davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX 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 negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2022-02-15
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company above to pull or review my consumer report. Additionally, I have not given XXXX, Experian or XXXX permission to to furnish this information. Having understood this is a violation 15 USC1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

Santander Bank cashier XXXX XXXX at the XXXX XXXX XXXX branch in XXXX XXXX said higher ups told him he could not accept for deposit a United States Postal money order that was a year old. When I explained him that a few weeks earlier I also deposited into my bank account a different United States Postal money order that was a year old, he could not respond. I explained that the United States Postal money orders do not expire and when I asked for a copy in writing of the bank policy that he claims exists in reference to depositing United States Postal money orders, he refused. He then contradictorily stated that the Santander Bank money orders and checks do not have an expiration and are valid for life. However if the bank products money orders and checks are backed by the federal government and are supposedly good for life, why would this bank refused to accept postal money orders which are also backed by the federal government and good for life?
Consumer complaint received 2019-04-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

We paid our mortgage on time each month. In XX/XX/2019 our mortgage was withdrawn {$500.00} more than any prior month, without notice, without statement, without letter. We called mortgage company and thats where horror started. 
They first confused us with wrong account and said theyre surprised our house is not foreclosure etc ... 
then they kept telling us wrong amounts, wrong balances, negative on escrow ... 
We finally received refund for overdraft and we thought all errors are fixed but next statement showed again charging us {$500.00} more than it was authorized or communicated with us. 
Mortgage company said they mailed out escrow analysis but to wrong address? 
Not a single representative was able to explain our balance, charges or escrow. 
We spoke to XXXX, XXXX, XXXX ... last phone call today at XXXX XXXX Eastern time. Previous phone call yesterday at XXXX XXXX  eastern time. We have phone call logs. 
They still dont have our amount accurate and they changed our payments without providing us escrow analysis as we requested multiple times. 

We requested two weeks ago every paper regarding our account, payments and escrow so we can escalate as we already seeked legal help. We are requesting full investigation. They are still not providing it. We continue to hear from different people that is not my department and that takes time. 
All solid lies. Zero trust, zero confidence in them. 

Awful customer support, zero knowledge zero professionalism. We are beyond harassed.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (IL)

This account is through progressive and has been paid off and verified with the company. I disputed this account for the second time to have it removed and they changed the remarks to incorrect and never removed the information. Please verify and remove. The account is old and was paid off long ago.
Consumer complaint received 2021-01-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

This complaint is in regards to not receiving answers to the questions that I had/have surrounding this account ; XXXX This account was transferred to my current servicer ( Rushmore Loan ) in XX/XX/XXXX, from the previous servicer ( XXXX, now known as Community ). At the time of transfer, I was and still am being assisted by a third party that is currently payment my mortgage ; XXXX XXXX  of Illinois. What I believe that has happened is that XXXX participated in fraudulent activity ( withholding funding to escrow to forward to my new servicer ). 

These actions placed the account as a deficit which has increased my mortgage payments from {$650.00} to {$950.00}. I have tried repeatedly to have answers on how to bring the account to the point where the payments are back at {$650.00}, I have not received any options at this point. There is absolutely no way that I will be able to afford the new amount of {$950.00}, and I have said this repeatedly. I have withdrawn the mortgage insurance, it will no longer be escrowed. I was told that it couldn't be done, due to the recent modification. However, no documentation was provided to confirm that statement. 

A second mortgage in the amount in {$5600.00} that is due in XXXX is currently being reported on my credit reports. I inquired as to why this was happening, and again, no answers. 

My final payment with XXXX XXXX  will be XX/XX/XXXX. At that point, I will be left to deal with Rushmore Loan Servicing alone. I need resolution, immediately. This situation is a complete nightmare, it almost appears as though Rushmore wants a delinquent account for submit for Foreclosure. 

