davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (TX)

I have two unresolved, unauthorized inquiries on my credit profile with Equifax. 

I have reached out to each company requesting that these unauthorize inquiries be removed from my credit profile. As of to date, these unauthorized inquiries remain in my credit profile.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (PA)

I have not been able to get my free credit report online from Equifax since 2016. I try every year, and every year, Equifax uses bogus verification questions to deny me access. I don't have any problems with XXXX or XXXX ; only Equifax denies me access online.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have never done business with XXXX XXXX I've never opened an account with XXXX XXXX XXXX either. I have no knowledge of these accounts. I reached out to them to make them aware of my victimization being trafficked abused and disputed this information. They put on my report that I diapered the account but it meets fcra standards. This is egregious which means transition didn't do their job in investigation not did XXXX XXXX. I want XXXX  removed XXXX XXXX removed as well as the hard inquiry associated with the companied and my score accordingly
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

On XX/XX/2018 an order was placed at Ashley Furniture for {$3000.00} using a Synchrony Bank credit card. The order was for a couch, bed, and bed frame. On XX/XX/2018 the order was modified to a different couch for {$2800.00}. On XX/XX/2018 the order was canceled. I have reached out to Synchrony Bank on multiple occasions to notify them of the canceled order, however they refuse to acknowledge the credit and continue to charge me for the canceled order. I have also provided Synchrony Bank with the credit, however they continue to keep the order on my statement. Attached you will find the two sales orders along with the credit voiding the sale.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Have a fraud alert on my report I didnt put there. Cant log on to account. Cant call them. Everything is about money to talk to XXXX XXXX that dont speak XXXX
Consumer complaint received 2016-02-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

am filling a complaint against Bank of America , NA for the deceitful, dishonest, lies and corrupt, method which They unlawfully auctioned my property on XXXX XXXX, 2016 it was an illegal sale, It has gone back to their XXXX XXXX I found very serious violation in the process of transfer of my loan there was no Assignments, Substitution or Substitution of Trustee ever recorded in the County in which my property is located. it clearly states in the California Civil Codes Regulation proper recording of documents
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a Bank of America customer since XXXX and never had an outstanding balance in my XXXX credit card. On XXXX XXXX, XXXX I took advantage of a promotion of a 0 % cash advance. I paid {$600.00} fee for a {$15000.00} cash advance payable in XXXX XXXX at 0 % interest. 
In my following statement on XXXX XXXX, XXXX I was charged {$44.00} for interest, even though I had paid in full for my purchases. 
When I called the bank, I was told that my payment was applied to the cash advance balance and not my purchases, thus the interest on my purchases .... This to me is clearly a scam or misleading promotion since I am being charged twice the interest. Bank was unwilling to solve my problem and suggested to stop making purchases with my credit card to avoid future interest charges.
Consumer complaint received 2022-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (RI)

My timely mortgage payments were incorrectly applied as " ADDITIONAL PRINCIPAL '' and " MISC RECEIPT ''. As a result, I have been charged multiple late fees and my account was reported delinquent to all 3 credit reports. This caused my XXXX score to drop XXXX points and credit card companies to cut my credit lines. 

Attempting to get this corrected with TD Bank has been a nightmare. There are two groups involved, the mortgage servicing group and the collections group. They use different computer systems, can not see the same notes and information, can not/ do not talk to each other, and updates on one side can take " several business days '' to be viewed by the other side. 

The result is a multi-hour phone tag where I am continually transferred from one group to the other. I am repeatedly told by the servicing group that they see my account is still in forbearance, which obviously makes no sense since at the same time they say I have payments due and am delinquent. 

When I call the collections group, they assure me that there are " notes on the account '' to fix the issue, but they can't actually fix the issue, nor can they tell me when this will be fixed, nor am I allowed to talk to anyone with any authority. I'm fed up with this and it's a waste of my time. 

This whole issue began because TD Bank changed my mortgage payment 1 month after forbearance ended, which caused my original XXXX payment to be {$40.00} short. ( I thought escrow adjustments were supposed to be made only once per 12 months? ) I didn't know about this adjustment because in the year 2022, TD Bank does not have online mortgage statements. Even though I immediately made the extra {$40.00} payment once informed in XXXX, this still has not been applied and my account remains delinquent in XXXX.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is an account listed on my Transunion credit report as XXXX XXXX XXXX XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Transunion has not resolved the issue. They sent a letter stating new information below, which has not addressed the issue.
Consumer complaint received 2022-02-09
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: EQUIFAX, INC. (GA)

Here are attatched of all the proof u need to dismiss my 180 days late payments on my XXXX XXXX and Equifax report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.
Consumer complaint received 2024-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC (TN)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, XXXX XXXX Subject : Complaint Against XXXX XXXX Regarding Mishandling of Check Cancellation and Unfair Debt Collection Practices by Harpeth Financial Services , LLC Date : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding an issue that arose with XXXX XXXX concerning the cancellation of a check, and subsequent unfair debt collection practices employed by Harpeth Financial Services , LLC.

