davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

I was a victim of Identity Theft and placed freezes on all three credit reporting agencies. Equifax was the only company I had difficulty with, when attempting to remove the freeze so I can refinance my mortgage. 

When I called to remove the freeze, I had my code ready to key it in and prove my identity which is what the letter noted I had to do. I did not make it past the four questions. So I waited and was connected with XXXX in the XXXX. He would not tell me why I could not remove the freeze. To make this situation worse, I had difficulty understanding XXXX due to his accent. After a very long and difficult conversation, I sent in copies of six documents proving my identity - Drivers license, Social Security Card, legal paperwork showing my name change back in 2010, the letter confirming the initial freeze, and a XXXX bill. The documents were sent certified mail so I had a confirmation of receipt. 

When I called five days after the receipt of the documents, navigating the phone system to speak with an employee proved difficult, I had to call three times. Once I was connected, the person was difficult to understand. I had her repeat her words multiple times. I think her name was XXXX. She did not show the documents were received and asked for an Equifax confirmation number. I explained I sent the documents via mail and did not have an Equifax confirmation number. 

Please note I sent in my legal name change paperwork after my divorce in 2010 and my name is still not updated. There is a note on my credit report that specifically states I was divorced and changed my name. 

What I need is the freeze removed permanently and my legal name changed on my credit report to XXXX XXXX XXXX.
Consumer complaint received 2019-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NC)

Citibank uses fraudulent techniques to induce customers to sign up for " Priority '' banking packages. 

One of the " perks '' listed is to be able to deposit checks via ATMs. 

Go to : https : //online.citi.com/US/ag/citibank-location-finder There is a specific filter for " Check Deposit ATMs '' There are NO " Check Deposit ATMs '' in the United States XXXX 

So either Citi has a tech bug or they are breaking the law. I contacted the executive office with this concern and after weeks of effort all I got was a " thank you for your feedback '' cut and paste without addressing the issue. My follow ups via encrypted e-mail, which Citi forces you to use, have gone unanswered. My e-mail to the VP of Customer Complaints went unanswered. 

Citi has not offered any solutions to my problems. Currently, my only option is to deposit checks of a certain value by mail. For an " Internet banking product '' this is completely unacceptable.
Consumer complaint received 2019-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

None of these Hard Inquiries were done by me, why are they on my credit report:|TRANSUNION| |HARD INQUIRES:|XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX-XXXX  XX/XX/XXXXXXXX-XXXX   XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  XX/XX/XXXX|
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is committing harm against me by claiming accounts have been verified yet they are still reporting inaccurately. The accounts for XXXX XXXX XXXX and XXXX XXXX XXXX are reporting as collection accounts that are open. An account can not be open in collections. TRANSUNION claims they verified these accounts so clearly they are lying and never investigated properly. Congress says these such accounts must be deleted immediately.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA (FL)

i allege on XX/XX/2019 Marcus by Goldman claimed to open a {$10000.00} savings account for me confirming with an email of the same date. However, for reasons within Marcus 's enrollment system my funds went missing for more than 16 days before after constant contact and follow up communication Marcus did nothing to assist me with the location and opening of my account for over 16 days.

I am filling this complaint as a matter of right, because I feel they ( Marcus ) disregarded my rights as a on-line depositor and they breached their fiduciary duty to inform me of the status of my {$10000.00} deposit which was lost or un locate-able for over 16 days despite my insistent contact with them to determine the whereabouts of my funds they claimed by email that they had received and opened my account. 

They refused to extend any customer service to me in my request for a reasonable accommodation since they both lost my deposit and subsequently failed to perform their fiduciary duty to alert me of the status of my funds and further failed to assist with the location of those lost funds for over 16 days despite my consistent contact requesting assistance in their location. 

I had to expend an exorbitant amount of time and phone calls and wait time, and drafting letters which took me away from other pressing matters. They never attempted to compensate of provide me with a courtesy with my account nor compensate me for my time and efforts to locate and recover my {$10000.00} deposit. 

Be on the look out for my fax in the next couple of days of three letters, two invoices and most of all my reasons for filing a detailed 7 page complaint.

