davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I got scammed after I used my bank of American to make a purchase through XXXX  both of the payment went to a fraudulent account and never received my merchandise or my money. I dispute the charges with XXXX XXXX who referred me to bank of America. After I filed the claims with bank of America for both payments, bank of America change the direct debit guaranteed rules and denied my claims and refused to reimburse my account. I asked to speak to a manager, the representative told me he's infact a senior account executive and that there's no one else who can help me. Please I need help to recover the XXXX dollar that I worked so hard for and was taken from me and my XXXX  children.
Consumer complaint received 2020-09-17
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: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2020-09-17
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: LEXISNEXIS (GA)

I've disputed a Bankruptcy on my report and was told by the credit bureaus that they verified the information with Lexis Nexis. I called Lexis Nexis to dispute the information and asked how was this information verified. Lexis Nexis me they received the verification from XXXX   and the courts. I emailed XXXX  to inquire about this verification process and they stated they do not provide verification of consumer information ( as stated in my attached email ). This is not my account and I've asked for this to be removed from my Lexis Nexis account as well and all three of the Credit Bureaus.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I started attending XXXX XXXX in XX/XX/2009. I went a year without any problems. Then I went through some life changing problems and had to stop schooling for a short time, about a month or two. When I went to re-enroll they had canceled my program, XXXX XXXX, and could no longer get a associates in that area of study. So I switched programs but they just were not for me. Now I have all this debt, no degree and credits that nobody wants. I'm stuck and very upset about it. No one wants to work with me on figuring out a solution other than asking for the loan payback. 

While attending the college, they were unprofessional and it seemed like they just wanted you to just cruise through the courses. What I mean is it seemed like they just passed you no matter if you learned the studies or not just to get you out of there. I feel like I learned nothing from this college other than how to spend a ton of money while getting absolutely nothing in return. I was trapped.
Consumer complaint received 2023-01-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

These creditors Portfolio recovery assc XXXX and XXXX XXXX XXXX XXXX are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collections with a past due balance of {$1000.00} from portfolio recovery XXXX and {$520.00} from XXXX XXXX XXXX XXXX. This is a violation of the Fair Credit Reporting Act and is in violation of requisite XXXX XXXX compliant reporting standards. By the provisions of FCRA and the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, i have the right to a fair and accurate credit report, and you are required to remove any information that isnt true, accurate, compliant and verifiable. i demand these above mentioned derogatory items be investigated and permanently remove from my report.
Consumer complaint received 2020-09-17
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. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: KEYCORP (MO)

I HAVE AN ILLINOIS STATE REFUND DUE IN THE AMOUNT OF {$540.00}. I HAD MOVED OUT OF STATE AS OF XX/XX/XXXX AND THE CARD WAS ISSUED ON XX/XX/XXXX AND MY XXXX ILL STATE REFUND WAS SENT TO KEY BANK. I HAVE CONTACTED KEY BANK NOW AT LEAST 7 TIMES BY PHONE AND GIVEN THEM THE INFORMATION THAT THE STATE OF ILL COMPROLLER OFFICE STATED I NEEDED TO GIVE THEM I ALSO HAD MY ADDRESS CHANGED BY THE DEPT OF REV ON XX/XX/XXXX AND THE DOR STATED IT CHANGED IN THE SYSTEM. I HAVE CALLED TWICE A WEEK SINCE THAT DATE AND THEY STILL SAY ITS NOT CHANGED AND TODAY AFTER 6 OTHER PHONE CALLS ARE STATING THAT THE DOR HAS TO VERIFY MY BIRTHDATE ( HAS NEVER ASKED THIS BEFORE ) I HAVE CONTACTED THE ILL DOR AT LEAST 5 TIMES AND THEY STATE THE DONT EVEN GET MY BIRTHDATE ON THE RETURNS AND HAVE NO IDEA WHY THEY ARE ASKING FOR THIS. I BELEIVE THAT KEY BANK IS DOING FRAUDULANT THINGS WITH MY SS CARE AND NOW BIRTHDATE AS WELL AS I HAVE GIVEN THEM MY CURRENT ADDRESS, PREVIOUS ADDRESS, FULL NAME, AMOUNT OF THE REFUND AND EXACT DATE OF PROCESS. KEY BANK WILL NOT PROVIDE ME WITH AN ACTUAL ADDRESS OR EVEN A STATE THEY ARE LOCATED IT.
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem adding money
Company: U.S. BANCORP (LA)

