davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-17
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. (AZ)

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2016-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IN)

I ca n't log into my online experian account and I know I am answering the security questions correctly. I looked on XXXX XXXX and an address in XXXX is showing up and I 've never lived anywhere outside of XXXX. I researched the property and.it says the property owner is a XXXX year old XXXX XXXX
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I have disputed fraudulent charges that was made to my account XXXX XXXX.These charges were fraudulent because these charges were not made by me.The charges were for my life savings and before I knew it my account was wiped clean.I disputed the chargers, they were made to an online casino account that was not under my name.Someone has used my bank account to fund theyre online casino.I reached out to the bank first to dispute the charges, Shortly after the bank restricts my account without Notice.My account has been restricted since XXXX XXXX XXXX.it is now XX/XX/XXXX XXXXAfter filling the dispute I asked the reason for my account restriction, but no one had gave my an answer.I walked into the branch every day for a week and no one has gave me a reason as to why my account was restricted.On XX/XX/XXXX my dispute was denied.The bank claims I did not provide enough documents regarding the claim.So I reached out to the company that charged my card, and also reopened the claim this time.The company agrees that my deposit history for my account does not show any of the transactions I disputed reaching my account.Everything is documented.Now I am waiting for my bank response which can take up to 45days although they denied my claim within 2 days the first time.It has been 7 business days since I reopened my claim and my account is still restricted.This is my hard earned money and I have bills to pay I am short on cash and need to receive my money out of the account.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Open Account Balances are reported from TRANS UNION as of today XX/XX/2020. 

TRANS UNION SHOWS THE FOLLOWING BALANCE AS OF XXXX. 

Trans Union Balance Actual/Correct Balance 1. XXXX Credit Card {$6000.00} {$4900.00} 2. XXXX XXXX {$3800.00} {$3800.00} 3. XXXX  XXXX -Visa {$460.00} {$360.00} 4. XXXX  XXXX -M/C {$5200.00} {$2800.00}
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Sam 's Club store credit card, but received approval for a Sam 's Club Master Card. I do not want a Master card for Sam 's. I spoke to several people at Synchrony Bank XXXX XXXX ) and was told that I could not have a Sam 's Club store credit card because Synchrony Bank no longer issues them. According to Synchrony 's website, a Sam 's store credit card ( for use at Sam's/Walmart only ) is offered. Since I was only offered the Master Card for Sam 's Club, I canceled my application. I do n't want a Master Card. If I did, I would apply for XXXX. It makes me very angry that a bank, any bank, would force me to have a type of credit card that I do n't want, just to be able to shop at a specific store. I have sent a copy of this message to Synchrony Bank and Sam 's Club.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I m submitted a complaint against BECU as this credit union is careless about their customer 's problems. One of these issues that happened to me over and over is my online payment toward my visa payment for another credit union ( XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, I tried to pay online ( {$50.00} ) towards XXXX XXXX XXXX XXXX  visa card & the closest date showed was XX/XX/2022. A couple of days later I checked my account & it said delivered on XX/XX/2022, but nothing took from my checking account with BECU. I contacted both credit unions. BECU told me it was sent a check between XX/XX/XXXX to XXXX to XXXX XXXX XXXX XXXX and it is delivered on XX/XX/XXXX to them. But XXXX XXXX XXXX XXXX believe never received the payment. I talked with a lot of people from both credit unions but until this moment ( over a month ) none help me to solve my issue and it is not shown to my account. It seems both credit unions are not caring about messing with consumer credit scores & credit reports for showing these visa card payments are late and used against consumers by their third party ( XXXX ) which has a very bad reputation for that. Both these credit union doesn't have an email for the consumer to contact about their issues & telephone line is a long wait ( over 35 min ). Also, BECU made a lot of mistakes for my other deposit & payment in their own system & I have to call them for over two weeks for fixing that. Also, I tried to change my address in different ways but I was not able to change it even online & they asked me just to fill out a form and send it to them by mail or fax which is not very comfortable. This credit union just makes everything difficult for their customers. They knew me very well and I answered all my securities for my info but they still ignored changing my address by phone or online.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act : XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

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.
Consumer complaint received 2022-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (CA)

I had 2 refinances with two single family home properties in XXXX. Upon signing closing docs, I was given a first payment doc from FofA, which included the loan/account number. After the close of escrow on these two properties, I made 2 payments ( 1 for each property - {$900.00} and {$670.00} ) on XX/XX/2021. Unfortunately, I received a call from FofA ( around XX/XX/2021 ) to return their call. I returned their call, same day and the rep didn't know why they called. However, at this time, she showed that there was a late payment. I told her that I paid the mortgage payment and she said to give it a few days to process. 

