davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a collection for a XXXX bill in collectors hands, pinnacle. This was one of my ex husband 's phones when he had his business. He had 4, 1 In my name., I gave ex his phone back and he allowed the bill to run up. Is NOT my debt, is ex husband 's. Along with EVERY closed / charged off credit card needs to be removed. Many car companies have ran my credit just because I viewed cars online, I NEVER gave them permission. I keep track, I KNOW I only have 3 hard inquiries FOR the last 2 years. Please make these abusive credit report companies STOP abusing their power. I'm alone on XXXX, I CAN'T afford to have this bad credit. There are other things on my reports I've never heard of. Please, PLEASE can you help me out??? I don't have any where else to turn. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-20
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

My mortgage loan is with Specialized Loan Servicing, LLC ( CO. ). 
I am currently in the process of applying for a mortgage refinance with XXXX XXXX XXXX ( CA ). The credit report XXXX pulled, reports my loan with SLS, LLC to be in Forbearance/Deferral ( under Covid-19 loan assistance ). This is incorrect. There was never a request submitted to SLS, LLC verbally or otherwise for Covid-19 loan assistance. I have made all my regular monthly payments on a timely basis.

The credit union can not proceed with the processing of my refinance until SLS, LLC confirms in writing that my mortgage loan is not under any forbearance or deferral agreement with them.

SLS, LLC has refused to issue this letter claiming ; since my loan is not in forbearance or deferral under Covid-19 there is nothing to confirm. SLS, LLC erroneously reported my mortgage loan to be under
a Covid-19 related forbearance/deferral. I do not understand why they can not issue a simple letter to my credit union confirming the erroneous credit reporting.

Your assistance in resolving this issue sooner rather than later is truly  appreciated XXXX XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (FL)

I sent a written documentation on XX/XX/2022 and have called several times prior to this written documentation. I sent a follow up formal notice on XX/XX/2022 after no response or acknowledgement. No one has followed up and today I am being told by representative that it will take 90 days at least to resolve the dispute and it is frozen. I have advised them that their inaccuracies and billing error is causing significant delays in my ability to use my credit effectively and they are advising that there is nothing that they can do. 

No one has been able to provide suffice documentation or verbal assistance and I have waited over 60 days to get this resolved.
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (NV)

I was approved for the loan with Sunlight Financial for XXXX project. the negotiated price was XXXX. When the documents arrived i saw XXXX as a loan amount. The salesman said it is the interest on the loan added to the project cost. Later i find out that this is a hidden dealer fee charged to the project so Sunlight Financial does not have to disclose in the APR calculations. XXXX  contractor claims he only received XXXX from Sunlight Financial. Several time i have asked Sunlight Financial to provide the proof of payments paid from my loan on my project to the contractor. Sunlight Financial of course refused to provide that information. To my it looks that it is a violation of truth in Lending act, where the lender is not disclosing the broker fee of 30 % Sunlight Financial is charging.
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (AP)

On XX/XX/XXXX I was charged {$20.00} by Navy Federal Credit Union due to an overdraft on my checking account. This was done due to their Optional Overdraft Protection Service, which I do not desire. On XX/XX/XXXX I called NFCU to opt out of Optional Overdraft Protection Service. This {$20.00} junk fee was wholly unnecessary as I had more than enough funds in NFCU savings ( share ) accounts to easily cover the overdraft.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation (FL)

OneMain Financial placed a block on my credit card 2 months ago and refuses to tell me why or how to get the block removed. I've called the company for the past 60 days asking for guidance on what needs to be done. In my first call in XXXX I was told I needed to call my financial institution to have the block removed; meaning call my personal financial institution that I make payments from to OneMain to have the block removed. On my second call at the beginning of XXXX I was told that my name would go on a list and they are slowly working down the list to remove blocks. On my third call in XXXX I was told that a letter was mailed out to me to tell me how to lift the block but that they couldn't tell me what was in the letter or when exactly it was sent. On my call today I was told the same, a letter will be mailed to me but they don't know when. Each time I request a supervisor no one is available and I will have to wait XXXX to 5 days for a callback for which I have never received. OneMain charged me an annual fee to use a card for which they have restricted the use of and refuse to tell me what I need to do to have the restriction lifted! I would like the annual fee refunded and the block removed from my card!
Consumer complaint received 2020-07-12
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: EQUIFAX, INC. (AR)

