davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, 2022 paid last payment to XXXX XXXX. I RECIEVED EMAIL CONFIRMING PAYOFF. I DISPUTED WITH BUREAUS IN XXXX... .THEY GOT REPLY ON XX/XX/XXXX A MONTH LATER STATING THE DEBT WAS STILL VALID. WHEN I CALLED XXXX REPS VERIFIED MY PAYOFF. HOW OR WHAT KIND OF PROOF COULD XXXX  SUPPLY INXXXX ON AN ACCOUNT PAID OFF IN XXXX A FULL MONTH BEFORE. CREDIT BUREAU WILL NOT VALIDATE OR INVESTIGATE MY DISPUTE AND TELL ME THAT THEY CANT REMOVE INCORRECT DATA. XXXX HAS TO. THEY DID NO INVESTIGATION OF THEIR OWN. AND RECIEVED NO VALIDATING INFO IN XXXX. THEY JUST TOOK XXXX WORD AND XXXX TOLD ME THEY DIDNT HAVE ENOUGH INFO FROM CREDITOR TO VALIDATE MY DISPUTE. THEY CLOSED DISPUTE... WITH NO VALIDATION OF DEBT AND LEFT ITEM PAID AND CLOYED IN XXXX STILL ON MY CREDIT REPORT AND SAID XX/XX/XXXX XXXX CONFIRMED DEBT... BUT XXXX NOTHING TO VALIDATE DEBT NOR POST XX/XX/XXXX FINAL PAYMENT. CALLED THEM..THEY HAVE NO IDEA WHERE TO TRF ME TOO OR HOW THIS WORKS ... .JUST THAT I HAVE XXXX SAY AND THE COMPANY THAT PAYS THEM HAS ALL THE RIGHTS AND POWER TO REMOVE FALSE DATA ... .THEY CANT DO ANYTHING... .WHEN READ WHt the law says " i dont know... we cant help you... call XXXX ... they put it on ... only they can remove '' im quoting exactly what im told constantl,... so this is a company wide... beaureau wide policy so they can keep charging for reporting even if shown report is wrong. 30 day removal doesnt apply to creditors but let me be 31 days lTe n its on my file... ..NO ONE MONITORS BUREAUS. THEY GET AWAY WITH VIOLATING THE FAIR CREDIT REPORTING ACT HOURLY ... EVERY SECOND... ..CLss action lawsuit is whats needed
Consumer complaint received 2022-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

During my time with Navient which I believe took over Sallie Mae, I was constantly taken in circles from 2002 and on. At one point my loans were consolidated after I agreed because my loan payment was going to be affordable. Which it was not. In addition, during the life of my loans I would call and attempt to get in a payment plan that was affordable to my living situation. I would call asking to be entered into this plan by giving my information and income, I would be quoted a number, they would put my plan in deferment or forbearance, pending my paperwork. I would submit all necessary information and upon time for my payment, it would be most often triple or quadruple what I was quoted. I would call and again ask for help and again the process would start over. Every time period in-between my account is collecting interest. My amount of my current loan is thousands and thousands of dollars more than what I even started with due to this deception. They never had any intention of finding an appropriate plan I feel.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My mortgage is with Fifth Third Bank. My monthly payment is set on autopay for {$1600.00}. I requested to pay an additional {$200.00} per month towards the principle for a total of {$1800.00}. {$1600.00} was autodrafted on XX/XX/22 without the additional payment I requested. On XX/XX/22, I called to follow up on the {$200.00} extra that was supposed to be set up on autodraft as well but was never set up. The rep I spoke to had no explanation on why it wasn't done. On XX/XX/22, {$2800.00} was autodrafted. My husband called to inquire on why the drastic difference and was told that it's to cover our flood insurance. He explained that our HOA covers our flood insurance as we've explained before. They apparently needed a specific documentation as proof and had to reach out to the HOA for it. We were told the difference would be refunded immediately. It was never done. On XX/XX/22, {$2800.00} was autodrafted. My husband called again, same story. There was no explanation on why we weren't refunded for the balance over our usual payment. We were promised it would be refunded and to date that has not been done. We spoke to other representatives today in the insurance, mortgage, and customer service department and there has been no effort to resolve this issue. The customer service representative said she can see the request for the refund and advised to give it until XXXX for the refund but I do not have any confidence that this will be processed. There is no explanation on why the last 2 refund requests were not fulfilled either. My monthly billed amount should go back to {$1600.00} and a total of {$1800.00} should be autodrafted with {$200.00} towards the principle. I do not have any agreement from anyone to see that this change will be made. Nobody seems to be able to provide any kind of follow up. I'm being told to call again then get bounced from department to department. I need the overage charges refunded ASAP and I want my monthly payments to go back to what it was before. I would also like a phone call or email to confirm that this issue is acknowledged and that someone will follow through to see that it is resolved.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

XX/XX/XXXX Received collections letter for {$890.00} from Jefferson Capital Systems LLC from a XXXX account. I called the number on the statement and was asked to verify my name, last 4 of ssn, account number, and address. The only information they could provide was they acquired the acct in XXXX of XXXX and that it was from a XXXX incident in XXXX. 

