davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

I tried calling this Shellpoint ( NewRez ) to delay my payment and put myself in a forbearance program and connecting with the department was extremely difficult and wasn't successful in connecting with a agent.

Therefore, so between being furloughed for over 3 month and then getting XXXX  with XXXX  XXXX. I must have overlooked the payment and without being successful with connecting with an agent. After all I was also XXXX XXXX with XXXX  and wasn't in the correct state of mind will the illness. 

I called Shellpoint to explain the situation and they had no intention in helping me but I believe I was speaking with someone without the authority to help me. I was thinking surely they can see that this is a special circumstance and would be willing help. I believe in compassion and that we live in a world where empathy is something that big companies can still exercise given the correct circumstance. I do appreciate NewRez before this point they have been great to work with and extended there business to me and I will be forever grateful for this. 

I am trying to rebuild my credit in preparation for business oppurtunities. I have been able to show that I am capable of responsible credit management as reflected in my credit records. I am requesting that you give me a second chance at a positive credit rating by revising my trade line with the Credit Reporting Agencies. I sincerely hope that there is redemption at NewRez, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome. 

Very Hopefully, XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX Filed : XX/XX/XXXX.
Consumer complaint received 2022-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days 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 be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-11-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

1. We have a 3rd floor condo in a mixed use retail, professional office and residential building in XXXX,XX/XX/XXXX We were notified by US Bank in XXXX this year that flood insurance would be required. We have a first lien HELOC with US Bank on this condo. It was opened about 10 years ago. 

2. We informed US Bank that we would like to close the account in late XXXX rather than secure a flood insurance policy for over {$1000.00}. 

3. US Bank 's insurance division then put " forced place '' flood insurance on our condo, and billed us for the annual premium of {$1000.00} in XX/XX/XXXX. We spoke to various US Bank divisions and representatives in XXXX and XXXX explaining that we had closed the account and should not be held liable for the flood insurance premium. On one occasion speaking with the insurance division rep, he said that if the account was closed, we indeed wlll not be liable for the premium, but as his system was down, he could not verify tha the HELOC account system was reflecting the account as closed. He said he would notify the HELOC division that we indeed had requested to close the account, and he said he would update our account notes once the system came back up. 

5. We continue to be told by the US Bank HELOC unit that we still owe the {$1000.00} premium. Plus they have not given us an accurate pay-off amount and continue to bill us for nominal accrued interest. Our XX/XX/XXXX statement shows we had an outstanding balance of {$4.00} in XXXX that we remitted {$4.00} XXXX ( check cashed ) and it says we still owe {$4.00}. 

6. We are simply seeking to close our first lien HELOC. US Bank has not been able to do that and they are continuing to bill us even though we paid off the {$4.00} outstanding a, and they continue to tell us we owe the flood insurance premium. 

We are working professionals who own multiple homes and this has taken an inordinate amount of time to simply close our account. We ask you help in closing the account and resolving the annual flood premium liability that was forced on us. We offered to pay a pro-rated amount of the insurance premium to expedite the closure but US Bank could not calculate that and bounced us from one unit to another over a period of two hours today.
Consumer complaint received 2022-05-01
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  Accounts " XXXX credit/XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, and all other hard inquiries that are not associated to any current or pre-existing accounts 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX DEPT OF EDUCATION/XXXX  Account # XXXX XXXX XXXX Account # XXXX 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.
Consumer complaint received 2019-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PNC Bank N.A. (GA)

On XX/XX/2019 I purchased a XXXX XXXX from XXXX XXXX of XXXX XXXX in Georgia. I walked in with a pre-approval from my own personal bank XXXX XXXX XXXX XXXX. I also traded in a car that was paid off that same day with them. I gave the financer at the dealership permission to RUN my credit to see if he could beat my APR rate of 6.29 % from XXXX XXXX with the financing he offered but he could not with a APR of 7.29 % so I told him to just go ahead and use XXXX XXXX XXXX.   The Financer had financed me through PNC without my knowledge and continuously gave me the run around from the beginning about me being financed through XXXX XXXX. I have continuously called, left voicemails, and taken off of work to get this issue resolved with XXXX XXXX before my XXXX XXXX offer expired on the XX/XX/XXXX, and I have yet to receive response. I now am financed through PNC Bank with a higher APR than what I originally got from XXXX XXXX and I believe that I now have a hard hit on my credit report.
Consumer complaint received 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

In around XX/XX/XXXX, I became aware that my identity was stolen in XXXX and there were several fraudulent credit cards opened in my name, including one at Citibank that eventually accumulated a balance of {$13000.00}. When I contacted Citibank about this account in XXXX after obtaining my credit report, I was assured that I would not be responsible for the account. It was removed from my credit reports in XXXX. However, in XX/XX/XXXX, I was informed by mail that the debt was sold to XXXX XXXX XXXX, XXXX. After notifying them by certified mail that the debt was the result of identity theft, the account was promptly re-sold to another debt collector, XXXX XXXX I, XXXX. I again notified the new company by certified mail that the debt was inaccurate, and they responded with a letter stating " we deny any inaccuracy in the information relating to the debt. '' Attached was a statement from XX/XX/XXXX with my name on it, but which I never received since the account does not actually belong to me. After calling Citi customer service 4 times between Friday XX/XX/XXXX and Saturday XX/XX/XXXX, I was told all four times that there was nothing that could be done on their end since they no longer had access to the account, and the representatives either transferred me to the debt collector 's number or gave me that number as " the team '' that I needed to call to get this matter resolved.
Consumer complaint received 2022-10-07
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. (IL)

I have inquiries on my credit report I did not make from ( XXXX ), ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX also have a CLOSED account with XXXX XXXX on my credit report i did not do. The limit is {$500.00} I have filed and attached my ftc report. PLEASE REMOVE THESE INQUIRIES and CLOSED account information now.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MO)

While I was in the process of buying an XXXX XXXX ticket on XX/XX/2020, I was offered a Citi XXXX with a {$250.00} statement credit and 40,000 bonus miles for spending {$2000.00} in 3 months. So I applied, was instantly approved, and the ticket was charged to my new Citi card in the amount of {$310.00}. 


But now ( XX/XX/2020 ) I'm told that the promotional offer is not valid because I had another Citi AA card almost 2 years ago. If that's the rule, I have no problem with that. 


What I have a problem with is Citi making the offer and accepting my application under false pretenses. 


There was no overt or obvious warning during the application process about the 2 year exception to the offer. Furthermore, this could easily be prevented! The application process could simply be connected to their customer records to alert certain applicants that theyre not eligible. 


This is operating in bad faith, and the reason Citi and other banks/lenders have such a well deserved bad reputation. It's predatory lending.
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I XXXX XXXX XXXX XXXX Had request debt verification from LVNV FUNDING LLC in regards a Debt showing in my credit report Original creditor : XXXX XXXX XXXX XXXX {$420.00} I did not received enough information
Consumer complaint received 2021-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have had some very serious issues with my credit file over the past few years and I recently discovered that there are several problems and inaccurate data ( information ) that need correction as soon as possible. Somehow there is 3 different SS on my file, unknown addresses on my file, and so fraudulent account that do not belong to me. My correct spelling of my name is : XXXX XXXX XXXX my SS XXXX my DOB XXXX I have unverified accounts from the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-12-11
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

Bought A Visa Gift Card for {$500.00} on XX/XX/XXXX and another for {$500.00} pm XX/XX/XXXX. I use them as budgeting tools. Registered them to myself and set a pin. Tried using it in retail stores or online and was unable to through neither credit nor debit. Contacted the Company on XX/XX/XXXX. Their call center is in some 3rd world country. I requested replacement gift cards. I was told they would arrive within 7-10 days. It has been over 2 weeks and I have not received the cards nor a tracking number indicating when my cards will get here. 

Case # XXXX
Consumer complaint received 2023-03-06
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-28
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. (FL)

The following companies have appeared on my credit report without me having filed for them. 
XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2021-01-27
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (WA)

We need the payoff. 
We have been calling since XX/XX/XXXX to obtain a payoff to payoff the 2nd loan # XXXX We received the payoff from them for the 1st and paid that off already. 