I sent multiple credit disputes with these companies, asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission, with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame, and their investigation results they have not abided by these laws.
Consumer complaint received 2022-09-08
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. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2019-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

hello, I saw that i have medical collection debt on my credit since XX/XX/2019 from MBA LAW i tried to contact and obtain any records signatures or medical pressures but no success. 

no one called me before and no letters sent to me of debt its just showed on my credit report. 

very important to mention that i explained that i am an victim of identity fraud and that why also have note on my credits it is not first time that i am receiving letters and fault reports on my credit reports from places and services that i never used or received. 

i will ask to remove this fault report from my account immediately because its effect my score badly. 

thank you
Consumer complaint received 2020-05-30
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: EQUIFAX, INC. (GA)

I was informed by my bank lender that I was not approved for a home equity loan because of items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX # XXXX, XXXX  XXXX  XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX.
Consumer complaint received 2021-10-09
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: Experian Information Solutions Inc. (GA)

Im filling a complaint because I'm a victim of identity theft. I have already notified Experian and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

Experian Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2021-10-09
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)

I have multiple inquiries from sources that I do not know of, this is fraud. Several from XXXX  XXXX, XXXX XXXX, and more.
Consumer complaint received 2021-04-30
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have sent multiple disputes to the credit bureaus and USAA, however, this inaccurate account ( Account # XXXX ) continues to report on my XXXX  and XXXX credit reports. USAA and the credit bureaus are in violation of the FDCPA section 807, Misleading False Reporting unverified/inaccurate account type, No. of months, credit limit, payment status, last reported, and date last active. This is clearly inaccurate reporting. USAA and the credit bureaus are also in violation of the FCRA section 607, which they must ensure maximum accuracy of the information contained in my credit report. USAA and the credit bureaus did not ensure maximum accuracy. Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX and XXXX  credit reports. 

Additionally, USAA and XXXX  are in violation of FDCPA section 807, Misleading False Reporting and FCRA section 607 because now the account is reporting as open on my XXXX  credit report on XXXX, which is affecting my payment history. How can a charged off account reporting closed on my credit reports, now be reporting open? This is inaccurate and violating the credit reporting laws. This inaccuracy is also affecting me from obtaining any credit. This account also does not show in my USAA pay bills section either, so why is this reporting as open? Please remove Account # XXXX immediately. This inaccurate account was already removed it from my XXXX  credit report, but it must be removed from my XXXX  and XXXX  credit reports.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (FL)

I went to XXXX XXXX today to close my account after paying off the large fraudulent negative balance. I figured that when I asked them to fix the account and when the account manager picked up the phone he didn't really call who I intended for him to call. They are acting like they are contacting the right personnel when in fact they don't inform you of what they really do, instead they tell you they cant fix the problem but then go fix it and collect the fees once you either attempt to close the account of while your not looking or noticing. this is how they are running their scan not and they do it on new people in town, college students, with loans, and single females without children. I went to close the account today and they refused to provide me with proof. All I got was a screenshot faking like it would be closed. I will attach it below. I just want my money back. I haven't received my paycheck or this fraudulent amount they shifted around during account servicing. They reshuffle serving dates and times and creatively steal peoples money. I suffered personally because of what they did to me and they deserve to be caught. Banks don't respect war vets and believe that they get free money when in fact we pay for things ahead of time, everything. But because the public doesn't know this because of the way contracts are worded they never learn the truth. So they think we get free money when we actually did a lot of servitude ( slavery ). bank employees steal from us because they don't know the truth. I have never had a non federal bank account where they did not honestly try to ruin my life. I pray to XXXX you help all service members going through this. y life has been in ruins because of random bank employees since I left military service.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ditech Financial LLC (NJ)

Hello. I have a second mortgage on my home that was serviced by Ditech. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, Ditech is claiming that we are 30 days past due. I have called Ditech and they claim to have fixed the issue. I applied for a new mortgage and Ditech is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: The Orange Coast Company, LLC (CA)

On XX/XX/XXXX we closed escrow on our property refinance. As of XX/XX/XXXX our pre paid property tax remains unpaid. 

