davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (FL)

My mortgage was transferred Stearns Lending in XX/XX/XXXX. My Home Insurance carrier told me in XX/XX/XXXX that my insurance will be cancelled if my yearly premium is not paid. I immediately informed Stearns and the rep. told me to not worry about it that payment was already mailed. A {$550.00} check was sent to XXXX XXXX in XX/XX/XXXX. The check was returned back on XX/XX/XXXX bc of wrong information was provided. My policy was canceled. Stearns never followed up and, in XX/XX/XXXX, I discovered that I had no Home Insurance policy. I contacted my Broker who explained that I needed a new Home Owner policy because the previous one could not be reinstated. Now the yearly premium increase is {$600.00} instead of {$550.00}. Stearns explained in XXXX that they will pay the {$46.00} difference to my escrow account bc it was their mistake for not following up. 
In XX/XX/XXXX, my mortgage was transferred to XXXX. 
Stearns refuses to pay the {$46.00} despites several phone calls and full explanation. Rep. usually put my call on hold until I hang up after 30 minutes waiting ) ; one told me Stearns will never pay anything. Now, I will have to pay an additional $ 46 yearly premium until the end of the mortgage life ( 30 y ) bc of Stearns 's mistakes, breach of duty, and obvious bad faith.
Consumer complaint received 2022-09-21
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: SYNCHRONY FINANCIAL (MO)

After submitting all the forms and the police report of stolen items it was denied and I didn't give the person who did it permission to use any of the cards stolen. My apt was broke into and items were stolen
Consumer complaint received 2022-09-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Letters were sent to the respective Bureau requesting to validate the information that they have reporting on my consumer report on XX/XX/XXXX. A copy of that letter is provided. The bureau responded simply stating that at the items in question were certified as accurate by the furnished. As they did not provide me any documentation of how this information was verified and they did not provide any documentation on what they requested to verify. I sent the following letter on the following dates XX/XX/XXXX and XX/XX/XXXX and more letters following on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX a copy of this letter is attached. These letter letters show consistent negligence. I asked multiple times to provide me with documentation, I asked consistently to verify and provide these items on my report and to show me what was given to them to prove the validity of these items. This bureau reports a bankrupt public record that is verified I request that you the court 's proof and show me who verified this item. I have never received any documentation or proof this has been over a year of negligence and violation of my consumer right over and over.
Consumer complaint received 2023-03-09
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: Experian Information Solutions Inc. (MI)

These accounts in collections are reflecting items that were initiated from an XXXX data breach and I don't have any knowledge of these negative accounts or balances. This account is under litigation and would like these deleted and removed immediately. XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX
Consumer complaint received 2022-07-01
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)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EXPERIAN ADDRESSES : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EMPLOYERS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX COLLECTIONS : 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 XXXXXXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, MD XXXX XXXX : 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 ADDRESSES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (FL)

Us direct Express card My us direct Express card been lock out over 10 days I Been calling daily Monday thru Friday even sat website said there open 7 days a week 24 hrs a day XXXX daily no answering there phones daily can not talk to customers services about this long loud music daily no response period I went to XXXX XXXX  to withdrawal funds my receipt said no funds available been checking online been lock out no customers services at all I can't even get my meds I need daily because of my health issues this is fair deal for anybody on social security or any benefits thru them having our money card lock up not fair either it's our XXXX money card shouldn't never been lock out I'm on XXXX monthly Please help me and let 's get my usdirect exspress card working asap
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

My mortgage is managed by PHH Mortgage Company @ PHH Mortgage Services in XXXX, PA XXXX given a XXXX XXXX XXXX as contact. Web account resources are accessed through XXXX XXXX XXXX website. Over the last 10 months this company has changed the monthly mortgage payment multiple times. I use bill-pay through my credit union, so in XX/XX/XXXX I missed making an adjustment to the standard monthly payment by XXXX dollars and some change. They put all the money in Escrow and began putting all my monthly payments in Escrow. They did not call me until some time in XX/XX/XXXX and after working with them for several weeks they got the payments redirected appropriately. However, they have begun putting my payments in Escrow again, with the excuse that I made my XX/XX/XXXX first  payment 11 days early. They put the XX/XX/XXXX payment for XX/XX/XXXX in Escrow, charged me a late fee and called me today to tell me my payment was late for XX/XX/XXXX. I called again and was told they had a rule set to redirect all my payments to Escrow and that needed to be changed.I now have had an XXXX XXXX because of the frustration. I am and always have had a credit score over 800, I pay my bills on time with less than 6 mishaps ( like a few days later on my water bill ) over my 45 years as a bill payer. I am afraid this company, being a debt collection company is trying to destroy my credit and take my property away from me. I have not changed my method of payment or timing except for setting it back a few days early because the company said in XXXX they did not receive it electronically for 7 to 10 business days. Please help me get this company straight so they will stop causing problems with my mortgage and my health.
Consumer complaint received 2022-07-01
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. (MI)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX NAME : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, FL XXXX INQUIRY : XXXX XX/XX/XXXX COLLECTIONS : 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 EXPERIAN EMPLOYER : XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, MI XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX, MI XXXX INQUIRY : XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account 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 # XXXX XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.
Consumer complaint received 2022-06-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

