davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/XXXX statement USAA POLICY TO BEGIN INVESTIGATIONS USAA POSTS Adjustment Purchases which are internal temporary credits until merchant credits post while investigating TOTAL {$320.00}. ( WHY DID USAA POST TEMPORARY CREDITS OF {$320.00} XX/XX/XXXX IF NO FRAUDULENT ACTIVITY ON THIS ACCOUNT? ) see attatched XX/XX/XXXX statement Adjustment Purchases Temporary Credits TO BEGIN FRAUD INVESTIGATIONS TOTAL {$1.00}, XXXX WHY DID USAA POST THESE TEMPORARY CREDITS? THERE IS NO RESOLVE TO ANY OF THIS FRAUD XX/XX/XXXX & XX/XX/XXXX TOTALING {$2.00}, XXXX. BEGINING INVESTIGATIONS OF FRAUD NEVER RESOLVED.??? WHAT IS RESOLVE OF ALL THESE INVESTIGATIONS BEGUN XX/XX/XXXX & XX/XX/XXXX?? STATUES STATE 2 BILLING PERIODS RESOLVE. Why has there been no documentation OF COMPLETION OF THESE INVESTIGATIONS.?????
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I opened up dispute with credit bureaus last month in XXXX regarding this alleged debt, ,and I was sent a letter with no documentation stating that they have the legal right to come after me for debt. There is no proof I owe this alleged debt and and just a regular computer generated statement is not proof i owe debt. I want this account removed before I take legal action with my Consumer attorney XXXX XXXX, XXXX in XXXX, Florida
Consumer complaint received 2022-06-12
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: SECURITY FINANCE CORP (AL)

This company keeps pulling my credit without my permission every month They pulled on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I only authorized them to pull my credit TWO TIMES. When I first applied for the loan and when I it renewal. 

This is ILLEGAL AND DUE TO THE ILLEGAL TACTICS I WOULD LIKE MY ACCOUNT CLOSED AND MY INFORMATION DELETED FROM YOUR SYSTEM. 

I HAVE SCREENSHOTS FROM ALL CREDIT BUREAUS THEY PULLED FROM! You are PURPOSELY and ILLEGALLY pulling my credit every month with out my authorization.
Consumer complaint received 2020-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (CA)

This is for the Citi AAdvantage Platinum Select Card. 

XX/XX/2020 -- Called to close account. No balance owed. 

XX/XX/2020 -- Receive 1st statement in mail saying I now owed a balance of {$99.00} for card 's annual fee. Called and spoke to a XXXX in Arizona, who confirmed that my {$99.00} balance would be XXXX  out. However, due to Citi switching cards over to a new system, they would not be able to prevent a new card from being mailed to me and couldn't complete the task of closing my account. She said there would be a follow-up call. Never received a call. 

XX/XX/2020 -- Receive 2nd statement saying I owe {$99.00}. Called and waited for 2 hours to talk to XXXX, who said my account was permanently closed and that the {$99.00} would be credited back to my account. 

XX/XX/2020 -- Receive 3rd statement saying I owe {$99.00} by XX/XX/2020. 

XX/XX/2020 -- Submit this complaint due to Citi not closing my account and trying to fraudulently charge me {$99.00}.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX, US DEPT VETS Company Inquiries : XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-02-06
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. (OH)

On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXX I went to increase the card 's limit to {$2500.00} ( Hard inquiry to TransUnion ). 

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to correct this information. 

XXXX and TransUnion promptly confirmed the original opening date and corrected it within their credit reports. Although TransUnion seems to have reverted the correction in the very next report. I am unsure if XXXX has adhered to their correction. 

Now here 's the beef. When I went to file a dispute with XXXX on XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. XXXX, XXXX, and TransUnion have received disputes from me regarding the matter. XXXX and TransUnion seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and XXXX has " Verified '' irrelevant information after two separate disputes were filed. 

I did some digging about XXXX 's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

I settled the debt with this company because they promised they would remove it from my credit i did not owe {$440.00} to XXXX XXXX  XXXX and i explained that over and over again yet it is still on my credit they forced me to pay a debt i never owed with lies and promises
Consumer complaint received 2020-05-25
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. (CA)

I just got notified of your updates. Extreme inaccurate information on continues to report inaccurate information on my credit report. Three credit bureaus reporting different information. How can there be different information on ONE account???? And original date after 30 years of original day of indebtedness changed from XXXX to now XXXX! I NEVER opened a student loan in XXXX let alone for that amount. 
This is NOT a duplicate Complaint!!! This is on response to your lack of accuracy in your recent update on my credit report. Robots are ruining our lives Inaccurate balances, it's closed therefore should not say balance, monthly payment, past due amount, should not be multiple accounts diliquency remarks are wrong. The closed date is wrong from orginal closed date decades ago. And orginal day of debtness from orginal day of debt in XXXX it shown to begin with from orginal information I saw. It keeps changing in the last four months. 

This as shown says 100 % paid student loan of {$27000.00} etc which you should show on your records!! See attached.
Consumer complaint received 2020-05-25
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)

SOMEONE USE MY IDENTITY TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. In addition Transunion, XXXX, and XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since Transunion, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Consumer complaint received 2020-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

Due to the pandemic and financial loss, on XX/XX/XXXX XXXX, I called Shell Point Mortgage @ XXXX XXXX XXXX XXXX XXXX XXXX and spoke with XXXX XXXX, I was approved for a Forbearance covering XXXX, XXXX and XXXX Payments ( XXXX ). On the same date, I received an email confirmation from XXXX XXXX acknowledging the Forbearance was approved and that I would receive a letter within 7 to 10 days. 