1. Summary of the Incident : In XXXX, I acquired a secured credit card from XXXX XXXX by depositing {$2500.00}. In XXXX, upon closing the account, XXXX XXXX issued a refund check of the same amount. I attempted to deposit this check via mobile deposit with XXXX XXXX, but was informed that the funds would not be available for XXXX  days. Due to my immediate need for the funds, I cancelled the mobile deposit. Subsequently, I presented the check at Advanced Financial, a check cashing service, where it was cashed after they agreed to proceed knowing the situation.

Unexpectedly, a month later, XXXX XXXX released the {$2500.00} into my bank account even though I had previously cancelled the deposit. This oversight by XXXX XXXX led to a scenario where the funds were mistakenly made available XXXX. I only became aware of this when Advanced Financial and their debt collector, Harpeth Financial Services , LLC, served me with a subpoena claiming that I owed money due to a 'bad check'a situation that was the direct result of XXXX XXXX not properly cancelling the check deposit as requested.

2. Issues Faced : Mishandling of Check Cancellation : XXXX XXXX failed to properly cancel the check deposit when requested, which directly led to the funds being erroneously available XXXX. This mismanagement has unfairly resulted in a legal and financial dilemma for me, including a lawsuit for a 'bad check ' that I had no intention of writing.

Unfair Debt Collection : Harpeth Financial Services , LLC, initiated debt collection efforts and legal action against me based on the double payment error caused by XXXX XXXX. I also NEVER received a notice of debt from Harpeth Financial, only a subpoena to court for this debt. This has included the pursuit of court costs and attorney fees under the presumption of a fault on my part, which was not the case.

Thank you for your attention to this serious matter. I look forward to your prompt response and resolution of these issues. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tn XXXX
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (MD)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-08
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. (MD)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fraudulent accounts were opened using my identity. These accounts are having an adverse effect on my credit files. XXXX, XXXX, and TransUnion are reporting accounts that are not mine and are allowing these collection agencies report false information.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

well, I got a credit card from Bank Of America with the balance of {$2000.00} and have paying for the last 18 Months and it shows only a balance of {$1900.00} and the credit card Computation seems very unrealistic and scum!! and also the company reported me late for more than 30 days in XXXX XXXX and XXXX XXXX which in XXXX case I did not get the statements on time, and as a result damaged my credit report making harder to refinance my Home Mortgage, I paid approximately XXXX - {$1400.00} which makes it mathematically impossible for the balance the showed to be accurate.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX XXXX is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT XXXX
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX XXXX  is reporting me late and that the account is still open with the balance increasing each month. I have submitted my proof that the Id Theft was filed with the XXXX County Sheriff 's Office and needs to be Deleted Immediately from my credit report. 
XXXX XXXX PARTIAL ACCOUNT XXXX
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.
Consumer complaint received 2017-03-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XX/XX/2017 I went to Bank of America in XXXX California around XXXX to in cash my check. The teller put my cash ( {$600.00} ) money in an envelope. As she handed to me my cash she asked what else can she do, so I asked her to check my balance. Out of my mind I forgot my cash ( envelope ) in the counter. I went to my safety box and when I 'm about to look for my cash in my bag nothing. So I went out to the teller and asked her if she saw any envelope no help. I went to the manager if she can help me, to view the cameras. But still no help. She even told me if I 'm accusing the teller, I just want her to help me. She told me to file a police report to view the camera. So I went to the police and ask me what happen. He told me You are still in their premises. Still their responsibility. But if you want file on line. So I went back to the bank and told the manager that I 'm still in your premises but no luck or help. I still filed a police report. I 'm just concern being a customer and are safety inside their premises. The way the manager attitude toward me is no help at all.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX and I have multiple student loans ( for him ) through Suntrust. He has continuously be enrolled in school and will graduate this XXXX. They are putting on my credit report ( and reuining my credit score/ability to transfer balances ) that he/I are deliquent greater than 120 days because " the school did not send them enrollment information ''. Both my son and I have contacted Suntrust, XXXX, and the XXXX  ( school ) several times/several semesters. Also, for some reason, for 2 semesters-post XXXX, his XXXX did not go through-so Suntrust took it upon themselves to add it on to their loans. That is XXXX that should have been grants and XXXX that should have been federal loans per semester for 2 years!!!! They deny this. In the spring of 2020, my son received an email from XXXX that he got FULL CREDIT for all classess, dorm fees, food, etc, all charges, yet, Suntrust still has loans for that semester? He did not receive that money, the money was returned from the school, to the lender because the school was shutdown from XXXX. Suntrust denies this also. Suntrust also keeps adding interest on top on late fees and more interest to the original balances, that are incorrect to begin with, let alone to try to add late fees and interest on to someone's loans who is and has continuously been enrolled in school!!!!!!!!!!!! He has proof through his TRANSCRIPTS! AND WHO WOULD THEY BE PAYING! I have filed disputes with all three credit agencies, but this does not fix the real issue here!
Consumer complaint received 2024-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (FL)

