davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (WA)

XX/XX/2018 - I was provided a link to a website to pay for an appraisal. I paid {$830.00} to appraisal service.

XX/XX/2018 - Appraiser came to home I have repeatedly called appraiser company asking for a copy of the appraisal and I have been told I must obtain that through Ally. I have repeated emailed and called loan officer Ally who states that the loan is still being worked on and will not provide me a copy of the appraisal.
Consumer complaint received 2022-08-27
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: LEXISNEXIS (KY)

Hello, I have written to and have called Lexus Nexus and asked them to please remove any information about my bankruptcy XXXX XXXX XXXX XXXX  because I didn't authorize for them to have it and give out my personal information to a third party. They have not responded to me at all. Please remove.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Paypal Holdings, Inc (TX)

I contacted paypal today and was told they hold direct deposits for 1-2 pay periods. I receive ssi and if the hold my deposit, I will accumulate late fees in the amount of {$50.00} a day starting XX/XX/XXXX. My rent is due no later than 3rd. The representative I spoke with at XXXX confirmed this and so did a rep on their XXXX  page. Those reps on XXXX then proceeded to give me the wrong customer service number. The cash card I have is held by XXXX XXXX  for paypal, not netspend. What they told me today doesn't match what their website for the cash card says, please see it at https : //www.paypal.com/us/webapps/mpp/paypal-debit-card? kid=p50274079852 & gclsrc=aw.ds & & gclid=Cj0KCQjwqrb7BRDlARIsACwGad7D9Nc33dNhyvqz-MjKDUVC9k3Prmdst0KdXVtkHAwaTnCyOL29ZwYaAmk7EALw_wcB I was advised by the rep on the phone to contact social security and have them change my pay date but for this to be in line with PayPals terms, that would have to be 1-2 months ago and I didn't sign up for direct deposit through paypal until this month.
Consumer complaint received 2022-07-02
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. (MO)

Tried to apply for credit card but was denied because of unauthorized use of credit leading to hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXXXXXX XXXX
Consumer complaint received 2019-01-13
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. (MI)

I have been going back and forth with the XXXX  about my dispute with XXXX XXXX reporting " paid charge off ''. This item continues to be on my credit report. XXXX XXXX has ask that this derogatory statement be removed.
Consumer complaint received 2022-08-27
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: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX multiple fraudulent transactions were charged to my Barclay credit card in the amount of {$1000.00} from XXXX XXXX XXXX and again on XX/XX/XXXX multiple fraud charges from XXXX XXXX XXXX of {$990.00}. I disputed these charges last year and all but these two charges were returned to me possibly due to an oversight because of the same dollar amount on the same day. In XXXX XXXX XXXX, I contacted Barclay to let them know these had not been refunded, they apologized for the oversight and told me in two weeks they would be credited. It is now almost 6 months later and Barclay has been giving me a run around, I have spoken to the fraud department, I have spoken with multiple managers, I have waited the " two billing periods '' for the refund and no resolution. Every rep has acknowledged the oversight and most recently when I last called again on XX/XX/XXXX the rep stated she has no estimated time on when this may be resolved which is absurd. For over a year now, this oversight and lack of action on Barclays behalf has negatively affected my credit score, my debt to income, and the amount being charged in interest is very high on money that is due to be refunded.
Consumer complaint received 2019-01-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc. (OR)

It will often take 2 weeks or 3 working weeks for them to post my next payment amount ( from the beginning of the month. They will actually take more than a month to post the next payment amount in general. They refuse to process them faster. I believe they are doing this to gain more money in interest payments.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (TX)

On XX/XX/2021 i sent a letter regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate theseitems within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigationdue to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the handsof the wrong person
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

Can not get ahold of anyone to close a fraudulent account. Have mailed letters, called and been on hold for over three hours - called local branches - was always transferred to fraud line that repeatedly tells me my call is important and will be answered by the next available associate - which was never accurate. I want these fraudulent accounts closed!
Consumer complaint received 2020-08-18
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: V and H Portfolio (AR)

Vance & Huffman Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX. Vance & Huffman has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (MA)

File a complaint XX/XX/XXXX XXXX Jefferson system capital Have not taken XXXX off my credit report. 
Im XXXX and I waited XXXX  years to get a housing voucher. Im getting refused housing because of the derogatory mark and my credit report.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