Please assign me a case number in order that I may follow up with the status of my complaint.
Consumer complaint received 2019-08-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We had a mortgage with Bank of America then it was sold to XXXX XXXX XXXX. At this time my husband was very ill with XXXX XXXX and wasn't able to work. He went on Social Security/XXXX and we were given a modification. We were told at the time that our interest rate would be 2 % as part of a government program. Then the loan was sold again and the interest rate went to 4 %. We couldn't afford the 4 % or the new loan amount they gave us. My husband was still on XXXX. He kept corresponding with the bank until we had a court hearing in XX/XX/XXXX. During that hearing we once again told the lawyer for the bank that we couldn't afford what they were proposing and we were still on a trial payment plan with them. They wanted to proceed with foreclosure at that hearing but instead filed a Voluntary Stipulation of Dismissal. My husband was handling the paperwork but he died while in the hospital on XX/XX/XXXX. I am now trying to get this all sorted out as I want to keep my house. The last statement I could find from The XXXX XXXX XXXX XXXX XXXX was for XX/XX/XXXX. Again, we have not been to court since XX/XX/XXXX, nor have I received an eviction notice. This past week I received a letter from a realtor saying we have to give her the keys. I did receive a letter from the banks attorney titled Section 3 Notice for Posting and Delivery. 
I need help sorting this out and when I do review the bank statements from XX/XX/XXXX, to try and figure out what is owed they are all different amounts but one this for sure is the mortgage interest is astronomical. Please see all scanned in letters that my husband wrote to the Bank. You will see that he was doing what t
Consumer complaint received 2019-07-24
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (GA)

I have sent letters to the Credit Bureaus and Navient XX/XX/2019, and XX/XX/2019 trying to get some clarity on this account. I the amount they are saying I own and to this company is incorrect, yet they have not sent me the original signed contract because I have never agreed to pay Navient or never had a contract with them at all. They continue to report negative and late payments to my credit when I communicated to the the documents that I requested to see. I feel like this is a violation of my right as a consumer.
Consumer complaint received 2019-08-20
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. (CA)

TransUnion In the results of their FOUR investigation of MY FOUR Disputed Accounts and subsequent re investigation,  stated in writing that they have “verified” that these items are being “reported correctly” ?   Who has verified these accounts?   They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as required under Section 609 (a)(1)(A)  &  Section 611 (a)(1)(A).  Furthermore They have failed to provide the method of verification as required under Section 611 (a) (7).   Please be advised that under Section 611 (5)(A) of the FCRA – They are required to “…promptly DELETE all information which cannot be verified.”  The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-08-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery stated I owe them XXXX and the original company is XXXX XXXX XXXX XXXX. They stated I opened this account on XX/XX/XXXX but at this time I was incarcerated and there is no way I could have open this account. I do not have a sign contract nor do I have any contract with Portfolio Recovery nor do I owe XXXX XXXX XXXX. I have never did business with these companies. I am not liable for this collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery.
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

Hi,I recently discovered that my bank, USAA placed a hold on all of my checking accounts for varying amounts of money due to the fact that the state of Virginia placed a incorrect funds hold. The state of Virginia believed that I owed back taxes for 2015 but they were incorrect because I did not live in Virginia in 2015 then or now. I was required to fax my tax documents to the state of Virginia in order for them to removed the hold on my accounts. Once, the hold was removed, I discovered my bank USAA had charged me XXXX fee for legal services rendered. I feel this is an unfair and unjust charge as I did not owe back taxes to the state of Virginia, therefore, should not owe XXXX. I disputed the charge with no success because they stated its their policy and will not budge under any circumstances.This fee seems more like a scam between banks and the state. The state falsely places a hold on someone’s account and when rightfully disputed, they release the funds but the bank unfairly profits. This scam could have attacked hundreds to thousands of people creating a significant source of income for a bank. How a bank can justify its use in fees in beyond me in this case.Is there any legality to these ‘legal fees’? Is there any process that I can take on to get this investigated in an official capacity? What is my recourse for this?I appreciate any help that you can give at this time.Thanks,XXXX XXXX
Consumer complaint received 2023-09-22
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. (TX)

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2019, I notice 5 charges that was not authorized by me and that bank of America did not pick up,  I immediate lock my credit card and dispute the charges that were done in South Carolina, Florida and Georgia .  I call them and it has been more than 10 business days and they have not credited my account.  The fraudulent charges continue and I was issue another card.  However 10 business days has passed, XX/XX/2019 they still refuse to credit my account.Disputed charges XX/XX/2019     XXXX XXXX in South Carolina: XXXX      XXXX XXXX XXXX in South Carolina XXXX XX/XX/2019: 2 charges from XXXX of XXXX                                          XXXX XXXX  XXXX: XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2019-08-20
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. (AL)