US Bank Reliacard has told me to contact Louisiana XXXX XXXX, and they RARELY answer the phone, and when they do, and not hang up on you immediately after sitting 2 hours with you waiting to literally hang up in your face. or send another card another card. I have recently gone through 3 US Bank cards, all with a XXXX balance, when my Unemployment has sent me a total of @ {$700.00} strictly unemployment, and about {$2000.00} for the CARES ACT. Someone please solve this conundrum for me! This has gone on for a very long time, and whoever is reading this, please help!! Times aren't exactly kosher at the moment. 

Thank you, XXXX XXXX XXXX XXXX is the laziest employees I've ever had to deal with on the phone, and US Bank XXXX XXXX is not far behind them, where I wait about 1hr 30 min on average to speak with a human being.
Consumer complaint received 2018-07-12
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. (FL)

Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX  and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

XX/XX/22 - CareCredit XXXX Synchrony Bank ) card for a medical procedure totaling {$5500.00}. 

XX/XX/22 - Paid {$170.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$30.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$430.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged late fee of {$41.00} even though payment was made on XX/XX/22. 

XX/XX/22 - Paid {$300.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Was charged late fee of {$41.00} ahead of pay date of XXXX of month. 

XX/XX/22 - Was charged {$2.00} minimum interest charge on the late fees. 

XX/XX/22 - Called to inquire about late and interest fees. Spoke to XXXX, who explained that even though we paid ahead of the XXXX and more than the minimum, the payments occurred within the " billing statement period '' and that payments should be made after the XXXX or so and before the XXXX to meet the XXXX pay date. 

I explained that I was not aware and asked if the fees could be removed. 

She authorized the XX/XX/22 late fee of {$41.00} to be removed, but could only do one in a 12-month span. 

I asked about getting supervisor approval and she said that she would inquire. 

XX/XX/22 - Received a " past due '' notice from CareCredit. 

XX/XX/22 - Called to inquire. Do not recall who I spoke to. Asked about this notice AND about the supervisor decision from XX/XX/22. She noted that I had called, but I again was told about the one late fee removal in 12-month span. No other fees were removed. 

XX/XX/22 - Made payment of {$300.00} so late fee would not be charged.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BMO Bank, N.A. (TX)

MAJOR SAFETY AND PRIVACY FLAW FOR CREDIT CARDS IF USING ONLINE BANKING THROUGH BMO!!! BMO Harris allows the option to update settings ( including address ) to your account online. Under that account is housed both debit and credit cards. Despite being able to update statement preferences ( paperless, etc. ), for BOTH debit and credit cards under the account, you CAN NOT update addresses to credit cards online. That would be fine EXCEPT this is not indicated ANYWHERE and not even a lot of employees know this ( and it is misleading that you can change other preferences regarding the credit card statements ). In XXXX or XXXX of XXXX, I updated my account address online ( not under the specific debit or credit card, but the whole thing ). My debit card address updated but my credit card did not. This means that my credit card statement was sent to an prior address for the person there to read what I bought and where I bought it, and had other private information in my statement. On XX/XX/XXXX I found out about this problem and contacted BMO Harris, where I spoke to 3 separate employees. The first two staff members at BMO had no idea why this was happening to me, and told me that it was all fixed in their system ( they looked up my account via my SSN, not debit number or anything, so you would think my credit card would also appear. ) Not a single staff member had any sympathy for the fact that they sent my personal, private information to someone else. At first, I was just told that that " Well why don't you just try going paperless online, since you aren't getting them sent to you anyway. '' since they didn't know what to do ( the only reason I was not getting them anyway was because they were sending them to the wrong person -- a place that I left and moved far from! ) It took several transfers for someone to know that credit cards were not updated online. How on Earth is a customer supposed to know this until it is too late and their privacy has already been violated and safety potentially compromised. Again, not a single person had any care about this, and without actions greater than calling customer service, BMO will not be changing their online system to include a disclaimer because they simply do not care about consumers ' privacy, or even safety. I strongly hope that change is made, because including a simple statement that credit card addresses are not updated ( while other preferences for statements are ) would be very easy to do, would solve the problem entirely, and would protect consumers ' privacy and safety. As is, BMO is causing potentially dangerous/abusive situations to be enflamed by incorrectly sending personal information on purchases ( which often indicates a person 's new location ).
Consumer complaint received 2020-06-28
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. (NY)

this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains.
Consumer complaint received 2020-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dyck-O'Neal, Inc. (MD)