There is incorrect information being furnished in the personal information section of my consumer report since XX/XX/20 that EQUIFAX has PURPOSLEY furnished for years and have YET to do a VALID investigation and get these errors removed from my consumer report. This inaccurate is ruining my reputation. I need these errors DELETED from my consumer report immediately.
Consumer complaint received 2019-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NV)

XX/XX/XXXX new home was purchased and all property taxes were paid in full through escrow. 
XX/XX/XXXX PNC purchased mortgage loan from a different lender. 
XX/XX/XXXX Real Estate Taxes were reported as delinquent by PNC Bank. 
XX/XX/XXXX XXXX County Nevada County Property Tax Assessor stated real estate taxes were not delinquent. 

XX/XX/XXXX PNC Bank stated that XX/XX/XXXX tax installment was unpaid. 

We purchased property XX/XX/XXXX PNC Bank threatened to impose penalties and mandatory escrow.
Consumer complaint received 2022-08-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (NJ)

Received a loan from Mariner Finace for a Jacuzzi. The loan was considered same as cash 0 % if paid within 180 days. The company sent me an email with a welcome letter to login and establish my acct. Once I logged in, there was no statement or evidence of an acct. I called and tried to rectify more that 20 times, speaking with the Branch Manager, IT and agents with no luck. I was forced to make payments as to keep my credit clean but have no statements showing my loan, payments or outstanding balances. Their system is blank and I have no visibility or transparency regarding payments, balances or any changes to my account. I want to payoff the loan but can not receive a payoff, statements or understand if I payoff, they will not come after me later down the road. I have escalated dozens of times asking for a statement via letter, email or a screen shot of their systems since my login credentials do not map to may account. My account page does not even show I have an account with Mariner finance. 

Working with XXXX XXXX in XXXX Mariner Finance ( XXXX ) XXXX
Consumer complaint received 2022-03-29
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: Experian Information Solutions Inc. (AR)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (TN)

1. ) I scheduled an appointment on XX/XX/2020 to open a checking account with USBank. 
2. ) Appointment was set up for XX/XX/2020 via phone call. USBank sent email an a text confirmation stating a bank rep would call me. 
3. )XX/XX/2020 no phone call was received at time of scheduled appointment. I called USBank and spoke to a rep. She was not sure why I didn't receive a call but said she could set up the account with me at that time. 
4. ) I provided all my information along with a {$25.00} EFT deposit from my other bank account to open the USBank account. The rep said I should have an email by Tuesday  with an account number and bank information. 
5. )XX/XX/2020 Never received an email. 
6. ) On XX/XX/2020 I called the 800 number and they still could not find the account. The gentleman said that they are extremely busy and I should hear something in the next few days. 
7. ) On XX/XX/2020 I received a post card in the mail stating an account has been opened with USBank. 
8. ) On XX/XX/2020 I called the 800 number and asked for an account number so I could set up online banking. The rep could not find an account and said that it was still in the approval process. She said I should be contacted by Monday XX/XX/XXXX. 
9. ) It is XX/XX/XXXX and I still have not been contacted or emailed that my account is open.
Consumer complaint received 2022-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My Bank of America Account was hacked. The hacker opened a new account, transferred the money from my savings account, then withdrew a total amount of {$6100.00}. I have contacted Bank of America several times to no avail, first on XX/XX/XXXX when I found out about it and next on XX/XX/XXXX to refile my claim after the first was denied.
Consumer complaint received 2022-03-29
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. (NY)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. I DID NOT CONSENT TO AUTHORIZED NOR BENEFIT FROM ANY FOLLOWING. THIS FTC REPORT WAS NOT DONE IN ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

In XXXX I was unable to obtain phone service due to incorrect information provided by EQUIFAX. Birthdate was incorrect, reported as XX/XX/XXXX, correct date is XX/XX/XXXX. After I provided confirming documents, I received confirmation # XXXX and # XXXX from EQUIFAX stating that my birthdate was corrected on XX/XX/XXXX. I recently applied for credit and discovered that EQUIFAX was still reporting incorrectly. I submitted a new dispute and received confirmation # XXXX dated XX/XX/XXXX with the birthdate unchanged and no explanation as to why their previous corrective statements were false. 
This is OUTRAGIOUS!!! EQUIFAX should be severely censured and fined for this devious action and failure to correct their data. They must be fined until they correct their mistake.
Consumer complaint received 2019-01-13
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. (OH)

VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
Consumer complaint received 2020-08-18
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: SYNCHRONY FINANCIAL (FL)

XX/XX/2020 XXXX XXXX XXXX fraudulently filed : 1 ) False Police Report ( attached ) alleging bank fraud on my ( XXXX XXXX ' ) part ; 2 ) Fraudulently REVERSED all CREDIT card payments made from our joint account ( s ) and authorized payment accounts to my creditors for the entire year and in some cases, beyond one ( 1 ) year of payments ; 3 ) XXXX confessed to the above crimes in an OFFICIAL SWORN STATEMENT by and through XXXX  XXXX XXXX ( the bank that completed fraudulent reversals of payments after fraudulent claims were made by XXXX ). The sworn statement was NOTARIZED by two ( 2 ) FDIC officials and bank manager on site ( see attached ). 

Due to XXXX XXXX 's crimes ( above ), his additional XXXX  acts include XXXX XXXXXXXX, a conviction of same, and the reason I was confidentially relocated, forced to return my vehicle ( fear of additional XXXX/XXXX  ), and I was UNAWARE of all of the financial fraud in addition to vehicle payment and return. 

Despite numerous disputes with SYNCHRONY BANK, they continue to sabotage my credit report, cause grave financial and ongoing harm to my detriment. 

Under every clause contained in the FCRA, they are in FULL violation of my rights. 

Please help! 
Respectfully, XXXX  Offender : XXXX XXXX, XXXX XXXX FLORIDA XXXX v XXXX ( XXXXXXXX XXXX, XXXX, Florida ) contains partial documents ; remaining documents ALSO furnished to above creditor. Thank you.
Consumer complaint received 2019-01-13
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. (WI)

We have disputed an item on our credit report that is inaccurate with the three reporting bureaus ( joint reporting ). XXXX and XXXX  corrected the error and removed the item. Equifax has not corrected the problem. 

The item in question is from XXXX XXXX XXXX AT XXXX XXXX XXXX for {$87.00}. It is disputed because it is not our debt. We have been over this time and time again with the apartment complex and with the collection agency. Their incompetence and intent on being malicious and intentional in attempting to collect this debt is becoming irritating and annoying. We have demonstrated that it is not ours through pictures, letters, e-mails and conversations. The collection agency recognized that it is not ours but still insists on not correcting it because they have to go by what XXXX AT XXXX XXXX says they must do. This insanity has to stop NOW! 

We are tired of talking and proving to these crooks that it is not our debt. We now hold Equifax accountable and insist that they hold their poor business practices accountable to their error and oversight and immediately fix this problem by removing it from both our credit reporting.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AR)

Hired XXXX XXXX on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, XXXX and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : department of education/Nelnet. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and department of education/Nelnet XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Upon reviewing my credit reports, incorrect accounts are still presenting in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are needs to be corrected on my Credit Reports immediately : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2019-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (TX)

I applied for a Credit Card at XXXX XXXX which was approved I made one time purchase at the time of opening. Apparently US Bank was the credit issuing bank but the envelopes they have been sending had no labels on the outside that would hint at that these are for XXXX XXXX. I assumed these envelopes were marketing materials from US Bank which I often get and did not open them until yesterday. That's when I realized that it's for XXXX XXXX. I called them today and they are saying they can't waive the fees and finance charges. My initial balance was only $ XXXX but with fines and finance charges they are now $ XXXX. I only used the card that one time at the time of opening this is basically the first statement on which interest and finance charges have accumulated. They were talking about it's past 120 days ( 158 days ) and I asked them to waive the finance charges and interests within the last 120 days and they are not willing to do that. All this happened because the envelopes from outside had no indication that they are from XXXX hence I never opened them. This is clear ripoff of customer.
Consumer complaint received 2021-07-14
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

I dispute this information with Navient and they keep parroting back that the information is accurate when it is not. 
In 2017 I called my student loan Federal loan to get IDR. I was approve for IDR and and Navient contact me that they got the IDR. But now Navient keep reporting me as late in from XXXX to XX/XX/2017 and then XX/XX/2017. What is strange about it is that I was current in on XX/XX/2017 and mysteriously Navient report my account 90 days late in XXXX. I disputes this and Navient refuse to correct the wrong reporting. 
Also Navient is reporting XXXX XXXX account that is inaccurate.There is another account XXXX/ Navient which is a duplicates and should be deleted.