davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: Carter-Young, Inc. (FL)

15 U.S.C. 1681b - U.S. Code - Unannotated Title 15. Commerce and Trade 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe -- These accounts are being reported on my credit report unlawfully : CARTER-YOUNG INC ( AccountXXXX ) collection opened XX/XX/XXXX XXXX  XXXX  ( XXXX ) collection opened XX/XX/XXXX XXXX  XXXX  XXXX ( XXXX ) collection opened XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) account opened XX/XX/XXXX XXXX
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

In XXXX of XXXX, I purchased office furniture from XXXX XXXX XXXX XXXX. XXXX delivered broken furniture. I filed a dispute XX/XX/2022 with American Express of my experience. XXXX came to replace said furniture XX/XX/2022. XX/XX/2022 furniture placement was refused because the XXXX delivered dirty dingy furniture uncovered and was NOT in acceptable condition for new furniture. 

XXXX XXXX XXXX XXXX XXXX  that I purchased, pushed me back to XXXX. 

Since then, broken furniture was left where XXXX XXXX XXXX left it untouched.
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (FL)

Please see specifically the loans below : I called ED Financial. However they do not see in their system that I have been late. However, on my credit report it shows 5 times late. They also agreed to send a letter stating so however, due to a back log of inquiries, they can not get it to me within the next 30 days and I am now currently trying to buy a building.

XXXX XXXX EDFINANCIAL SERVICES L XXXX XXXX XXXX EDFINANCIAL XXXX I have attached a copy of the credit report showing the incorrect reporting.
Consumer complaint received 2022-08-17
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (MS)

I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now Chrysler capital its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.
Consumer complaint received 2021-12-09
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 — Investigation took more than 30 days
Company: NCB Management Services Inc. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (DE)

I had a line of credit with XXXX for nine years for XXXX. I paid on time regularly for 9 years but instead of the loan amount going down, it went up yet I paid. 
Then they raised the rate to 9 percent which meant the monthly payments went up by more than XXXX dollars. I also had to pay for my regular mortgage.I begged XXXX to give me a loan mod but after many paperwork and months of correspondence, they sold the loan to a different company and now it is this horrible company called FCI which holds my loan. The original loan was for XXXX. I paid more than XXXX and now I still owe XXXX!!! which is unbelievable. I asked to pay a lump sum but they did not accept any offer. I still owe XXXX on my first mortgage which I have been paying without delay. This is my only asset in life and I don't want to lose it. I have contacted them but they are just dragging their feet. I do not owe them XXXX. Pure and simple. They are just thieves. They have also raised the interest to 10 percent!!! They send me their bills not once a month but three times at a time.
Consumer complaint received 2018-07-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I received a wage garnishment paperwork stating they were going to start garnish my paycheck. Issue is they have the wrong person. No one verified social security and date of birth, along with it shows a middle initial for a name but I don't have a middle name. This debt is not mine. I just ran my credit report and I have 0 negative remarks or any collection remarks. It is a collection agency that went to court but no one verified anything, including my employer.
Consumer complaint received 2021-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (NY)

We keep getting arbitrarily harassed by XXXX XXXX and their merchant services affiliate FISERV - like for today for example we woke up to try and login to our XXXX XXXX  account ( a feature created by FISERV to access our credit card deposits/chargebacks/etc ) and the " password didn't work. '' So then after we changed the password by authenticating ourselves a few times via email, and were able to log in, the entire data for merchant account ending in XXXX was completely and totally deleted, we think in retaliation for filing so many bona fide legitimate complaints against these XXXX entities with the CFPB and the XXXX XXXX. Please urgently investigate and advise.
Consumer complaint received 2020-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was affected by a natural disaster and have requested numerous times to have the late fees removed from my account as well as off my credit report. They refuse to remove them. I had it listed on my credit report affected by natural disaster. They need to remove it.
Consumer complaint received 2018-03-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America is trying to intimidate with their fraudulent tactics after I signed and agreement no 2015 cornered by their lawsuit against the house ( foreclosure ) I signed before that I always was in loan modifications but I didn't signed meaning I made the 3 payments but never signed the papers.. becouse mostly the agreement was for the company not for me at all on 2015 the balance was {$360000.00} that was lawyers payments and all the charges they made ( madeup ) the house wad listed for {$140000.00} but it eas ok I didn't end up homeless with my family they have me signed paper that up to now i don't understand becouse the are charging everything sinse a got their affordable work out wich was never affordable becouse the explained to me that after1 year they will be adjusted not a loan modifications but a different way to help me I'm in disability the know my income is fix most of the time. The firts months of the work out they claimed I own them. Money again after thw workout. First they said it was escrow now they claimed is becouse they are paying again THEIR LAWYERS. I don't understand but their lawyers send me many papers they claimed is the way their agreement is and I have to follow it {$5600.00} again every time i make a complaint their lawyers send me a hole bunch of papers mostly lies. But that's the way bank of America new way of changing people fraudulent tactics has to stop. Last time I make a complaint. They send me the police all this nonsense is making me sick my doctor agreed and everything is documented i will make this public I don't care about privacy becouse the got me all works out and I hope a lawyer see this and help me
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was alerted by XXXX that an account from another bank was opened in my name-I found out a few days before and reported to the company. XXXX advice was to lock my account-the problem was my account was locked for inquires, so the service didnt work. I attempted to report the matter and asked for a refund due to the lock didnt work. The representative said I cant do thatits complicated. I told him I didnt want to talk to him anymore and needed to speak to a manager, he threatened to hang up with me, I told him I know who to call. So I came here to report them and request a refund for services Im paying to lock my report, which didnt work. I only want a refund for a month.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (NJ)

