davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I recently reviewed a copy of my transition, XXXX and XXXX credit report, and it showed in accurate unauthorized inquiries from the companies list below, that I did not authorize they do not belong to me,, I understand that under the fcra section 604 a can not put a hard inquiry on my credit report authorization without my written authorization or consent I wrote changing XXXX and XXXX Tran union and requested for them to remove These in accurate XXXX inquiries more than 30 days ago and have not received any response or relief. HARD FROM XXXX XXXX, XXXX XXXX XXXX  XXXX, Unauthorized inquiries from experience, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hard on authorize increase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
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 — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had multiple disputes from a merchant that was using various names for all around the same amount of money. I included all of the transactions that I identified as from them in my dispute. This company never provided me the services they were supposed to provide in accessing an online portal for daily competitions against other players. The service was supposed to provide me this access and they never provided me the login information and they continued to charge my card. I asked Bank of America, on XX/XX/, 2017, via mail to dispute the charges. Online, they showed they received my letter as they disputed 3 of the 13 charges i disputed. However, they refuse to send me any correspondance and they keep telling me they sent out " letters '' asking for " more information to process the request. '' So, I resent my original dispute letter which details exactly what needs to be disputed, why, and what steps i took originally to talk with the merchant about the charges. 

They refuse to assist me.
Consumer complaint received 2021-11-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Leaders Financial Company (NJ)

THE COMPANYS RESPONSE DID NOT ADDRESS ALL OF MY ISSUES!!! 

The late fees and my balance is still incorrect. Leaders Opened my car loan on XXXX XXXX for $ XXXX.and I had a {$5000.00} down payment as well. That loan amount of {$10000.00} is also listed on my credit report. I have made my payments of {$390.00} as per my contract on time for 27 payments. My credit report states this information of on time payments. Therefore my loan balance should be paid. The 27 payments total is@XXXX. Please Advise, Please forward this information to the company as well... 

loan company : Leaders Finance company XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (WA)

On XX/XX/2021 the credit card company ( Aspire ) charged me a {$29.00} late fee. The company stated that my payment was returned by my bank. I looked up my bank statement online ( XXXX acct. ) It showed my payment paid on XX/XX/XXXX. I emailed Aspire a statement showing it was paid. Aspire emailed me back stating again that my payment was returned. I got mad and called them. They did not give me any reason for the charge and offered to reverse the fee. I accepted. There was another time about a year ago this company charged me a late fee that again was taken off because I am never late in my payments. Is this company just charging people at random seeing if they notice the fee or just pay it? If it happens again I am going to the FTC.
Consumer complaint received 2018-02-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (NY)

Hello, I had a car financed with JP Morgan Chase Bank NA for {$54000.00} since XX/XX/XXXX. Early XX/XX/XXXX I requested a payoff from Chase for the remaining balance of my car ( {$20000.00} ). The car was paid off XX/XX/XXXX. The following week I received a lien satisfaction letter from Chase ( attached ). On XX/XX/XXXX Chase calls me on my phone and request for me to send the lien satisfaction letter back and notified me the account has been reopened due to Bank error. Chase states that the payoff was not enough to cover the remaining balance ( {$4600.00} ). They scheduled a regular payment for XX/XX/XXXX of {$1000.00}. For a loan that has been paid off. The mistake of the bank is put on my shoulders.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My account is being closed but I can't withdraw money from my account. I received a deposit on XX/XX/XXXX but I didn't withdraw the money on that date. That same day my account was closed by the bank. I couldn't withdraw my money because they said there were open claims on my account. I spoke to the claims department from the bank and they said all my claims were already closed. I told the bank that the claims department said all my claims were closed but they said they couldn't verify it. I didn't understand because how hard could it be to find out if a claim was closed when all the information needed is available to them because they work in the same company. I called several times and kept getting the same response. They were lying telling me I had open claims but all my claims were closed according to the claims department. They now set a closure date for XX/XX/XXXX which would mean I have to go the entire month without any money.
Consumer complaint received 2024-05-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANC OF CALIFORNIA, INC. (CA)

We obtained a solar loan from our bank, whom wrote 2 checks to the solar company. The solar company never completed work. One of the checks was VOID due to not completion and time. Somehow the solar company got their bank to allow them to depost the visibility VOIDed check. The solar company and my bank have not helped me one bit in trying to recover these funds. As such we are paying a are forced to pay for a loan for work not copleted based on a check that that should not have been allowed to be deposited.The name of the bank is, Banc of California ( Formerly Pacific Western National Bank, PacWest Bank ) this is the Solar companies bank that allowed the deposit to occur.
Consumer complaint received 2018-02-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (FL)