XX/XX/XXXX, XXXX purchased two of my student loans.  I was in deferment at the time.  In XX/XX/XXXX XXXX  reported to the credit bureau I was late on my payments.  I never received information regarding the purchasing of my acct.  My one phone gets about 20 robo calls PER DAY.  I have had to ignore/turn off for peace of mind.  If they tried to call I probably couldn't tell due to the tobo calls.  I discovered XXXX when I obtained a credit report.  Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info.  I would have to have a complete XXXX discharge that dated back before the report to the credit bureau occurred.  That I signed a paper in XX/XX/XXXX that I would keep the loaner informed with contact info.  I still live here but phone ??????  Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?.  I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones.  Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer.  Now I have 7 to 10 yrs of bad credit from it.  I trusted the system when I filed for the deferment to keep it.
Consumer complaint received 2019-08-20
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: Experian Information Solutions Inc. (TX)

I am concerned about the validity and accuracy of your recent investigation of  accounts (ATTACHMENT) that are reporting on my credit report. Last few months, I have requested investigation & reinvestigation because I felt the items above were not being reported legally. Few days ago, I received a new letter stating that your reinvestigation was complete. Please explain to me how you conducted your investigation!  This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX. Please respond accordingly.
Consumer complaint received 2019-08-20
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. (MS)

I am writing this due to non-compliance with the (Equifax, XXXX ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Telerecovery Corporation (LA)

On XX/XX/XXXX i was contacted by Tele recovery about a dept for back in XX/XX/XXXX. its been a while back and i have no records to verify this. the guy i talked was being an XXXX about collecting, i told him i could pay {$15.00} a month he said i could not do that and hung up. well i did not want to XXXX up my credit. i checked my credit report and found out they the collection company already hit it hard and i lost about 40 pts. so i called back today and talked to the supervisor she said i could make payments but they would not send me a bill or help me track payments. so i asked about how and why they hit my credit before even contacting me to even make sure i was the right person who had the dept, she gave no answer to this. so i ask her will they talk to XX/XX/XXXX and restore my credit score, she said they would not. she did say they would give a letter to me stating it was paid. i know they will only restore 2 or 3 points. 
how is this fair? how can they XXXX me like this before talking to me and verifing me or even giving me a chance to pay them.
Consumer complaint received 2019-08-20
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. (FL)

On two separate dates in XX/XX/2019, I submitted requests for credit monitoring due to the Equifax Breach. On neither of those occasions did Equifax even acknowledge the receipt of the claim, other than issuing two confirmation numbers.I sincerely believe they are not taking the magnitude of the problem seriously, and, are not making a good faith attempt to make the clients who have suffered a data breach of their personal data whole again.This company should not have been given a free pass to continue business as usual.
Consumer complaint received 2019-08-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OK)

The company paid my property taxes without my permission after I was forced to pay  them to XXXX   and XXXX counties after the mortgage company threatened me even though I am protected under Texas law for a XXXX XXXX protections and broken up payments throughout the year.  They have changed the entire structure of my mortgage without my permission to increase my payment by over a $XXXX a month which is three times my mortgage payments and are breaching the mortgage agreement I made when I purchased my home in XX/XX/2006.  This is illegal in the state of Texas and goes against the Fair Credit Act, because even though I have paid double payments to close out this fraudulent collector they failed to apply my XX/XX/XXXX payment, held it in a unapplied account, charged me late fees, started foreclosure, and reported to the credit bureaus I did not make my payment and yet it was already in their account.  And when they chose to apply it, rather than following the instructions on the checks to be principal only payments, they chose to apply to future mortgage payments and illegally charged me compounding interest over the last four months.
Consumer complaint received 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

I have had an online checking account with Simple.com since XXXX. 
On XX/XX/XXXX I had a balance of {$50.00}. On XX/XX/XXXX {$300.00} was deposited into this account. When money is available the account will show it as " safe-to-spend ''.

On XX/XX/XXXX I withdrew {$100.00} from this account from a local ATM, leaving me with a balance of {$250.00}.

On XX/XX/XXXX I tried to make another withdrawal and the transaction was declined.

On XX/XX/XXXX I called the Simple customer service line and explained my problem and was told by the person I was speaking to he could not fix the problem and he would have to hand it over to another department. I called back on XX/XX/XXXX and was told that the problem had not been fixed and there was no need for me to keep calling I would receive an email letting me know when I could access my funds. I called again on XX/XX/XXXX and was given the run around again. It is now over 30 days since I have been able to access my funds.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NY)

Property Manager at XXXX XXXX XXXX is trying to collect a dibt for months in which we did not reside at the address. They have sent {$2200.00} to National Credit Systems after we already went to town court. The judge already ordered no money owed to the property and we were not obligated to pay further rent. They kept the security deposit anyways, and continue to try to collect. We were already ovetpaid and at a loss resulting the issues at that property. I don't owe them any rent at all and there was no damages to the unit. It is XXXX properties.