davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (PA)

My loan was transferred to Specialized loan Servicing in XX/XX/XXXX XXXX. from XXXX XXXX . SLS was to start accepting payments after XX/XX/XXXX XXXX XXXX approved me for a Flex Modification trial plan XX/XX/XXXX Payments were to begin XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. After the transfer SLS would not honor the trial flex modification. XX/XX/XXXX i traveled to XXXX for my brothers wedding. I did not return to the states until XX/XX/XXXX. A modification was mailed to my home. A relative who was checking on my house while i was away mailed the packet to me. The modification was dated XX/XX/XXXX. I wanted to accept but i had difficulty getting to the US embassy in time to get in notarized. I did call SLS to explain my situation. However SLS was unwilling to extend the deadline. When i came back to the states i saw a HUD housing counselor. A financial packet was sent to SLS on XX/XX/XXXX via usps 2-3 mail. That modification request was denied because SLS states that a trial plan was previously offered and failed. I never had a trial plan with SLS
Consumer complaint received 2022-06-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Mcburberod Financial, Inc. d/b/a SeedFi (OH)

Seedfi has a savings product and a credit builder product. I decided to close both. XXXX is the only way to contact them and they never respond. Theyve locked my balance, and I want to close all my accounts with them and get my money back.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Hello, I took out a Private student loan with XXXX ( XXXX  XXXX XXXX ) in XXXX. I was attending XXXX XXXX XXXX. I did not complete the degree at that school. However, there was a KIT ( keep in touch payment ) which was {$10.00} a month. As a XXXX  mother at that time, I was XXXX  and could not even afford to pay it. After some time went pass for not making the payments, it was sent to collections. The tricky part about the collection agency reporting is that it is not reported under the collection agency, but still under ( XXXX ). So although I had to call XXXX per credit report, I would only be redirected to a collection agency. The first one was called XXXX XXXX and now the second is the XXXX XXXX. 

My first Complaint : There is a 2nd duplicate account opened under the same company ( XXXX ), it was opened in XXXX and closed quickly ( Unknown reasons never given ). I asked for this to be deleted because there is an original account with the same information still active. I have tried numerous times with no success in them deleting it and no explanation why a duplicate account was made when the original account was still active. 

My 2nd Compliant : After occurring all the late payments adding up ( {$50.00} ) it was over {$1500.00} and I owed only around {$3000.00}. Although I made the payments sometimes, it never helped my credit, it still said late ( because the amount I owed was more than I was paying ). I decided to pay it all off and in hopes would have it closed and deleted because it is 7 years old ( and is considered a personal, private loan ). I tried to have it closed and deleted, but yet they will not delete it from my credit report. It was opened in XX/XX/XXXX and it is now XX/XX/XXXX. By Georgia Law, I thought that personal/private loans are only given 6 years to pursue it, and It is all paid now. So I see no reason why this is so hard for them. It would help my credit so much if they would delete the 7-year payment history and delete the account.

I have a hard time communicating with them because although they are on the credit report as if they are the on reporting it, they actually are not and it's a collection agency. So I am always going back and forth from them to collections, to my credit reporting companies. I really need help, it seems no one is listening or cares on this matter. As a Single mother, I am ready to start new and really need this.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MN)

I received a letter concerning a debt with XXXX usa . This account was previously sent to another collection agency to which the debt was disputed as well. Now, the disputed debt has been reported to this agency who is also trying to collect. I have requested validation of the debt as required by law and it has not been received. Additionally this debt has now been credit reported despite the written request for validation, and does not report as in dispute in violation of law. The letter that was sent dated XXXX requesting the validation is attached.
Consumer complaint received 2021-11-02
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-27
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: ENCORE CAPITAL GROUP INC. (PA)

Im not sure what happened all I know is this account automatically went into collections it never appeared on my regular account information and or credit report as a positive account in good standing because it isnt mine, before it was in collections which lead me to trying to dispute it, I tried with XXXX & XXXX XXXX the company keeps denying it and replying back that my information on the account is accurate. Which leads me to think I am being set up for fraud since the balance on the account is so high and my bank information isnt on this account nor was I received a card for midland Credit management. I shouldnt have this on my collections for 7 plus years if I never have done anything to put it there.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I went to the Bank of America branch in XXXX, New Jersey and told the teller that if possible I would like to take out XXXX XXXX dollars ( {$400.00} ). She said okay and gave me XXXX XXXX dollars ( {$400.00} ) in 4 {$100.00} bills.

Today I checked online with my Bank of America account only to be shocked that it shows a negative amount in excess of {$400.00}, including 3 {$35.00} overdraft charges!

Two major problems : One, the teller did not review my account before withdrawing the said {$400.00}!

Two, arrangement have repeatedly been made with the Bank of America for overdraft privileges against my credit card yet again I am being charged overdraft fees!

Three, the total amount here is {$500.00} which the Bank of America improperly and illegal and fraudulently took from my account. OUTRAGEOUS! 

XXXX XXXX XXXX, XXXX XXXX 
XXXX XXXX XXXX  ( ret ) pro se PS : I am prepared to file a complaint in a Federal court of law!
Consumer complaint received 2021-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX. The Federal Trade Commission recently took action against a XXXX XXXXXXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX 
I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL " CRA '' FAIL TO SEND UPDATD REPORT AND RAPID RESCORE REQUESTED ON ABOUT XXXXTRANSUNION FILE # XXXX ( XX/XX/21 ) AND NEVER RECEIVED ANY CREDIT REPORTS TO HOME ADDRESS STATED ON FILE
Consumer complaint received 2021-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello, Due to the pandemic I was recently under a forbearance of my mortgage payments. According to the CARES Act, Pub. L. 116-136. this should not be reported to credit agencies. Despite the law my lender - XXXX  XXXX  XXXX  reported it to all 3 credit agencies. 

On XX/XX/2021 I have called the lender, asking to remove the record from my report, but they said I have to file a dispute with XXXX XXXX XXXX. I have called XXXX and they said that they dont initiate any disputes. This is also a clear violation, as they have an online system and an entire department that must take care of disputes. 

This bad record is preventing me from getting an additional loan or a mortgage, as my application was already rejected by a couple of lenders. Please help me to get my reports cleared, as required by the US law. 

Supporting documents : 1. Please find attached my credit report from XXXX, dated XX/XX/2021. 
2. Also, please see attached the relevant reference to the CFPBs clarification of CARES Act. 
3. Please refer to the CFPB website : https : XXXX Thank you, XXXX XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (SC)

I closed my account from Truist in XX/XX/year> in person at the branch near me because they were unable to offer a car loan and I did not want to do business with them. I withdrew all of the money and signed the forms with the branch manager. We destroyed my debit card at that time and I thought that the account was properly closed. In XXXXXXXX XXXX XXXX, I started to receive automated phone calls and then a letter stating that my account was still active. The letter read that my account was now overdrawn and being closed with a {$30.00} charge off fee by Truist. There is no possible way for the account to be overdrawn because I destroyed the debit card at the bank with the bank manager when I closed the account. I called the number listed on the action letter for resolution and was told that the XXXX Department does not communicate with the branches. I explained that I closed the account in person and had not made any purchases in 3 months and the representative, XXXX, was unwilling to review the account usage or find any further information to help resolve the issue. I asked for her contact number that is assigned to all debt collectors and she would not give it to me. I asked to speak with a supervisor and she stated that it takes 24-48 hours for one to call me back. I told her that I did not want a bank closure and charge off on my credit report. I also asked for the accounting of the remaining {$23.00} they were also trying to charge me with. XXXX refused to give the information. All the while I was on the phone with her, I kept telling her that I could hear the other call center workers discussing the personal information of other customers. As of now, Truist refuses to remove the charge off and is illegally trying to recapture monies from me and report undue negative ratings to my credit report for an account that was in excellent standing and closed in person.
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (TN)

Regions Bank ( account initially opened in XXXX, TN ) has been charging my account a monthly fee of {$5.00} for account access for a 3rd party. I have several emails going back and forth trying to resolve the issue, and have been told it's resolved... only to have the charges continue to show up and Regions Bank continue to charge me the monthly fee ( which I believe will now go up to {$8.00} per month instead of the {$5.00} they have been stealing each month ). Their excuse each time is usually something like, " Well, this is online banking 's error ... '' I have several emails from the bank manager and her rep that I can supply as supporting documents. This is THEFT.
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

inqiry from the following companies I did not authorize. I was not trying to purchase anything. 

XXXX XXXX date of inquiry XX/XX/2022 XX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX XXXX XX/XX/2022 XX/XX/2022 the above inquiries were never authorized i was not purchasing anything and i reached out to all the companies and noone had any information or credit apps from me. 

i want these removed .asap
Consumer complaint received 2021-11-02
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. (TX)

PER THE FCRA 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 

During the process of reviewing my credit reports I have come across some discrepancies in regards to 2 XXXX XXXX XXXXcounts you are reporting as accurate. The account number is different across all 3 credit bureaus, the date opened is different, high credit limit is not consistent, past due amounts are reporting different, date of last active and date of last payment are all not accurately reporting! I sent this letter out to you all XX/XX/XXXX certified mail I have also been disputing this account for the past FOUR months are all three bureaus continue to come back " verified '' with all different information. Being that this violates FCRA requirements please delete these XXXX XXXX  accounts ASAP. Other letters that I have sent in regards to this account is two verification letters, method of verification and factual disputing. There is no way possible that THREE credit reporting agencies that are suppose to thoroughly investigate accounts still come up with different information! ONE ACCOUNT FURNISHED BY THE SAME FURNISHER SHOULD DISPLAY DIFFERENT INFORMATION! I would like to remind you of XXXX XXXX EXPERIAN INFORMATION SOLUTIONS, XXXX. ( XXXX ). These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer instead just took the debt collectorXXXX word.
Consumer complaint received 2021-11-02
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: WELLS FARGO & COMPANY (VA)

On XX/XX/2021. A transaction was fraudulently made on my Wells Fargo Account by a scammer. The scammer wire transferred {$14000.00} from my credit cards and my checking account ( all of my money ) from my Wells Fargo. The bank is telling me it's my fault although I called them first to report fraud and close my account. The morning of XX/XX/XXXX, I called the number on the back of my Wells Fargo Credit card to report a charge and they were supposed to close my account. On the same day around noon, the scammer called from the same number and scammed me.. my bank has given up on me and is saying it's my fault. I now have to pay high interest on my card because they will not refund my money back to me. I don't know what to do anymore. Wells Fargo is the worst bank to bank with, they have emotionally damaged me with this experience and I feel very helpless.
Consumer complaint received 2022-08-21
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. (SC)

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX a payment of {$710.00} was made to my Santander overdraft account. The amount paid was based on the balance reflected on my Santander mobile application. Once payment was made a XXXX balance was reflected and debt was satisfied. On XX/XX/XXXX I was made aware that a {$24.00} interest charge was accrued in XXXX that was not clearly reflected on my mobile application and mistakenly overlooked. I was made aware of the delinquent charge when I received a late notice in the mail and the interest along with late fee totaling {$44.00} was immediately paid. With 95 % of my bills paid online I heavily rely on my mobile applications to validate balance owed. In addition, after struggling with financial challenges during the pandemic I have worked diligently to keep my overdraft account at XXXX and only use the account as a fallback when funds are delayed being transferred between accounts and always monitor balance owed. If I was aware of the outstanding debt payment would have been made immediately.
Consumer complaint received 2022-06-27
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. (IL)

Reporting Trans Union, XXXX and XXXX about not receiving verification of inquiries on credit report! According to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items. MUST BE REMOVED!
Consumer complaint received 2021-11-02
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

I purchased a XXXX  XXXX XXXX in XX/XX/XXXX. I have ben up-to-date with all of my payments. Toyota recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were two payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted Toyota Financial Services to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and XXXX. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with Toyota, XXXX and XXXX. Please help.
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC (LA)

XXXX car sales took a loan out for a car purchase. I DIDN'T KNOW THAT I GOT A LOAN FOR THE CAR! NEVER GOT A CAR EITHER! 
XXXX then proceeded to accuse me off damages from a rental car I rented on a different occasion. This was all turned to the credit bureaus effecting my credit score. Also I got turned over to collections to add to it. I am owed for refunds that the damage recovery unit is not working on. XXXX from renting any longer ...... 
Credit is not good I CANT GET A CAR STILL A YEAR AND A HALF LATER. I AM DEMANDING THESE COMPANIES TO HAND OVER COMPINSATION!! I have no idea to do about my son and I getting a house. Not sure what to do about us another car!!! Please help me and my son back to the life of " normalcy ''. I don't have credit worth amounting to dirt. 
XXXX XXXX XXXXs continuing to do a loan appiin my name because I get denied letters often.