I went through a divorce this past summer. My ex husband was paying the bills but come to find out when he left I was behind on my mortgage. When I got noticed of the sale date XX/XX/ I was shocked to find out what was going on. I'm not able to come up with the full reinstatement however I'm able to afford the contractual payments. I submitted a modification package and I've been following up with Ditech and the foreclosure attorney daily to get updates. On XX/XX/ Ditech advised me that a request to postpone the sale was sent to the foreclosure attorney and the mod package was sent to the investor. You can verify this call if you listen to the call that took place on XX/XX/. TodayXX/XX/XXXX I call Ditech and was advised that they will not postpone the sale but they still have a complete mod package. I feel that Ditech should honor their word and postpone the sale to allow the underwriters time to review my modification request.I feel that Ditech is holding up the review so they can take my house away from me. I'm requesting help and need assistance. Please listen to the calls because Ditech tells me on every call that the call is being recorded. They should honor their word and postpone the sale.
Consumer complaint received 2022-01-11
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. (TX)

About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. XXXX in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its fraud
Consumer complaint received 2021-05-24
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: EQUIFAX, INC. (NY)

THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2018-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HW Holding, Inc (OH)

hi, i paid my entire XXXX XXXX debt off three months ago. it was {$600.00}. i sent the copies of the money order to XXXX in XXXX, PA immediately following. 
XXXX XXXX only raised my credit 100 points. my credit is supposed to increase 200 points. 
i called XXXX XXXX and i dout they are going to do anything.
Consumer complaint received 2021-11-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (CA)

I attempted to close an account with a remote bank - Ally Bank in XXXX XXXX, PA. 

As this was a trust account, the authorization process was much more complicated than the personal accounts I also had at the bank. With those accounts, I was able to transfer funds out of Ally via their website to my local bank. With the trust account, however, I was required to call the bank and go through a very detailed process to ensure that I was the trustee on the account. When we finally got through this process, they ensured me that they would be sending me the account balance via a check. They confirmed that on the day the account was closed ( XX/XX/2021 ) the account balance was {$12000.00} and that I'd have the check in a few days. 

After several months and several phone calls, they indicated that they had already sent the check, but I never received it. They then said they would need a notarized affidavit regarding the lost check, which I sent them on XX/XX/XXXX. Again, I did not receive any check. 

I contacted Ally again in XXXX and indicated that I had never received the check. The customer service rep finally found my affidavit and indicated that it had not been processed yet. After a long phone discussion and the significant delay in processing my request, Ally agreed to wire transfer the money to my XXXX XXXX account. I provided the routing and account numbers and waited. 

I called them again two weeks ago and again asked where my money was. They indicated that after agreeing to send me the funds via wire transfer, they'd changed their minds and in fact needed a different form of affidavit regarding the lost check and wouldn't be sending me my funds, even after a five month delay, numerous phone calls, long wait times, constant transfers amount their internal departments and many broken promises.
Consumer complaint received 2020-01-23
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: U.S. BANCORP (CA)

I have a credit balance on my account that I was advised was on the account for the amount listed below. When I spoke to a representative they advised that they will not send a check back to me and due to them closing my account and removing the ability for me to have access to my money they are retaining the money. 

I have requested and requested the money as I have the proof that this happen and Elan Financial/Fidelity has not been willing to comply with issuance of a check and provide a  refund. 

The company will not assist and is delaying this. Elan financial has done this before and took over 30 days to get money back to me. 


XXXX Amount {$1100.00} {$1000.00} {$210.00} {$290.00} {$78.00} {$12.00} Total Amount {$2700.00}
Consumer complaint received 2018-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (NY)

After contacting the bank customer service, it is said there're unusual activities to my credit card. During XXXX, my account was paying another card ( which is not my account ) XXXX transactions of {$14000.00}, {$600.00}, {$1700.00}. It was frozen yesterday ( XX/XX/18 ).
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (AZ)

XX/XX/XXXX Letters were sent to XXXX demanding them to verify and validate inaccurate, wrong, and incorrect information being reported on my consumer report. They failed to validate and removed all debt in violation of FDCPA. The debts attached were challenged and could not be validated nor verified demanding removal. Demanded Wet Ink Signature Demanded Validity of Original Contract Demanded for bond to show affiliation with govt. Demanded for amounts and proof of debt.
Consumer complaint received 2022-04-29
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. (SC)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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 an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2022-04-29
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. (SC)

The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under : 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 an account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2018-02-06
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. (TX)

Equifax is reporting one account twice and not paid this just happen XX/XX/XXXX after disputing the account. I called Equifax to discuss this matter but no one could help me. XXXX XXXX XXXX XXXX is being reported 2 times and the account is paid with only one account. I did not have two accounts with XXXX XXXX XXXX XXXX under that account number. 