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with Creditors Bureau Associates, they did not provide me with the original contract as I requested. Also, Creditors Bureau Associates lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This account contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed or registered in Florida. 


This is my second complaint submitted to the Consumer Financial Protection Bureau addressing the fraudulent and unfair acts that Creditors Bureau Associates are committing by reporting this misrepresenting and inaccurate account on my consumer report. Creditors Bureau Associates responded by providing me with a document that they created with a balance that I do not owe them. I have never signed a contract to do business, of any kind, with them. They also provided documents showing a {$0.00} balance as the overall " Grand total '' and " Patient Total ''.
Consumer complaint received 2017-03-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

My XX/XX/XXXX Tax Return Was deposit into the wrong account, I call the bank The Morning Of The Deposit and let them know the acct # was Wrong and please return the deposit to the IRS, THE BANK TOLD ME DONT WORRY the names must match the account, Well That Was A Lie, It Went to A Open Acct, it was deposit and spent, The IRS Said The Bank Should 've Return The Refund, The Bank Said The IRS has To Request The Refund Return They did n't, XXXX Made The Mistake and said the bank Will Reject the refund, It did n't happen I have been going back and fort with the XXXX agency and it 's like a lost case, I Contact the customer after chase bank give me his Name, Address and Phone # .I Contact him and he said he had a Amend return for almost the same amount from the same tax office and when it comes he will pay then THAT WAS XX/XX/XXXX, I 'm So Tried, and I Think Chase Should Have Sent it Back To The IRS , They Have Protected This One Customer and Not Me Well I 'm Your Customer To Chase. The IRS Sent A Letter Requesting Information and The Bank Said It Went Into The Wrong Acct, The Name And SS # DO NOT MATCH-Funds NOT AVAILABLE TO RETURN AS OF XX/XX/XXXX - {$4200.00} I Contact Chase Bank Executive Customer Service and after a while like 6 to 8 weeks was told The Bank Will Not Lose Any Money and yes it should have been return, To Go After The Customer. WOW
Consumer complaint received 2016-10-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: LendKey Technologies, Inc. (CO)

This company is making it impossible to repay my loan. There are no options for payment that do not result in additional charges. Trying to make a payment by phone, only open from XXXX to XXXX mon - Fri. Wanting to pay online is a percent, costing {$17.00} or more in fees. Pay by check is a {$2.00} fee. Auto withdrawal is n't working and they charge a {$20.00} late fee. 

This is robbery. The interest is bad enough, but the inability to pay without extra fees is ridiculous.
Consumer complaint received 2015-07-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (DE)

I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy. 

Note I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service.
Consumer complaint received 2016-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been working with Transunion for a few months now, XXXX I think and they are giving me a hard time. I have XXXX accounts with XXXX that they are reporting 120 days late even though the account has a XXXX balance and I havent made a payment on it in months!! I dont know why they are doing this!!! They are doing the exact same thing to XXXX XXXX accounts. An account can not be 120 days late on a XXXX balance, it is just not possible!!!!! Its against the Fair Credit Reporting Act and the Fair Credit Billing Act ( I looked these up on XXXX. )
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase Card has placed several inquiries on my credit reports ( XXXX, XXXX and XXXX ). These inquiries were done by someone over the phone and/or internet, using my personal information, fraudulently. The dates of these inquiries are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX These applications for credit was done fraudulently.