Dyck O'neal is a debt collection agency. They have purchased a debt and reported it as open installment accounts. They have dishonestly reported an account ( ending in # XXXX XXXX to all the reporting agencies. They are currently reporting this as a part of a bankruptcy that was discharged in XXXX yesterday the account as opened in XXXX XXXX. I have disputed several times and they continue to change the data inaccurately, fraudulently and misleading. To find out this is in fact an attempt to collect a debt. They are reporting it as an installment which it is not. Dyck O'Neal is plainly titled as a collection agency, not an original creditor and has not validated any debt owed. I have received no information from this company via mail or otherwise to resolve any debt with them, which is failure to notify according to FCRA regulation. The attached document shows the mid information and their refusal to remove it is violating the FCRA. They continuing to submit information that they know is incorrect, and XXXX, a XXXX, and a XXXX  has allowed this defamation. 
.
Consumer complaint received 2020-05-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Dear CFPB, My servicer is Carrington Mortgage Company. I have had issues with them in the past and right now I am very fearful as they are not abiding by the Cares Act. My loan is a FHA loan and I have had perfect pay history. At this time I have had a substantial loss in income due to Covid 19 and being XXXX XXXX  I was denied unemployment. I requested Carrington to assist me with their Covid assistance and they placed me in a 90 day forbearance and sent me the attached letter that I did not need to make any payments during these 90 days and that negative reporting would not take place. However, when I started to receive mortgage statements the total amount due continues to accumulate and they are charging late fees. Immediately, Monday XX/XX/XXXX I contacted them to ask why and how this was going to be handled at the end of the 90 days as the letter and the initial representative stated that we would NOT have to make payments during the 90 days. This representative stated that it was because at the end of the 90 days I was going to be REQUIRED to pay ALL of those 3 months back no later than the last day of the 90 days. I stated how this could be possible? It would be impossible! I needed it to be applied to the existing loan somehow. This would be the only way. I quickly went to your website and HUD.gov to gather more details on how this was to be allowed with the CARES Act and I ready that they CAN NOT require us to repay in a given lump sum as they are trying to do. I completely understand that I still owe the months missed, but just as your site states I should be given two options 1 ) Pay back monthly over a given period of time increasing the existing monthly obligation or 2 ) A junior lien which would make much more sense of course. This is despicable that I had to speak with 4 people including a " Supervisor '' that had no clue that this was not going to be permissible they are causing a lot of anguish and quite frankly in violation here. What constitutes their " qualification '' for requiring us to repay this lump sum? They are stating that they are in compliance with CARES Act and that their investors have the final word. I do not want to ruin my credit over this and simply want them to abide by this as this was part of the stimulus. Please note the attached letter they mailed me initially stating that I was in fact in a forbearance and that I would NOT be required to make any payments during the 90 days. However, it is very general and open ended and does not however state that a lump sum WILL NOT be required, yet over the phone they are telling us this! I told needed this in writing and they refuse to provide it having me on pins and needles to wait until mid XXXX! Thank you for your assistance in this matter.
Consumer complaint received 2020-01-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Please help me with my mortgage company refusal to reduce my account by {$49000.00} due to late payments in XX/XX/XXXX. I was 91 days late due to financial difficulties and was never informed that my account had XXXX surplus all along during that time period. They refunded a check for {$9100.00} in XXXX, XXXX. I have contacted them and they refuse to understand that my account was never in default so they want to keep {$49000.00} which is a great sum of money. Please help me. My account has been current up to the present. 
Thank you, XXXX XXXX
Consumer complaint received 2020-05-14
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. (TN)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX