davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

My wife and I opened a Home Equity Line of Credit with XXXX  XXXX NA in XX/XX/XXXX. 

In XX/XX/XXXX, XXXX XXXX sold this HELOC to Rushmore Loan Management. 

Now, I am trying to obtain a copy of the Loan Note from either party ( Rushmore Loan Management or XXXX XXXX NA. ) XXXX insisted they faxed me this document on 4 separate occasions and that they also mailed it to me. To date, I have received no faxes nor any mail. Today, they ( XXXX ) told me over the phone that they do not have the loan note and never received a copy of it from XXXX XXXX XXXX. They offered to contact XXXX XXXX and see if they can get a copy. I am starting to think they are purposefully delaying sending the documents in an attempt to keep me from refinancing. 

XXXX XXXX offers no help whatsoever, only a PO Box that you can write to. Their customer service centers have no information about the loan, nor do they provide any suggestions, other than writing a PO Box in  XXXX, Minnesota. 

I have been working on collecting this information for 3 weeks and have been continually told by XXXX that they had the info and were faxing it over. Today they've changed their story and said they do not have the document I need.
Consumer complaint received 2019-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I have made over 120 payments to qualify for the public service loan forgiveness program. My account has been in " review '' of this for a year!!!! ... without any answers ... with XXXX XXXX.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-29
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: Experian Information Solutions Inc. (VA)

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX   XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-05-27
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 (MD)

I purchased airline ticket online from XXXX XXXX XXXX website on XX/XX/2020 using my Barclays Master Credit Card ending in XXXX. Travel date was XX/XX/20 and XX/XX/20 from Washington DC to XXXX. The flight was cancelled in XXXX due to Covid 19. The airline has not refunded the money or responded after many attempts via phone, email, and online submission. 

I disputed the charge with the Credit Card company in late XXXX, and made repeated attempts in XXXX, XXXX and provided additional information they requested. On XX/XX/XXXX, Barclays card sent me letter saying they are unable to pursue credit since the chip on the card was read and validated, or the card was present and CVV confirmed. 

As I mentioned, it was a online purchase. I demanded Barclays provide evidence of reading the card or physical transaction record. OnXX/XX/20 Barclays sent a letter saying that they are unable to complete my request and that's the end of it.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (GA)

Ok so i recieved a settlement for a work place injury in the form of a check. I took that check and went to a Suntrust bank in XXXX, Ga. Using that check i opened a checking account on XX/XX/2019. I was told that the check would clear and be available by XX/XX/2019. The funds were cleared by the issuing bank on XX/XX/2019. The Suntrust internal policy was the only reason for the delay of my deposit being accessible. Despite this small hiccup i waited as required by Suntrust. However on XX/XX/2019 the bank informed me that the account was being put on a debit hold. After multiple telephone conversations i was referred to the branch manager at the branch i opened the account at. I then visited them to find out why my account was being frozen. I was informed that the Suntrust policy allowed them to close any account at any time for any reason. According to the representatives of the bank i would have to wait 7-10 days for the account to offically be closed. Then i would have to wait 7-10 days for them to issue/mail my remaining balance to me. Well after waiting what i consider a fair amount of time i began to grow concerned about the whereabouts of my funds. I then began to reach out once more to locate the funds that i had deposited. When calling both the normal service 800 number as well as the executive services representative i was told they are not able to tell me where my funds are. No one from the fraud department, and i have left half a dozen messages for the investigator, will return my calls. Ive now waited 37 days total. My funds are still in their possession and No one seems to be able to help me in locating the status of my funds. Adding insult to injury they have only just now sent me a letter via USPS informing me of the account closure dated XX/XX/2019. Which i was locked out of and unable to access the account since XX/XX/2019. They have had ample amount of time to rectify this issue. I have enclosed some of the correspondence between myself and Suntrust, my attempts at contacting both the fraud investigator and the Executive Services rep., as well as letter from my attorney who assisted me with the lawsuit that was ultimately settled. ( your more then welcome to verify anything with Mr. XXXX XXXX of XXXX XXXX XXXX ) They have intentionally dragged their feet in this matter and my time is just as important and valuable to me as im sure their time is to them.
Consumer complaint received 2020-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SLM CORPORATION (NC)