Hello, it has come to my knowledge that the information reporting on my credit is non-compliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!
Consumer complaint received 2020-07-16
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX
Consumer complaint received 2020-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a transfer to pay my credit card balance on the XX/XX/XXXX for {$1500.00}. 

Then on the XX/XX/XXXX, in error I made another payment to the credit card for {$1400.00}, which put my card in credit due to the over payment. 

I called the Bank of America on the XX/XX/XXXX and explained the issue, they advised due to the payment hasnt been processed I need to call back the following day. I called BOA on the XX/XX/XXXX and the man I spoke to advised that I would have the {$1400.00} transferred into my account within the next 2-4 days. I called BOA on the XX/XX/XXXX and spoke to XXXX, she advised me that the previous adviser had made an error in the processing the refund and selected an incorrect reason for the refund. This means my refund would now take 60 days due to his error. I disputed this and advised that I should not be penalized for a BOA error. She advised that she would look to resolve and get me refunded in the next 4-6 days. I spoke to XXXX again on the XX/XX/XXXX and she advised that she is unable to correct the previous member of staff error and that the issue is going to be delayed further and I will have to wait 60 days from today 's date. BOA are very unhelpful and not willing to resolve an error they have created. I should not be made to wait such a long period of time for money they owe me.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello there! I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the roof of current address that you require. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. This is my 3rd time asking you to correct this information. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above.
Consumer complaint received 2023-01-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC (GA)

New Days advertising is deceptive and preys on borrowers.get money in the bank for financial security is ridiculous borrow at 5 % to put in a bank and earn.50 % maybe!!! Incredibly bad advicewhile generating feescompany should be shut dow not just fined!
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is a company reporting on my credit report by the name of XXXX XXXX. I have never heard of this company or even seen them in my area. This is really hurting me because I was involved in an accident and Im not able to do much right now. This is causing me emothional distres because I have been denied for jobs because of my credit. I did not give them permission to do anything to my report and I dont even know how they got my information.
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I closed the credit card account and I was told that the annual fee will be eliminated as it has just been charged for the year. After a month or so, I received a bill showing that the fee was not taken out and my account was now past due. After contacting the bank again, I was ignored and I was told that I am responsible for paying the fee.
Consumer complaint received 2021-06-24
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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (MO)

Barclays Bank completely mishandled my account, by placing a decease indicator on my account that rendered me unable to discuss or resolve my account with them. This then led to this account reporting a late payment on my credit report showing for XX/XX/2020, and subsequently a charge - off on my report for this debt. 

The facts are egregious, the mishandling of this is rather silly, and Barclays Bank really does not take any ownership of the mistake they made, nor have they shown any willingness to fairly, amiably, and equitably resolve this matter. 

I understand the confusion that them thinking I am deceased can cause, but once that has been proven to be false, I expected a swift resolution to the delinquent status of the account. However, because of the decease indicator, they refused to accept a payment, ultimately shuffling me between departments for HOURS on ends, from one confused foreign representative to another. Further, I have recently discovered that XXXX had the audacity to place the account with a 3rd party debt collector, further impacting me for something that was NOT MY FAULT.
Consumer complaint received 2018-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX charged my account for a reservation that was canceled in an adequate time frame however my account was still charged for a no show reservation. When I called CHASE, the representative XXXX wNted me to wait 15 days for my provisional credit - to allow the merchant to return the funds of {$86.00} - which I have already called XXXX XXXX to return - to which they would not agree. 
Thus, Id be waiting 15 days for no reason. 
Not to mention - when I asked XXXX for her supervisor, she said there was none and would NOT tell me her employee info or locality, so that I could properly file a complaint.
Consumer complaint received 2018-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accelerated Financial Solutions, LLC (LA)

Someone stole my wallet in XX/XX/2012and went to a furniture store and received furniture with my information. The amount of the debt was XXXX. Ive tried disputing this information with all three credit bureaus to no avail. I sent Accelerated Financed a  validation letter and they mailed me contracts with signatures that dont match. The debt was sold to Accelerated and they increased the amount owed to XXXX. Accelerated sent me all the info for the account, all of the info has the same address where I lived but the furniture was delivered to a different address. I had to close that account because of fraudulent activity and also filed a police report when someone broke into my car.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to request that you delete the following inaccurate information from my credit report because I am a victim of identity theft. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.