XXXX XXXX XXXX XXXX ( both accounts ) Account number XXXX ( both account ) Amount :  XXXX ( both accounts ) but now 2 different opening dates with is not true. 
XX/XX/XXXX date open is correct for this account XXXX XX/XX/XXXX is wrong I opened account XXXX because I moved on this date This information is incorrect and the duplicate accounts is just wrong and this was done to hurt my credit.
Consumer complaint received 2023-04-04
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. (TX)

XXXX violated my rights by : ( IAW 15USC 1681 [ Fair Credit Reporting Act ] ) sharing my information without my written consent. Also, XXXX has consistently harassed me by sending numerous notifications via email, supplied multiple reports of the same account to the credit reporting agencies ( which make my credit report look even more unfavorable ). 

I contacted all three of the primary credit reporting agencies about this problem last year, but none responded to me in any positive manner to assist in correcting this issue. I contacted all three of them again in XXXX of this year, and received responses that, again, were not helpful.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

My complaint is against Synchrony Bank. I've had this Paypal Credit for over a year and which they never reported and in XXXX of XXXX they decided to start reporting to the Credit Bureau 's and reported that I missed XXXX payments. I have my bank statements as proof that I did submit payments and want this updated since it completely dropped my score and since has been completely paid off. If they are not willing to update accordingly I will go further to contact a Credit Attorney and file a lawsuit because of how bad this one account has messed up my credit. In the pictures below I submitted will show XX/XX/XXXX I made a payment of {$40.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX a payment of {$30.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX payment of {$50.00} and XX/XX/XXXX payment of {$30.00}. Then XX/XX/XXXX I completely paid this off!! They have not reported a handful of payments nor have they reported that it's been paid off.
Consumer complaint received 2018-02-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My company was hired to facilitate a short sale transaction on behalf of the client after the previous company hired was unable to do so.  On XX/XX/XXXX, I faxed in the Bank of America (BOA) Authorization Form to four different fax numbers within BOA to ensure that it was placed on the file.  On XX/XX/XXXX, I was told that the Authorization was on file but they still needed to Authorize me through the system and to call back the following week.  Wanting to give ample time for the authorization to be placed on file, I called in on XX/XX/XXXX.  I had received word that the client had been receiving calls from BOA and they expected answers.  When I called into the short sale department, a gentleman told me that I needed to speak with Customer Service about the Authorization.  After the transfer, the lady at Customer Service was able to locate my Authorization and said that I needed to inform short sale to "read the customer service notes about [my] authorization."  I was transferred again to short sale and spoke with XXXX XXXX.  XXXX. XXXX refused to look into the notes and repeatedly told me that he was not able to speak with me as I was "not authorized."  I explained to him what happened and that customer service gave specific directions on how to bypass this issue.  He again refused.  When I asked to speak with a supervisor, he put me on hold only to come back and say that the supervisor refused to speak with me as well since I am, once again, "not authorized."  I demanded to speak with any supervisor in any department and he once again refused to allow me to do so.  When I asked to be transferred to customer service again, he instead stayed on the line with the rep from customer service.  She finally agreed to search for my authorization, even though there are notes about it, and confirmed with him that we have a short sale authorization on file for my company.  She told me that the only thing she can do is send me to short sale.  XXXX said that he is short sale and he will not speak with me and neither will a supervisor.  Even though, he had confirmation that my authorization was on file, he still refused to speak with me or let a supervisor know that my authorization is on file so that they could speak with me.I let him know that we have an offer on the property, the property is in foreclosure, we have an elderly client, and that I am trying to help BOA recover some of their losses by working on the short sale with them.  He refused to listen or care and simply told me that he cannot speak with me.
Consumer complaint received 2022-04-29
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: Choice Recovery, Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.