Also, my account is with the Loss Mitigation Department and I do not know why. No one has informed me of anything.
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding XXXX. XXXX  XXXX XXXX, SC XXXX Date : XX/XX/XXXX Re : Account Number:XXXX This letter is in response to your credit report entry on XX/XX/XXXX related to the debt referenced above. Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. Nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I have disputed this account for three years, I have requested proof of debt a sign contract regarding this card belongs to me with the date of the contract. LVNV Funding LLC has been unable to provide a sign contract to me. I have received multiply times a copy of a statement from XXXX XXXX dated XX/XX/XXXX. This statement is not proof of debt. ( Please send sign contract ) I have contacted your location and been advised that LVNV is not the owners of this account. Due to not getting the credit record removed, I will have to report this account to the XXXX  XXXX XXXX XXXX as fraud as well to all reporting agencies. Further reporting of this account on my credit file will lead to legal action. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I am request full verification of this debt and ownership of account along with the transaction report of how much LVNV bought this account for.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Recently, I checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX # XXXX, 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 2019-04-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In XXXX, I was a victim of identity theft and as a result credit cards were opened and non-authorized charges were made. I filed a Police Report on XX/XX/XXXX with the XXXX XXXX Police Department in Florida. 
Since then, Portfolio Recovery purchased two debts that were charged off because XXXX XXXX XXXX XXXX did not process the identity theft documents I send to them at that time in XXXX. I disputed the two accounts in XXXX and again in XXXX, XXXX and XXXX of XXXX. I filed a FTC Identity Theft report and also completed ( Portfolio Recovery 's ) their in house ID Theft affidavit. The correspondence that is attached from this month is stating that they are not removing it and will cease to investigate the account and the other is stating that I did not send any additional relevant information. 
In summary, they are continuing to collect on accounts created in fraud and have ignored my repeated requests to have these accounts closed. I even attached a letter from XXXX XXXX  where they have acknowledged that I made a claim for identity theft. 
I have provided all of the documentation and reports for Portfolio Recovery to remove these two accounts and stop collection, however they are still considering these as verified debts. They bought these two accounts from the original lenders and have no history or way to prove their position. At this time, they are breaking the law and so are the credit bureau who have been informed of this situation.
Consumer complaint received 2020-10-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc. (NV)

This is formally the third time I report this company. 
I have everything documented and I expect that you take this in a professional matter and with competency that your agency should have. 
I do understand you are not a lawyer yet eveything is documented and clear and apparently is not being investigate properly. 
The company is Comenity Capital Bank XXXX XXXX XXXX XXXX TEXAS XXXX I made muliple occasions and documented all the attempts I have done online and other phone to MAKE MY LAST PAYMENT TO AVOID DEALING WITH THEM ANY LONGER. 1 ) THEY KEEP ACCEPTING MY BANK ACCOUNT INFORMATION, TELLING ME THAT THE LAST PAYMENT WAS GOOD 2 ) SENT ME CERO BALANCE LETTER 3 ) SENT ME CLOSED ACCOUNT KETTER 4 ) I GIVEN THEM TWO OF MY BANK ACCOUNT TO PULL THE
MONEY.

5 ) THEY JUST SENT AN ESTATEMENT THAT ADDED INTEREST AND LATE PAYMEMT FEES AFTER TELLING ME ALL WAS OK.

6 ) PLEASE REFER TO ALL MY OTHER DOCUMENTS WHERE I REPORTED THEM TO YOU BY DOING THE SAME FRAUDULENT MOVE : NO COLLECTING THE MONEY TO KEEP COLLECTING FROM ME LATE FEES AND ADD INTERS.

7 ) Despite all the email exchange though the secure website, the documents they sent reassuring me that account was closed and " XXXX  balance. Numerous phone calls and speking to the Supervisors YET AGAIN THEIR ACTIONS ARE OPENLY INTENDED TO MANIPULATE FRAUDULENTLY THE SYSTEM TO KEEP COLLECTING EXTRA MONEY.

8 ) I CALLED MY TWO BANKS TO MAKE SURE IF THEY EVEN TRY TO COLLECT OR IF THERE WAS A PROBLEM AND THEY TOLD ME THEY DID NOT ATTEMPT TO COLLECT NOR THERE WAS A PROBLEM WITH THE ACCOUNTS.
Consumer complaint received 2020-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I submitted a dispute on XX/XX/2020 for an issue I was having with an order made through XXXX which still had not been completed at the time. I mailed and faxed this and did receive a receipt. On XX/XX/2020 Bank of America requested additional details regarding the transaction. In which I again reiterated that I was disputing the charge in full as I had ordered a closet installation and provided the dates in which I reached out to them and confirmed what the issue at hand was. Bank of America requested no other information from me but on XX/XX/XXXX, stated my claim was denied because I did not provide the amount that was being disputed, what it was for, or my attempts to resolve. However, all of that was both faxed and physically mailed to them. First on XX/XX/XXXX when I filed the dispute and on XX/XX/XXXX. There was no reason the dispute should have been closed and this charge billed back to me and oddly enough they opted to do so right on the closing date of the billing period so that they could tack on additional interest, then again, all of the details they said were not provided - were provided and after my submission on XX/XX/XXXX there was no contact from Bank of America stating that details provided were not enough or requesting clarification. It was simply closed for no reason. It is predatory and entirely incorrect because again, the details they asked for were previously provided twice and they never reached out to me stating otherwise.
Consumer complaint received 2020-11-01
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: LEXISNEXIS (MD)