I have yet to receive the Forbearance Agreement. I emailed XXXX XXXX again on XX/XX/XXXX XXXX asking does Shell Point Mortgage send something in writing. XXXX XXXX advised me, the letter MIGHT HAVE went to my Bankruptcy Attorney and the check with them. 

I responded to XXXX XXXX and advised her my BK was over 7 years ago and why would Shell Point Mortgage send my Forbearance Agreement to the attorney I have not seen or utilized in the past 7 years. To release my Forbearance Agreement to anyone other than myself is a violation of my privacy information. 

I called Shell Point again on the same date XX/XX/XXXX at XXXX and spoke with a representative, XXXX XXXX , she informed my the only time information is sent to the Bankruptcy Attorney is when there is an active Bankruptcy in play and XXXX incorrectly spoke regarding my Forbearance. 

XXXX further explained the conditions of the Forbearance assuring me each payment would be moved to the end of the mortgage and come XXXX XXXX the mortgage would be current. She did request I set up payments for the escrow portion {$480.00} to avoid an escrow shortage. I set up payments to draft my account on XX/XX/XXXX and XX/XX/XXXX. XXXX also advised me she had no idea as to why the Forbearance was not mailed out to me. She told me she would have it emailed to me or mailed again. 

Here are my issues 1. I have never been able to make payments online via the website, it states my loan does not qualify. What does this mean? During a pandemic I should have the means to make a payment or at least view my account online versus holding on the telephone for in excess of 30 minutes to reach a representative of Shell Point Mortgage 2. I am unable to access my account at all, using the Shell Point link, https : //www.shellpointmtg.com/mortgage-help the screen continues to flicker. 

3. I am entitled to receive the Forbearance Agreement. To date I have not received the information. 

Dealing with the Pandemic and financial loss is stressful and scary and Shell Point Mortgage has only added to my fears and anxiety because I NEED to ENSURE my home is protected for the sake of my family. 

I am coming to Consumer affairs for the 3rd time to ensure all of my issues are addressed in the response from Shell Point Mortgage. 

I DO NOT TRUST this loan servicer based on negative experiences since my loan was serviced released to them. 

When will someone step in and take action against this loan servicer, there are so many complaints against them.
Consumer complaint received 2020-06-03
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc. (TX)

I have been receiving debt collector calls from SYNERPRISE CONSULTING SVS for months now and for a while it was routine to get a phone call every morning around XXXX XXXX. But now I receive calls at random times and I do not answer them so I always receive a 6 second voicemail where nothing is said. Often times when I answer, it is that same silence and then the phone hangs up. They often called every day of the week with sometimes missing a couple or few days in between calls.They also change what number the call from every couple of months.
Consumer complaint received 2020-05-25
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: EQUIFAX, INC. (TX)

XXXX/XXXXDispute XXXX XXXX  XXXXDispute XXXX  XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXXXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute Chapter XXXX bankruptcy dismissedDispute all above are major violations XXXX XXXX didn't remove my public records
Consumer complaint received 2022-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/22, I was contacted by a Citibank robocall telling me that my savings account was overdrawn. I preceded to go to a local Citibank Branch to inquire what had happened. Upon my arrival, XXXX XXXX, a Citibank employee preceded to assist me with my inquiry. Upon reviewing my savings account, it was discovered that all money had been taken from my account. It was discovered that someone had enrolled me in Citibank online bank system without my knowledge nor consent. ( BE ADVISED THAT I HAVE NEVER ENROLLED IN CITIBANK ON_LINE BANKING SYSTEM ) The individual proceeded to write a series of checks addressed to me and deposit them into my account and then withdrew the money that was deposited. Being that I had a balance of over {$40000.00} dollars in my account, it was able to cover the checks that were deposited and Citibank issued the funds to the individual. 

Currently, Citibank Fraud Department is reviewing my case and will contact me in writing with the results of the case. 


This was a classic case of Unauthorized Online Wire Transfers. 
Currently, I have no money to pay my bills and I'm in a dire situation. I hope you can assist me in getting my money back from Citibank. 

Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-06-03
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: SYNCHRONY FINANCIAL (VA)

On XX/XX/XXXX I made a purchase in the amount of {$1300.00} at Sams club. I noticed 10days later that the transaction was not reflecting on my account. I called and spoke to a Lady and she assured me that I would not be responsible for this charge. Today I took a look at my account and realized that I still got the transaction in my credit card.
Consumer complaint received 2020-05-25
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. (NY)

The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-05-26
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. (AL)

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report.
Consumer complaint received 2020-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

My private loans that I had to take out in order to finance going to school at XXXX University were first serviced through XXXX XXXX, and then were transferred to Heartland ECSI. One of my four loans is being paid regularly by myself to XXXX ( a collections agency ). This was not an issue when I had XXXX XXXX. 

For some reason with Heartland ECSI they are taking funds that I've allocated to the accounts ( B, C, D ) that are on my monthly loan statements and giving them to XXXX ( account A ), promoting past principal and interest due in next month 's statement. 

I've tried at least 4 times to have them fix this, and they do so - but it just happens again next statement. Their response every time is that they have things automated, and that a human does not open the paper statement/my check. 

However it is to be resolved, no past due principal/interest should be paid on my behalf as this is a processing issue with the loan servicer.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion refuse to investigate the dispute of the following account as they stated it's not me whom presenting the dispute. Which makes no sense at all. That is a stall tactic ... 

Here is the dispute again : Reference CFPB # XXXX I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, XXXX  and TransUnion and have not receive this information. It has been over 30 days. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX I guess the Assignment of Debt was to much for them to handle ; therefore, if they can provide the Validation of Debt for the listed accounts.