A charge was posted to my credit card account on XX/XX/XXXX in the amount of {$3000.00}. The charge was from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX ( Ph. XXXX ). I first saw the charge on XX/XX/XXXX and called Sallie Mae, the credit card issuer, immediately to dispute it and request a new card. I mailed the dispute form the next day ( sending the dispute form via email or fax were not options Sallie Mae allowed ).  Upon discovering my dispute had been processed and the charge was back on my account I contacted Sallie Mae again on XX/XX/XXXX. I spoke with XXXX, a customer service representative, who stated he would return my call once he had more information. He returned my call that afternoon and stated that Sallie Mae never received my dispute form and that they had received a receipt from the merchant with my name and signature. XXXX also informed me that I could send the dispute form again and to call back when I had done so. The next day ( XX/XX/XXXX ) I sent the letter certified ( tracking # XXXX ), it was delivered to Sallie Mae 's PO Box ( address provided to me by Sallie Mae ) on XX/XX/XXXX and to date it has not been picked up at the post office. I then called back to inform them it had been mailed and asked if I could have a copy of the receipt. I was told at that time that I would only be able to get the receipt from the merchant. I called the merchant and left a detailed voice mail and have called 4 other times. Only once was the phone answered and the merchant immediately hung up on me when I began speaking. To my surprise Sallie Mae sent a copy of the receipt to my email on XX/XX/XXXX. The receipt is attached to this complaint. The receipt was signed by someone else and the signature appears to read " XXXX '' and the last name is not legible. The merchant included a note on the receipt that states, " The customer was in my repair shop to purchase an engine. The purchase was for pick-up only. They ( sic ) customer payed ( sic ) for the engine and took the engine with him at that time. '' Upon receiving this receipt, I contacted Sallie Mae once again and spoke to XXXX who stated that even though it was not my signature, it constituted a legal signature and there was nothing more Sallie Mae could do and that the matter was closed. It should also be noted that I do not own a car as I am currently a student in North Carolina and have been provided a car by my parents. I appreciate your assistance.
Consumer complaint received 2024-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello. 
I have sent numerous disputes to Transunion, XXXX and XXXX in reference to several of my accounts not being reported correct. 
XXXX XXXX  : is a closed account. However, it's still showing a balance. The last activity dates are different, remarks and times late are different on each of the 3 credit reports, months reviewed are different, high balance is only displayed on Transunion, payment history is different on each report. It's also reporting I'm using 165 % of my accounts limit on all three reports. It should be reporting XXXX. 
XXXX XXXX : is closed. However, it's still showing a balance. The last activity dates are reporting on each report, Term source type is different, Status is also reporting different, rating differ on each report, comments and history is different on each report. 
Resurge receivable is closed. However, it's showing a balance. The last activity dates are different on each report. The rating and status categories are different. Last. The account details are displayed different from each of the bureaus. 
XXXX XXXX is reporting different last activity dates varying in years on Transunion and XXXX, status is showing open when the account is closed, credit ratings are different on Transunion and XXXX. 
XXXX : Last activity dates are different on each report, remarks and times reported late are different, months reviewed, and high balances are different, payment history is showing different information on each report. 
XXXX XXXX : This account is only showing on XXXX it's reporting incorrect information, it's closed and showing I'm using 275 % of the account limit. It shows last activity was XXXX of XXXX. This card has been closed over a year. They refuse to properly investigate and remove this incorrect information. Please help me.
Consumer complaint received 2021-10-01
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. (NJ)

I have contacted the CRAs numerous times regarding the inaccuracies on my report. I have filed a complaint with you in the past regarding these accounts not only being inaccurate but not providing documentary evidence. Some of the accounts have been deleted and then returned which means they went against your ruling and re-reported them. Most of the collectors are violating my consumer rights stated in 15 US Code 1692g and 15 US code 1692f. I have copied and pasted the accounts. I have reached out to both creditors and CRAs regarding these accounts for verifiable proof and given only generated responses and no documentary evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

Collection account is showing up twice on Equifax credit report and the collection agency claims there is one account and I need to have Equifax correct it. I disputed the duplicate account and the collection agency verified the account and updated the balance but the duplicate account remained on my credit report.
Consumer complaint received 2019-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

I had some work being done on a condo we own. There was a contact where I gave them a payment at the time I signed the contract of {$1000.00} in XXXX of XXXX on my Citi-XXXX Visa Card. This is where the Merchant got my account number. 