The same day I called XXXX collections at XXXX. I verified that my account was in good standing with a XXXX balance. I never was sent to collections. 

This is a debt that does not belong to me.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.
Consumer complaint received 2024-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out via email, mail and phone in regards to have my credit profile corrected : updated and Ive yet to get a response Im not able to get a report or can I create and account with any of the credit agencies to monitor my credit
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (NC)

We purchased a mobile home in 1998. It was financed through Green Tree. Then it was bought out by Ditech and now financed through Shellpoint. We have never refinanced this home and never been late on our payments. We have this home for sale and ready to close only to find out from the lawyers that Green Tree the company we originally financed with still has a lien on our title therefore we can not sell our home. We have already purchased and moved into another home with the thought we were closing this week until we found out about this lien. Also Green Tree is no longer in business. We contacted Shellpoint and all they will tell us is they have to investigate and it could be mid XXXX before we find out anything. This should be illegal actions. How do other companies buy out mortgages and the company never remove their name from the title??? This has really putting us in a bind as now our buyers may not be able to purchase our home due to errors with the title.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain account that I had previously disputed. However, I have still the account on my report that is fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few item on my report. According to FCRA section 605b, credit bureaus are required to remove or block any account that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00}
Consumer complaint received 2022-08-01
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. (FL)

I am a victim of Identity theft. This is my official statement about the crime. Contact Information FTC Report Number : XXXX Name : XXXX Middle Name : XXXX Last Name : XXXX First Email : XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX USA Personal Statement Phone : XXXX I went over my credit car bureaus info and I fond that someone had used my personal information to get credit cards and to lease car as well. My personal information was use to open this accounts. 

XXXX XXXXXXXX XXXX  XXXX # XXXX amount : {$600.00} XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX amount : {$2400.00} Accounts Affected by the XXXX XXXX  Auto Loan or Lease Company or Organization : Account Number : Date fraud began : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
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. (PA)

XXXX gave me a credit line without having me apply for it. I logged in one day and there was a credit line for {$10000.00}. So I started spending it and received grossly high bills. When I called them to ask about the fee 's and interest and informed them I never agreed to the terms or even applied for the credit line, they stated I agreed to the terms as soon as I spent the first dollar. I made an honest attempt to repay them until the interest + fees + " other '' exceeded the balance and then threw my hands up and refused to pay it. It was a bottomless pit of hopeless fee 's. 

I received a letter in the mail years ago stating there was a class action suit against XXXX for doing this same thing to other people. I received a check for {$2.00} as a settlement for the suit. 

My limit on the account was {$10000.00} and they reported {$12000.00} and now it's $ XXXX. 

The account # XXXX is the credit line that I never applied for. I'm trying to buy a house and this black mark is really hurting my credit score and I refuse to pay them for this slimy predatory action. Someone suggested filing a complaint with you in hopes you can have it removed.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (MD)

Genesis Card sevices, which I have a account with on another Card Milestone unknowest to me send me a credit card under the name Desitny Credit Card, While I reviewed my credit report on XX/XX/XXXX I saw a balance of {$75.00} from Destiny Credit Card, I call them the same day and reported this to them. They told me I must have applied which I stated I did'nt they said that was a proccessing fee the {$75.00} even if the card has never been recieve or activated, at this time a supervisor came on phone and stated that this matter would be resolved. Upon checking my score XX/XX/XXXX I saw the charge still on my report. I called and talk to a foriegn agent and was told there is nothing that can be done and I have to report fraud, mind you this Desity card has never been activated.Question I ask was how can this be, that am being charge {$75.00} for and card not activated and one I never applied or recieve. Am filing this complaint so that people won't be trap in paying this fee. 
The have all my info due to I have a account with Milestone. Please avenues I have to resolved this matter.
Consumer complaint received 2022-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Hi, I'm trying to report a fraud/scam of XXXX XXXX XXXX XXXX XXXX. I applied to renew my passport this week, and received an email from the XXXX XXXX telling me to contact a phone number in order to complete my application. I called the phone number given to me, and I was told to send them my old passport photo to the XXXX XXXX 's XXXX ( which I later confirmed it's legit ) and I also have to pay {$190.00} as a fee to renew my passport. 

They asked me to pay this amount through XXXX. I asked them if there is a link that I can pay online and they said no. They gave me their XXXX phone number + ( XXXX ) XXXX ( XXXX XXXX ) to send the payment to. I confirmed with them that I sent it, and they said my application is complete. I later found out after talking to my friends and did some research that the fee to renew XXXX XXXX passport should only be {$110.00}. They warned me ( even though late ) that this type of corruption is very common in XXXX, and that if I don't pay them the " extra '' they would delay my renewal process or make it hard for me to renew. I tried to call the XXXX number again but they didn't pick up. 