I submitted my request to Lexis nexis to provide me with a copy of my consumer report in XX/XX/XXXX. I received a letter with instructions on how to retrieve the report online, but that didn't work. I contacted them by email around XX/XX/XXXX. Address a few days they, ask me to call their customer service line. So a little over a week ago, I call their customer service line and request a new link to access my report. I still haven't received it.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$91000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$86000.00}
Consumer complaint received 2022-02-15
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. (MD)

I have included in this complaint a photocopy of the account in question. XXXX is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.
Consumer complaint received 2022-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

It was around XXXX on XX/XX/XXXX while sitting down at my houses table that I decided to check my account balance at the wells Fargo app when i noticed there was a wire transaction that was just made the day before XX/XX/XXXX for the amount of {$40000.00} dollars, I got really confused i asked my husband if he made that transaction he said no I said me neither so we decided to call wells Fargo customer service to find out what happen they told us basically the transaction was made in person and there was nothing they could do over the phone that we had to file a claim in person at a branch. Next day XX/XX/XXXX we went to a branch to file a claim we stood there for about 3 hours they said they were going to make a recall on that money that day which they didn't we found out on XX/XX/XXXX when we went back to the bank they barely did the first attempt on XX/XX/XXXX which isn't right they said wait after the recall 10 days if no answer from the recipient bank they were going to transfer the case to the fraud dept It is been over 2 weeks now and all i heard from them is that they were not going to take responsibility over that money basically If I saved my money there is because i thought it was going to be ok not to find out some one in VA was going to impersonate me to still my money that easy I live in CO how can that be possible at a bank and why they do not want to respond when they allowed someone without nothing but a phone and a PIN number and obviously a fake ID to make a transaction for that amount of money in a state VA which I haven't been when they can see all the transactions are made in CO and for that much money. I went to the sheriffs dept to start a case I hope they are working on it because it is been a really hard last 2 weeks just thinking about that getting no good news from the bank that they do not want to give me back my hard earned money because I firmly believed it is 100 % they're fault for allowing someone to make such a wire transaction that easy I would like to get a lawyer but they said it is hard to fight banks and plus i have no money to afford one I really hope you guys can help me because it is really hard mentally and economically I've been mentally harmed damaged by all of this that ai really hope you guys can help me out with this and help me get some kind of psychologist help or some because by listening to the bank not wanting to give the money back is hard on me and my family even though it is 100 % they're responsibility
Consumer complaint received 2022-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

Consumer Protection Financial Bureau old case number XXXX. I'm filing a new complaint against Citi bank because back in XX/XX/2022 my account was blocked after my last transaction which was a wire transfer {$2200.00} and a fee of {$25.00} totaling {$2200.00} was pending on the recipient end had not gone through and was told by Citi bank agent in a phone conversation it will be blocked and probably won't go through. Before the transfer I had {$2000.00} plus United States dollars in the checking account, with the wire transfer being blocked it should bring my account balance back up to {$5000.00} plus United States dollars. When Citibank blocked all services pertaining to my personal checking, savings account, wire transfers, online services and the ATM. I XXXX is my nickname have contacted the Citi Bank several times during the Grace period Given to me by them and was told by Citi bank agents they'll be sending me a letter and a refund of my remaining balance XXXX to 60 days. In which I XXXX haven't received. Since Citibank discontinued banking relations with me, I had proceeded to call and get an explanation on the closure and why I haven't received my letter and the check of the {$5000.00} to almost {$6000.00} United States dollars. But Citi bank refused to provide any answers and told me to ignore any emails or messages and would hang up in my face. Clearly I still receive text messages. Another deep seated concern Citi bank has overdrawn the checking account with old transactions after permanently blocking me, XXXX out of all banking services. Citi bank has Embezzled My Money and Fraudulently overdrawn the checking account for No Apparent reason.