At the time work was to start the Merchant was entitled to a progress payment of {$4100.00} which I made on XX/XX/XXXX. I used a different credit card with XXXX XXXX. 

XX/XX/XXXX was the last time the merchant was at the property. They did not return and the job was not quite 1/2 way. 

There was a condition in the contract that the Merchant would need a payment to continue after the rough plumbing inspection from the city was done. 

This had not be done. At this point they were not owed for work completed On XX/XX/XXXX the merchant charged my Citi-XXXX credit card without my authorization or approval. There were no terms in the contract or any agreement that allowed them to charge my card at will. 

I reported this to the local police and they referred me to my credit company but did write a incident report. 

The Citi Visa first responded with the fraud and reversed the charge.

They later backed off the {$4100.00} charge stating the merchant said it was an " installment sale ''. 

This was not an installment sale. If the merchant continued they would have been due money. The fact here is they were not given my authorization to use this card for further charges. 

The inspection that was supposed to happen before the payment for the merchant to continue was Disapproved meaning the merchant did not get the approval necessary to continue. 

At this point, Citi Visa is telling me that they are not going to reverse the charge this merchant made on my account without asking me. 

There was over 6 months from the time I used this card with this merchant and should not have been able to use this account without getting a new authorization.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Midland Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX ( Attorney for Midland Funding LLC ) to request validation of debts they claim I owe. $ XXXX $ XXXX {$3000.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They failed to provide me with validation, but they did respond to me with a default judgement for alleged account {$1000.00}, and a motion to set aside/vacate the default judgement has been filed and a court date set. And continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.
Consumer complaint received 2019-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (VA)

This is a follow up complaint to CFPB complaint ID XXXX. XXXX continues to report this debt on my credit report despite my repeatedly disputing the debt and explaining why this is not owed. I ask politely for this to be corrected immediately.
Consumer complaint received 2019-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

For the past several years my husband and I have been paying our mortgage through a product called XXXX XXXX. This was a product offered by US Bank. This was introduced to us by our mortgage company US Bank and the mortgage is deducted from our checking account every 2 weeks. The mortgage had been paid on time by XXXX XXXX  until we received a notice  XX/XX/XXXX that our XX/XX/XXXX mortgage had not been paid. I called the Mortgage company USBank to confirm that XXXX XXXX had not paid the mortgage since deductions were taken out of our checking account through XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of {$3500.00}. 
I then called XXXX XXXX and got a company called XXXX XXXX. I spoke to a gentleman named XXXX, ID number XXXX and he told me he could not explain why the payments were not made. His plan was to escalate this concern and that the payment would be sent within 72 hours to US BANK. There was also a late fee we incurred for {$29.00} and he assured me that the company would cover this. I called again in 48 hours and no payment or indication that the payment would be sent. I called USBank again on XX/XX/XXXX ( 5 days later ) and still US BANK had not received payment. Whenever I tried to call the XXXX XXXX program the recording would say that they are now acquired by XXXX XXXX. I then was connected to XXXX XXXX for the 3rd time in 5 days and the individual I spoke with XXXX, ID number XXXX instructed me that it was a glitch in the back office. I was on hold for 27 minutes. When I asked if I could just be refunded my money that had been taken out of our checking account he hung up on me. Prior to asking for my refund he instructed me that the mortgage company would have my money by XX/XX/XXXX. Growing concerned on the XXXX, I went to XXXX XXXX  and requested all deductions from our account be held. I put in claims for the previous XXXX deductions since I never authorized this new company to withdraw the monies. I met with XXXX at XXXX XXXX. I instructed her that an additional withdrawel should be attempted on Friday, XX/XX/XXXX and I did not want this to be deducted. She assured me that it would not be able to be deducted from our account. On Sunday, XX/XX/XXXX, I reviewed my checking account transactions, XXXX XXXX had deducted an additional {$970.00} from our account. When I called XXXX, XXXX the telephone specialist apologized for the inconvenience and recommended we place a complete ACH hold on the account. I did do this and will be closing the account tomorrow am. I am truly concerned about our money and the deceit of XXXX XXXX and its equity acceleration program. Can you help me get my money back which sums to {$4500.00}. I also want others to be aware of this company 's criminal activity
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

Macy 's Department Store Credit Card was opened under my personal information without my knowledge. The information that is reporting on my credit report is inaccurate, and demand that it be deleted.

Please advise.