Basically, they made me pay {$190.00}, {$80.00} more than what I needed to pay to their personal XXXX account, so they can use that to pay for my application and pocket the difference. I doubt I'm the only one that fell for this trick. I contacted WellsFargo, my bank, that I sent money from, but I'm not sure if they could do anything about it. Since the number I called ( XXXX ) was indeed the XXXX XXXX 's phone number, I hope they recorded my calls to show that the employee here overcharged me for my application and they definitely did the same to many other applicants. I respectfully request you investigate in this matter and eliminate this corruption practice. Best.
Consumer complaint received 2022-08-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I paid off my Auto Loan on XX/XX/2022. I received an electronic paid off letter confirming that the loan has been paid off in full. I requested a lien release letter from USAA in order to facilitate me selling my vehicle. USAA will not provide me with a lien release letter stating that because the final payment was made online their policy is to place a ten day hold and not release the lien until ten days after collecting the final payment. My bank account was debited as of XXXX XX/XX/XXXX for the amount quoted in the 14 day pay off letter {$2200.00}, USAA has collected the funds and have been paid in full. Their policy is causing me undue hardship as I am currently unemployed and used the last of my funds to clear the loan, in the hopes of being able to get a release letter to allow me to sell my vehicle.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Credit cards and Auto loans and Checking accounts were open using my personal information i have reported this to all credit bureaus and disputing these open accounts I have a complaint with Trade commission and also going to do a police report I have also made a court request to change my name to avoid anyone having my new information.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

XXXX would like to know whos been making payments on Regarding Employees from XXXX XXXX. XXXX XXXX XXXX has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the Employees oXXXX Social Security Administration and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All XXXX XXXX XXXX XXXX With all due respect, This is a big scam because the non affiliated financial institutions which are XXXX, Experian, and XXXX are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet experian sent an email to XXXX stating congratulations on an XXXX  month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or XXXX Member whos a Man and/or Woman?
Consumer complaint received 2021-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. (CA)

Regarding coinbase.com I have made dozens of purchases as an investment on coinbase. com.. 

Coin base is an investment platform that charges a fee for the purchase and sale of digital currency. They do not have any transparency with regard to the price at which I purchase and there fees for transacting my transacting my purchase. 

I believe they are both charging a fee for each transaction and skimming skimming my profits by it's by reducing reducing the actual number of shares that I purchase I'll be it in the tens or thousands of of cents per share. 

They do not provide any means for me to see the exact number of shares I purchase in any transaction along with the corresponding price per share at that time that the trade is executed. 

By not being transparent in this regard, I feel as though they are shaving my earnings and shares. 

They do not provide any means of means of customer service, only a directory of help topics. Neither telephone nor email support is not available. 

I have no means of obtaining an exact record of my sales and purchases and therefore no means to reconcile whether or not my transactions are executed properly.
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I saw a XXXX post from a verified user offering a XXXX for sale with money going to charity. 
The user and I exchanged messages and I then sent {$540.00} to them from my Bank Of America account using XXXX. 
Later that day I saw on the same users XXXX account that their XXXX had been hacked and everyone had been scammed. 
I immediately called Bank Of America by phone and the agent transferred me to speak with someone from XXXX. 
The person from XXXX said that there was a 50/50 chance that I would get my money back, but I probably wouldn't. And even if I did it would take about 4 months. 
I then used XXXX site to file a complaint with the FBI. And I then contacted XXXX, but as of now, I have not received a reply. 
Today, XX/XX/XXXX, I went to speak to Bank Of America in person and as soon as I said " XXXX '' the person shook their head no and said there was no protection for me and that they don't even recommend using XXXX at all. To me, that was odd considering Bank Of America promotes the use of XXXX. 

So now I'm stuck. I used XXXX to send money to a person they said was verified, using the XXXX service which my bank encourages me to use, and now nobody wants to help me. It's as if the scammers have all the protection and I have none.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

TRUIST Bank Issue : I went to TRUIST BANK XXXX location today to deposit a {$3700.00} check to my fathers account who lives overseas. They told me theres a problem with his account so they couldnt deposit the check or do any type of transaction on their end since there was a problem with his account. I told them I would go to another branch to try and solve the problem, but they said they can not solve your problem either, he needs to come to the bank in person. But meanwhile they already put the deposit stamp on the back of the check. 

I went to XXXX XXXX location to explain this problem and ask for help. XXXX at XXXX XXXX location told me theres NO PROBLEM with my fathers account and she deposited the check immediately without any problems. 

I am wondering why the TRUIST bank XXXX location tellers ( two ladies ) gave me such a hard time and told me that theres a problem with the account. It was very upsetting to have to drive all the way to find another branch. I was expecting the tellers to be more professional and do a better job. 
I will also call XXXX location again ( theyre not answering the phones its only messages ) and try agaib to talk to someone and tell them about the unprofessionalism of the people who work there.