XXXX of XXXX XXXX XXXX contacted me on XX/XX/XXXX to inform us the XXXX County tax payment of {$1100.00} was returned to their office because it was short. It was during this call I explained that XXXX was being paid off with the closing funds and that the amount the County was requesting is wrong. You insisted we were responsible for paying the difference regardless because that was the amount the County was asking for. Reluctantly, I paid the difference of {$1300.00} on XX/XX/XXXX. 

I contacted XXXX on XX/XX/XXXX to inform them I received a corrected tax statement and needed direction from them on whether we he was going to contact XXXX County to obtain clarification. Per our phone conversation this morning, the County has confirmed the over payment however since they are still processing all the payments they received, they could not provide you with an estimate of when a refund would be issued to your company. I expect your company to honor the disbursements of funds set fourth in the closing statement, issue a check to XXXX County for {$1200.00} and call me within 2 business days to schedule a time to pick up the refund check due to me in the amount of {$1200.00}. 

We have paid the tax bill twice 1 ) during initial closing 2 ) on XX/XX/XXXX. They are now insisting we make a third payment of {$1200.00} to pay the corrected statement. 

I received the following response : " Hello XXXX, I understand your frustration and our apologies for your inconvenience. I spoke with XXXX at the tax collectors office 3 times today trying to get a better idea to resolve this issue. We reached out to you on XX/XX/XXXX only due to a letter ( attached ) we received from the tax collectors office that the amount sent was incorrect. We only learned about the cancelled tax bill last week when you called our office. Per XXXX suggestion, he stated that we check back with him mid-XX/XX/XXXX as they do not have control over when their office can send back the check we sent them. I suggested that we stop pay the check they are holding and issue the correct amount but he stated that the check may get processed and well incur a fee if they process it. We will stay on top of this and check with the tax collectors office on a weekly bases with the check status. ''
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

Since returning to Florida, Bank of America has been making our lives a living XXXX by CONTINUALLY FREEZING my mom 's debit card due to " unusual activity. '' At this moment, IT IS FROZEN!! 
My mom is XXXX XXXX XXXX. And for her to be paying for groceries and the purchase being declined is VERY HUMILIATING!! 
We are homeless because Bank of America keeps freezing the card. No one wants to rent us someplace with this problem. I opened the account in XX/XX/XXXX. I had a few priblems over the years, but they were NOTHING like what has happened over the last year. 
These freezes have caused me to LOSE EVERYTHING WE HAD IN STORAGE!!! AND I MEAN EVERYTHING!!! My clothes, furniture, ID, social security card, birth certificate and other things that are nonreplacable. My grandmother 's ashes were there, too. 
I have lose XXXX XXXX XXXX because of them! 
Since I did not have my ID and my own debit card expired on XX/XX/XXXX, no one would assist me with getting my email address changed, so I can sign into my account due to XXXX XXXX!! 
We will be closing the account!
Consumer complaint received 2020-05-29
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX RESIDENT VERIFY XXXX XXXX XXXX XXXX XXXX XXXX CARD
Consumer complaint received 2024-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

On XX/XX/XXXX I received email notification that my loan provider Nelnet was rebranded to Sloan Servicing and no terms or conditions of my loan would change. My monthly payment amount to Nelnet of {$420.00} has been due on the XXXX of the month since XXXX. I have not missed any payments since that time and frequently paid a little extra. I received my first bill from Sloan Servicing around XX/XX/XXXX which had different loan terms including an increase to my monthly payment to {$450.00} and a due date of XXXX of the month. They also notified me of a past due amount of {$38.00}. When I called Sloan Customer Service to dispute these changes they couldnt explain them and told me my information was not accurate. They kept me on hold for over a hour and promised to call me back, but never did. They also XXXX my ability to view or download prior billing statements.