I had a horrible experience with Marcus customer service when I tried to perform an outbound ACH transfer to a linked external bank from my Marcus savings account ending in XXXX on XX/XX/XXXX and XXXX. Marcus Bank held my money for two days due to no fault of my own. The lack of knowledge and training exhibited by the customer service representatives were very concerning. 
Most of the agents just keep repeating the same thing over and over as if they are reading from a script. They do not seem to be capable of dealing with issues which they are not familiar with. I wasted many hours on the phone with multiple agents and suffered financial damages and wasted many huors of my time. Below is a timeline of events. 

XX/XX/XXXX XXXX - Spoke with a supervisor who helped me submit an outbound ACH transfer request to a linked external bank account and was told someone will call me soon for PIN verification. 
XXXX - Called Marcus because I did not receive a PIN call and was told to keep waiting. 
XXXX - called customer service again and was told someone will call me for the PIN and told me to keep waiting. 
XXXX - called customer service again since no PIN call was received and was told to call back the next day. 
XX/XX/XXXX XXXX - My Marcus account was frozen and I was not able to log in, so I called customer service and was connected with someone in the fraud department who wanted to setup a three way call with the external bank to verify my account ownership at the external bank. he put me onhold to call the external bank. then he tells me the agent at the externalbank told him they do not do third party verifications and he removed the linked bank account from my profile. I later called the external bank and was told the bank does allow third party verification but they were suspicious of him and they refused to give out any customer information to him. 
XXXX - Called customer service and spoke with a supervisor who helped me submit an outbound wire transfer request to the same external bank account and was told someone will call me soon for PIN verification. 
XXXX - No PIN call was received and I did not want to wait for the PIN call which might never happen so I called customer service again. 
Finally I spoke with a supervisor named XXXX who was very knowledgeable about the issue and helped me complete the PIN call and connected me with someone from the fraud department who setup a three way call with the external bank and verified my account ownership. The wire transfer was completed the next day.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (MD)

I had a Safe box account with Suntrust Bank. It's located at XXXX XXXX XXXX, XXXX, MD XXXX XXXX. Now it's new bank name is TRUIST. 
I opened the safe box account year XXXX XXXX and close year XXXX XXXX. 
To close Safe Box account, I emptied the box, returned the keys, filled out the paperwork. 
I had to return two keys, but I couldn't find extra spare key, so I paid an extra $ XXXXThey said they have to change all the keys. 
Recently another branch bank manager says there is still a safe box account and is paying expenses ever year {$55.00} from my checking account. I've been charged the wrong cost for XXXX years ( Total {$660.00} ). From my Bank account number XXXX under name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same day I went to the XXXX Branch to solve the problem. I asked them to show me ledger of safe box. They said they don't have any. 
A Banker in the branch said she would take of it and let me know later. Nothing happened so I visited the branch again. She didn't make any action. 
So I talked with another banker. He recognized an error and he said he will report complaint to the head office. I asked he to show me the complain report detail and filing case number. He said he couldn't provide it to me because it's an internal control information. He said that the staff at the head office will contact me but nobody contacted me. 
This time I talked with the Branch manager. I asked a case number again. Same answer. 
finally We opened the safe box with a bank engineer to make sure there is nothing is in the box. It was empty. He suggested He would pay in maximum for the past 3 years expenses ( {$160.00} total ) Why? 
Please give me a contact if you need more details. 

My phone number XXXX
Consumer complaint received 2022-06-28
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: WELLS FARGO & COMPANY (AZ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-28
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Grain Technology, Inc. (CA)

Grain XXXX  is an app, they recently changed their business model but previously they would take a {$150.00} security deposit and people could withdraw from it and then make payments, which are reported to credit bureaus. A few months ago they changed to an actual line of credit and required all existing users to complete a lengthy electronic identity verification, which I failed so they closed my account and demanded payoff, which I provided immediately. Last I heard from them they told me they had a problem when they tried to refund my security deposit and the issue was being escalated. I havent heard from them since and they ignore all my messages.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX is reporting to transunion and credit wise who reports for transunion, and the attachment shows that XXXX XXXX XXXX is reporting entries on my credit report as a charge off- and they are reporting inaccurate data to other bureaus as a collection. Please stop this madness!