A week later, I received 2 more calls. I returned their call and was told they never received the payments. I told them I did make the payments to the account numbers that were on my first payment doc I received from closing ( FofA ). She told me my new account number and said FofA changed the numbers after the close of escrow. FofA never notified me. I told her that I paid both payments to the original account number. She said she'll note the files they will start an investigation, but not to do anything. 

A week later, I received another call from FofA and wanted to know where my payment was for XXXX. I again explained and she said to email the cashed checks to the support team and that it will take 5 days to respond, but they will not report any late payments to the credit bureaus since it's under investigation. 

I emailed the cashed checks to both properties, to the support center and called them to confirm they received it. They indicated it will take another 5 days to process, again told me they will not report to the credit bureaus. 

Last Sunday, I find out FofA reported both property accounts as 30 days past due to all 3 credit bureaus. I called first thing on Monday morning, asking what happened. They assured me they didn't do anything. I spoke with 2 supervisors and they, too, indicated they don't show that it was reported. However, I have my credit report as proof and both checks were cashed XX/XX/2021 by FofA. They still claimed my account is still under investigation. 

I tried disputing both accounts through the credit bureaus with proof of the cashed checks and XXXX came back indicating FofA confirmed the 30 day late report. So FofA isn't even looking at the proof that I'm sending to them. To this date, my credit has been destroyed by these horrific actions. 

I want my accounts corrected AND all 3 credit bureaus corrected to show no late payments.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the fair credit reporting act : XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 ( a ) ( 1 ) States that the consumer report is inaccurate & unfair.

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.
Consumer complaint received 2020-10-16
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Thank you for taking the time to review the complaint. 
After reviewing credit reports in depth. XXXX XXXX 's third-party debt collector continues to collect a debt that is no longer owed due to the statute of limitations and currently established with XXXX XXXX. Requesting emails and different types of attempts ceased.
Consumer complaint received 2021-11-29
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group (NV)

I am attempting to contact my loan servicer but keep getting the run around. The last servicer I knew about was XXXX, so I called XXXX today and was told that my loans were paid off. After further investigation I was told that my loans were actually just transferred to XXXX XXXX. So I called XXXX XXXX and they told me they did not have an account for me so the representative told me to go to XXXX to find out who my loan servicer was. XXXX told me my loan servicer was XXXX. I called XXXX and put in my personal information ( SSN and DOB ) and was transferred to a phone number for XXXX. Unfortunately for me, no one answered and there is an automated message saying to call back during normal business hours but does not say what those hours are. I was not even able to leave a message. It was only XXXX PST so I can't imagine an office being closed at this time. I tried contacting these same people like 2 months ago and have not been able to reach anyone. I just want to know who my loan servicer is and I need to be able to speak with them regarding my account. It really shouldn't be this hard to get a hold of someone.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Manhattan Financial Group, Inc. (CA)

Applied for a Mortgage loan with Manhattan Financial Group got approved with a loan account number XXXX, paid 1st Payment on XX/XX/2016 for a due date of XX/XX/2016. They sent a letter stating that my loan has been sold to new lender XXXX home loans on XX/XX/2016 and the XX/XX/2016 payment should go to the new lender and not to them. My check to Manhattan Financial Group was cashed by them on XX/XX/2016. They are obligated to send this money to new lender instead they kept this money with them. I sent several mails with no response from them.
Consumer complaint received 2022-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TN)

