleged late payments. 

I am specifically requesting for certified proof that your company complied with the FCRA and all its mandated rules when it comes to reporting accurately. 

If XXXXXXXX XXXX XXXX XXXXXXXX does not or can not provide this required proof, I demand that the Alleged late payments listed in Exhibit B be DELETED from my credit report immediately. ( Copied from attached affidavit ) ****
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

We were approved for a " forbearance on a current account '' while we try to sell this home. We received a notification from all XXXX credit bureaus that our XXXX XXXX balance increased from {$470000.00} to over {$470000.00}. I was extremely confused as there's no reason for our balance to increase while payments are paused. When I called the executive team at XXXX XXXX they confirmed that our balance has not increased, and our payments have simply been paused. They also confirmed that paused payments do not get added to the existing balance of the loan, they just get added to the life of the loan. She said she would inquire about how they reported it, but she said she only shows that it was reported as a forbearance, nothing more. I explained to her that all XXXX credit bureaus are showing an " increased balance '' so it is more than likely not something that the credit agencies are doing and I asked if she could check into this again because something either isnt getting reported correctly, or is being left out. Our balance is the exact same as of today ( XX/XX/XXXX ). It hasn't changed or increased at all. Someone is reporting it to the credit agencies incorrectly and they are adding our paused payments as additional payments and causing a notification of an " increased balance '' instead of reporting them as paused payments. My husband and I both took a XXXX point hit on our credit scores because of this, resulting in damaged credit. We also confirmed with XXXX XXXX that there is no negative reporting to our credit as it is a forbearance on a current account, and we are also under a XXXX XXXX until XX/XX/XXXX regardless. So, the decrease in our scores was simply because of an increased balance, which makes zero sense. This needs to be fixed.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have requested my free credit report from each of the three major agencies over the last year, roughly four months apart. In each case, they have refused to give me online access to my report, instead insisting that I send them a written request. Today ( XX/XX/2021 ) when I requested my report from XXXX, they did not even give me a link to the form I needed to request the report ; they simply routed me back to the beginning of the request sequence. Please look into this -- the agencies are clearly playing games with people here in an attempt to make it harder for them to access the information that the agencies are required to provide. Thank you. -- XXXX XXXX, XXXX
Consumer complaint received 2017-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Mortgage Loan Officer XXXX XXXX XXXX # XXXX - The loan officer information attached above, was helping me to have a loan for buying a home. She is holding my application for a month. She asked me to provide a full application and I have submitted all the needed documentation, including personal statements, and credit reports, including W2 and taxes information. She refused to offer my loan today for me on a recorded line, she harassed me to distribute my information to others, she also harassed to close my account. That is because she wanted me to tell her personal information about my family that is not included in the paperwork, and give her full statements about my food, medications, traveling, gifts, and the religious donations. She was very strict to call my name and categorize me as a XXXX where Im not. She pointed us people lives in XXXX as crazy, she was very happy to make this progress hard and negative for me. She discriminated me when I explained to her that is I need a home to live in, and she laughed at me and she told me never buy anything because I have mo money because I am immigrant. Where I am a US citizen. 

Please see attached application complete paperwork.
Consumer complaint received 2021-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CT)

I mistakenly submitted 2 payments to pay off a loan for XX/XX/XXXX. I checked my bank information on XXXX and saw my mistake. When I viewed the loan on XXXX my balance showed {$0.00}. It should have shown - {$400.00}. I called the loan servicer the same day. 
The first customer service representative said that my 2nd payment was applied to another loan and that the balance was {$0.00}. I told her that I did not have 2 loans with the same payoff amount and she hung up on me.

The 2nd representative said my 2nd payment was applied to a loan I paid off in 2010. The balance of that loan was also {$0.00} not - {$400.00}. I said where can I view on the website that shows that a credit is owed to me and she said there was no where on the site for me to view that information. She informed me that a credit was processing and that it typically takes 2 weeks. I requested written/email confirmation and was told I would have it by the end of the day. 
XXXX I call back because I did not receive the email. The 3rd representative said the email would take 3-5 business days. The refund processing time was 2weeks - 2months.

Again nowhere on the website am I able to confirm any information about where my 2nd payment was applied or that I am owed a refund. I have 6 other loans with balances but they applied my money to a loan without a balance. XXXX XXXX
Consumer complaint received 2022-03-10
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. (NY)

1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount # XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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 2017-10-24
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. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2022-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Received a letter dated XXXX XXXX. Decision to restrict and close account. 
I have had this Bank of America business account for over 10 yrs. And now a decision is made to close based on the business type. Company is an XXXX XXXX and XXXX XXXX company. 
Have never had any banking issues prior. 
Phone number provided to bank closing department where agent read a script but provided no insight or details as to the reason for decision to close. Any further calls to other phone numbers provide direction to call the closing department. Its as weve been targeted with no cause.
Consumer complaint received 2022-03-10
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. (NY)

1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount XXXX XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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 2019-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc. (CA)

On XX/XX/19, I uploaded my utility bill to show the correct address. I called today ( XX/XX/19 ) and the address was not corrected after Id been informed it would take 5-7 business days. They had never sent me my debit card to my address. I called and the representative would not assist and kept asking me if I was recording this call. Then I was placed on hold for 10 minutes and finally I hung up. I then tried calling again and they kept rerouting my call to an automated answering service not allowing me any contact with a live person.
Consumer complaint received 2019-10-25
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. (GA)

There is a line item reporting on my XXXX credit report. This item is hurting my ability to obtain a mortgage loan. I sent XXXX XXXX and Experian a letter including a letter from the child support agency to have the item removed from my credit report. XXXX   promptly removed the item from my report. XXXX said this item was " verified ''. How can this be verified when I sent in the letter?
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

On XXXX at XXXX hrs EST, I received a voicemail from a " XXXX '' from a XXXX XXXX telling me that I needed to return the call by XXXX hrs EST ( the deadline time was before the call was made ) threatening legal action and to have my attorney call them. They left no specific details or what they wanted or who I potentially owed money to. 

The number came in as restricted but left a call back number of XXXX
Consumer complaint received 2017-10-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc. (PA)

i am paying 18 % APR Interest every month Equal to XXXX $ because of my credit score. i was denied for new credit cards from XXXX and from XXXX XXXX XXXX and from XXXX XXXX. i was requested to refinance my car To GM financial my current car under Gm Financial, but i am not getting good quotes to refinance my car. i am very low income  person, i am struggling to making payments every month with my family and XXXX month old baby. i am worried about my family financial situation right now. because of these CREDIT BUREAUS like XXXX and XXXX, XXXX XXXX XXXX and my car dealers all all people are manipulating the law and make me suffer a lot.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

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 XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX. XXXX, XXXX Account # : XXXX However, they 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 supposed to modify accounts that aren't reporting correctly.

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.