Payoff request emailed XX/XX/XXXX Payoff request emailed XX/XX/XXXX Talked to XXXX  they said we should have payoff by XX/XX/XXXX called XXXX  on XXXX spooke to XXXX she said i would have the payoff in 5-7 business days. 

called and spoke to XXXX after 30 minutes got disconnected. 

called back spoke to XXXX asked for manager in escalation about payoff after 35 minutes got disconnected.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

I was receiving my Texas unemployment benefits on the reliacard and I had fraudulent charges made on XXXX and they placed a fraud block on my account. Since that date I have moved my unemployment to a different bank and have had no problems. The reliacard services still hasn't removed the block and I have followed their guidelines to verify my identity just the way they requested and not to mention done this more than 5 times. How is it you van send me text about my account you can mail me paperwork on my account and yet when I call to speak with a customer service person and verify the exact info on my account i get told that I need to send it verification yet again. On XXXX i received a text about deposits made to my account and that I could reset my pin thru the automated system but yet never got transferred to do so and in less that 5 minutes later I call back and they tell me that my account t was never unlocked!!! How can you get a deposit on an inactive account? Thats what your bank keeps telling me is my account is inactive so can you explain why this is going on and who's lying your workers the bank or is it you?
Consumer complaint received 2022-05-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am writing to inform you about a most unfortunate grand larceny consumer fraud incident. I am the victim of a recent {$9400.00} Bank of America fraud transaction that I suspect was a Bank of America inside job. Perhaps XXXX coverage can alert others to this scheme and prevent a financial loss similar to what I have suffered. 

Here are the details that I hope you will report. I suspect that many others could be victims of this consumer fraud. Bank of America has NOT taken this issue seriously, treating it as a lunch order gone bad. 

On XX/XX/2022, I received 3 FAKE XXXX texts that looked exactly like the actual B of A XXXX texts previously received. Each text message states that I had transferred money via XXXX at Bank of America. I was startled and alarmed. 
At approximately XXXX p.m. XXXX, I received a call from an actual Bank of America phone number ( XXXX ( XXXX ) XXXX ) on my mobile device. The Bank of America name appeared on my device. 
The criminal claimed to be a Bank of America Fraud Associate who was calling to help me reverse the fraudulent transactions. I believed he was a Bank of America employee. I had no reason not to believe him. 
On XX/XX/XXXX, I realized I was defrauded when I called the Bank of America Business Banking number. The Business Banking associate had no record of the calls from any Bank of America Fraud Department. My heart sank. I was just defrauded {$9400.00} ( likely ) by a Bank of America inside criminal. The money went to XXXX Bank. 
Bank of America Contacted XXXX Bank via electronic messaging requesting funds retrieval. 
XXXX, via electronic messaging, declines to return the money. 
Bank of America calls me and casually states, that XXXX would not return the money and that cant do anymore. 
I contacted Bank of America XXXX, XXXX XXXX, who passed this grand larceny fraud to the Chairmans Escalation Office. They were less than helpful. I sent two additional emails to XXXX XXXX, urging his intervention, that were not acknowledged. 

I urge you to report this story because I suspect that I am NOT the only victim. It was a very well-planned and well-rehearsed act. Also, I suspect that it was an inside job because the criminal knew about my bank accounts and numbers. 

This electronic correspondence between Bank of America Fraud and XXXX indicates a casual approach to what is grand larceny. Why was a more serious attempt not made on my behalf to retrieve the funds? The fact is that {$9400.00} is grand larceny. I expect B of A to take this matter more seriously like it was their own money. 

How many others have been defrauded? How many other financial institutions and customers are affected?
Consumer complaint received 2020-12-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I CALLED WAKEFIELD AND ASSOCIATES AND TOLD THEM THAT MY MEDICAL INSURANCE PAID ALL OF MY BILLS THEY SAID THAT I STILL HAD TO PAY THIER FEES AND I TOLD THEM I CALLED THE HOSPITAL AND ASKED THEM ABOUT THIS BILL THEY TOLD ME THAT IDONT OWE ANYTHING EVERYTHING WAS PAID IN FULL EVEN THE DOCTORS FEE I HAVE XXXX AND XXXX I AM ON XX/XX/XXXXI HAVE HEALTH INSURANCE THEY HAVE CALLED AND TALKED SO HATEFUL TO ME VERY RUDE PEOPLE I DONOT OWE ANYTHING EVERYTHING WAS PAIDED IN FULL ... ... ... ..