XX/XX/XXXX I was able to get in my account earlier today. Around XXXX PM. I made an attempt to get in my account and was not able to. When I made it home I attempted to look at my online banking and could not access it. I contacted the XXXX number and was told my account was closed. When I asked why the guy said he did not have a reason as to why. I explained to him that my direct deposit is scheduled to go into this account on Friday and I needed to have access to my money. I have another account that is overdrawn and planned to fix this account with my bonus check on next week. I explained to him that the other account was overdrawn due to them making payments when funds are not available and I turned off my overdraft on that account to keep it from going into overdraft. The guy explained that if my direct deposit comes to the account that a check would be mailed out to me. And if it is already closed it will return to the company. I am not understanding why my account was closed. I just received a letter saying that if i don't bring the other account current by my next statement that my account would be closed by next statement cycle. I just received that letter on yesterday and it is dated for XX/XX/XXXX but I had plans to fix the account this pay period and next week.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Boa keeps denying my claim.// Money was sent via XXXX I didn't authorize the transactions// this company refuses to explain to me the details of the documents they used to investigate my claim -- > please view the cfpb response I submitted to boa // XXXX XXXX a boa resolution XXXX had stated I could receive my money back if I submitted proof// XXXX XXXX did not specify exactly what document would prove this XXXX >> boa has failed to specify exactly what type of documents they need -- > I already provided them with a police report -- > it proves my cellphone was lost during the time the XXXX transactions were sent -- > this company had told me that I needed to submit an affadavit to get a refund -- > I submitted it-+> boa then told me I needed to do a police report -- > I did a police report with the XXXX -- > boa told me that wasn't good enough -- XXXX I submitted a police report with the XXXX XXXX police department /// my claim was Openened and closed last year without my knowledge -- -> I want the documents stating how many times it was opened and closed and why wasn't i notiffed every single time -- > boa has failed to review AND READ every single document I have gave them this includes everytime I contacted them via XXXX, XXXX XXXX, VIA EMAIL, VIA THE CFPB, and via phone\\\boa advertises XXXX as an easy convenient way to send money, but they don't warn customers how dangerous it is>>>boa. Associates encourage customers and are very pushy for customers to get the. Boa app, but they don't warn us about the negative effects -- > they don't tell us how the app will take over your cellphone -- > the. App can control everything>>>when you download the app it's in the agreement, but the agreement is very long and has a lot of jargon// I had submitted a complaint because this company stopped sending me surveys last year after I submitted a negative survey... XXXXXXXX XXXX stated they found nothing wrong, because they only send ccustomers surveys every 30 days, that information is false. -- XXXX I will attach screenshots of the boa surveys I used to receive : the screenshots I attached will prove I received surveys more than once a month -- -> this proves BOA failed to actually take my complaint serious and failed to actually review the details///// I also want to mention, that last year BOA agents would put me on hold for a long time on purpose, after I began calling them frequently, because I had questions about the claim -- -> in the beginning the wait time was appropriate XXXX, but then it turn into XXXX mins after I began calling frequently -- XXXX i know they were making me wait longer, than usual, because when I borrowed my significant others cell phone to call they answered in less than XXXX mins ( ( ( I was still on hold with BOA with my cellphone ) ) ) -- >> I have this proof, but I can't upload it, because the file is ''to big '' -- >>
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JH Portfolio Debt Equities, LLC (OH)

This debt was through XXXX. The retailer closed my account, and changed who they have do their credit. The account was paid in full before they switched companies. I have a discrepancy on my credit report. I tried calling the debt collector, and they have no account matching my name. The name of the debt collector in JH Port Debt for {$400.00}.
Consumer complaint received 2024-01-23
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: Experian Information Solutions Inc. (NV)

I recently checked my credit report with XXXX, XXXX, and Experian. I noticed some fraudulent and incorrect information on my reports. There are hard inquiries on my report that were not authorized. XXXX, XXXX, and Experian have not removed these inquiries. 
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Also, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

We have a predatory loan. The mortgage adjusted/increased from a monthly payment of about {$1200.00} to over {$2200.00}. We were not aware this would happen. We could not afford the increased payments and got behind on the mortgage. In addition, we sufferred cuts in overtime and had to take furlough days which reduced our wages. We asked for a loan modification, but was denied. Each time we were denied, the mortgage servicer asked us to complete the modification paperwork all over again. We completed paperwork at least XXXX times only to be told we do not qualify. The last time we were told we qualified for the modification, made XXXX payments and again was told we did not qualify. The mortgage company filed foreclosure in 2009. We filed bankruptcy to stop the foreclosure. We want to keep our home, but the mortgage company will not work with us. At the advice of our attorney, we were told to stop making payments. We have been living in our home for several years without making payments. No one wants to talk to us. Please help!
Consumer complaint received 2022-10-06
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. (OH)

n accordance with the Fair Credit Reporting capital XXXX acct # XXXX, vive financial acct # XXXX, XXXX federal acct # XXXX, XXXX federalacct #, XXXX patt acct # XXXX, XXXX patt acct # XXXX, XXXX XXXX acct # XXXX, w/f XXXX 's acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions