davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (FL)

Newrez received XXXX checks totally {$250000.00}. They were instructed to, and acknowledged they would, payoff the mortgage and send the funds back via ACH deposit to my account. The {$250000.00} all cleared the issuers bank on XX/XX/year>. Newrez has STILL not paid off the note and therefore it's costing me interest and PMI every single day, not to mention the loss of interest on the balance owed back to me.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I was not aware that someone got into my bank account through my mobile and debt transtions and XXXX XXXX accounts until Friday XXXX XXXX XXXX when I tried to sign into Truist mobile app to see if my disable check was posted from XXXX XXXX schools. My phone and accounts were hacked and unable to get into my accounts and my phone i couldnt call out or even call 911 if need to and keep lossing internet I was in the hospital XXXX XXXX XXXX XXXX I was finally able to get a hold of my bank and they told me that there were text deposit XXXX to my account and signed and there were transactions that were posted that I was not aware of and did not. There was a charge at XXXX for {$700.00} XXXX XXXX I was in the XXXX XXXX XXXX for XXXX 's appointment in staying there for till Friday the XXXX and I was nowhere near XXXX and don't know of this charge and there was two checks on that day too but are from a roofing company from Texas and they printed my name on the back of them and deposit them and it doesn't look nothing like my signature or the way I write my checks so the bank said that they would give me 30 days for review and to send in anything I had that would give proof what that I didn't do it and they called me back the next day one day later and said that they're closing my account and I'll be no longer have an account with them anymore and they know that I didn't do it but they don't want me too have a checking account with them and close my account and they did not refund my money and use the funds overdraft fees return check fees and everything else on top of it then {$970.00} {$790.00} came out of my XXXX  check and now I can not pay bills and my credit is getting hit because I'm late and I don't know what to do I can't pay bills and they said that they are done with me and I don't know what else to do and they didn't not give me a chance to show them any proof so I'm not sure what else to do also my XXXX XXXX they got into and took the funds and tried to deposit twice with their XXXX XXXX hashtag and it came up scam but it's still went through after their third attempt and now I am XXXX in the hole with them and with the bank
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXXXXXX 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 XXXXXXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form 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 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company (KY)

I had my mortgage payment scheduled thru the Freedom website. On XXXX I noticed that the amount had not been removed from my account. I logged into the Freedom Mortgage app on XXXX to find that they no longer owned my mortgage. 
I called the company to inquire and they notified me that the mortgage had been sold to another company. And that they had put paper notice in the mail on XX/XX/year>. I never received the paper notice and the customer service agent placed blame on the US postal service. I did not receive an email of the account transfer or a message in my Freedom Mortgage app. My mortgage payment is now late and I am growing interest on an amount that I had scheduled to have been payed.

Im not upset by the selling of the mortgage I am upset by improper notification and unprofessional handling.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (FL)

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors, nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (AZ)

I've made it clear to the company that I did not approve this line of credit the second time, that the first time it was enforced upon me by the office manager at the doctor 's office this bill occurred at and I've been disputing this bill since they enforced it upon me ; that I'm XXXX and unable to pay this bill, and I also don't owe the {$3000.00} that the line was opened for. I've disputed this line 6 times and they and the doctor 's office will not provide these documents they state I signed stating this equipment was nonrefundable, and the fact that I owe {$3000.00}, which is not the case either. Since I have returned the equipment since it was not working properly, one was used so it was not covered under the nonrefundable portion and the other was brand new so it was warranty covered and the office could have returned it, and the rest was herbs and office visits. I was only there for 2 months, not the 3 initially signed for and the amount of the herbs was never disclosed, but the boot I was told was {$2800.00} and was also told by the manager was charged at a discount, and since he diagnosed me I " owed '' him, and was insistent on me purchasing their herbs and equipment despite the fact that I was XXXX, XXXX, and could not afford this line of credit. I do not owe this amount and can not pay it any time soon if ever, the equipment I am not responsible for and should only owe for the herbs which I would say is {$200.00} at most, and would not pay more than that. They also have a policy that is supposed to help those who are XXXX and unable to pay their bill and refuse to help me with that policy let alone discuss it and will not send me the documents the doctor is sending them so I can validate them. They are insistent I owe this debt despite what I say or send them. I don't know what else to do at this point. This line was opened in XX/XX/2024 and has been disputed 6 times since. I've attached the email I've sent to the doctor and to care credit regarding this line of credit and the email correspondence regarding this balance.
Consumer complaint received 2023-06-23
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. ()

This compliant is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited off such fraudulent accounts. 

If you assume or allege, I have received services, goods or monies, please have a senior executive certifies under the penalty of perjury, I have obtained possession.
Consumer complaint received 2024-12-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION (AL)

AmeriSave Mortgage Corporation advised the following, " Records indicate a mortgage application was initiated on XX/XX/year>2024 by the consumer via the online application portal. The research has confirmed on XX/XX/year>, at XXXX XXXX  that the application was initiated by IP Address XXXX. 

Under ECOA, a lender who has denied credit must notify the applicant of the denial within 30 days. This notification must be : - in person. - in writing. I received a 'Statement of Credit Denial, Termination or Change ' dated XXXX, XXXX, 2024 which indicated 'Insufficient Credit Files ' as reason for denial. Clearly outside the time frame for denial notification and subject to litigation for such blatant disregard for procedural requirements specified by law. This procedure MUST be corrected.
Consumer complaint received 2023-01-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CA)

Hello, my name is XXXX XXXX and on XX/XX/2022 I applied for a loan to repair my vehicle. I was approved for {$2000.00}, however today I was made aware that I still owe {$2400.00}, although I have made {$1100.00} in payments. I asked the representative why my principal had not been reduced, and I was informed that I am paying XXXX XXXX interest rate. 

According to my research, that is illegal in the state of California, and I would like attention to be drawn to the predatory practices of XXXX XXXX 

I can be contacted at XXXX or emailed at XXXX. Thank you.
Consumer complaint received 2022-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PROSPERITY BANCSHARES, INC. (TX)

I was contacted XX/XX/XXXX to purchase something I had listed on XXXX XXXX for sale and they wanted to send payment to prove purchase intent since I was on my way to work. We set upa morning meeting before discussing payment, everything that had been normal for previous sales, then I listed how I was able to take payments which XXXX was chosen. 

They claimed to send payment and I received an email saying I had to upgrade my XXXX  to a business account in order to receive the {$1500.00} because it was over my acount type limit. I knew there was a difference being an individual vs a business using XXXX because I had seen the fee note during previous legit transactions, but I couldn't find something that specified what was being asked and I was then at work so short on time. 

Supposedly an extra {$300.00} was sent to initiate a business account that I was to immediately return, which I did after research again turned up nothing ( including scam warnings ), but I refused to continue anything else when another email wanted an additional {$100.00} to activate a business account and give me access to the {$1500.00} payment. 

I contacted my bank, Prosperity, as soon as they opened the next morning ( Friday XX/XX/XXXX ). The transaction still said pending to me, but my bank said it was already completed and to call back Monday for someone that could better help me. I called back Tuesday XX/XX/XXXX because I had been out of town and was immediately told nothing could be done regardless of Regulation E, but " please let us know if you do find something that says otherwise. ''
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

Purchased XXXX XXXX gift card from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$100.00} paid XXXX. Opened the gift card tried to activate for use and was denied. Once the card is opened, XXXX can not take it back. Called the company XXXX XXXX XXXX XXXX ( on packaging of card ) XXXX they told me that since the last XXXX numbers on the card did not match they can not assist me. I've been calling repeatedly and was told to send a fax with a copy of the receipt, front and back of card, and government ID. I resent the fax 3 times, called 1 week after sending each fax XX/XX/2022, XX/XX/2022, XX/XX/2022, only to be told that the to send another fax. I can't imagine how many people this happens to and they don't fight for their money back. I want my {$100.00} back.
Consumer complaint received 2022-10-05
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. (IL)

There were fraudulent inquiries reporting on my file that I DID NOT authorize. I'm not familiar with the companies, nor did I ever EVER give them written or verbal consent to pull my credit report. 

Also, I've spent over an hour on the phone with this Credit Reporting Agency ( EQUIFAX ) trying to resolve this issue. I was instructed by members of Equifax that I needed to fill out the required FTC report and send in a cover letter and an additional letter with my Social Security Card and License as verification of my identity. I've sent all of the documents required of me and still have not seen any true or valid action taken addressing the fraud. Nor have I been contacted by the company in that span of time, despite them coming to a seemingly adverse result. 

In calling them to verify they received my mail, which I sent certified, they claim they have verified these fraudulent inquiries. 

HOW CAN YOU VERIFY FRAUD!? 

As a consumer I am very upset that this credit reporting agency is blatantly disregarding my claim, and acting unethically and adversely in my situation.
Consumer complaint received 2023-05-05
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)

-Dates associated with item being disputed : XX/XX/2022 -Explanation of item being disputed : The account referenced by XXXX. XXXX XXXX XXXX XXXX is showing as a Collection, however, this account does not belong to me. This account is also not legally in possession of XXXX. XXXX XXXX, nor do they have a right to collect on the supposed debt. I did not receive the mandatory 30 day right to challenge said debt. The Debt Collection License for XXXX XXXXXXXX XXXX XXXX XXXX is described as Pending. As a result, I am currently pursuing XXXX. XXXX XXXX in legal proceedings for this reporting. Please kindly update my report to show the Collection as removed. 

Experian, XXXX, XXXX has not taken this information and investigated properly. Despite the lack of proper procedure for debt collection, as stated by the Fair Debt Collection Practices Act, by XXXX XXXXXXXX, Experian, XXXX, and XXXX has not deleted the item from my report. Experian has only updated the amount of debt on my report based on the word of XXXX. XXXX XXXX. This collection has resulted in my inability to secure financing for a vehicle and for a home. The original creditor is being pursued for punitive damages, as well as gross negligence, despite this, this collection has been placed on my report.
Consumer complaint received 2022-09-27
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: PENTAGON FEDERAL CREDIT UNION (TX)

i received an email from XXXX XXXX about an unknown credit card from Pentagon FCU added to my accout with unexpected amount on XX/XX/XXXX, XXXX this is when i came to know about this fraudulent card added to my report. ive filed a dispute with XXXX XXXX and XXXX to investigate and fix the error. 
i would like this to be investigated and fix the issue as soon as possible. i am a victim of identity theft.
Consumer complaint received 2022-09-28
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. (MI)

I requested on XXXX XXXX to have the address listed and incorrect names on my credit report to be removed. The following credit bureaus did not respond to my request. I told them that the information did not belong to be and I have no association with those addresses.
Consumer complaint received 2022-08-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am frustrated by the Credit Bureaus actions or rather not taking actions in order to correct my Credit Report. The Credit Reporting Agencies haven't done anything despite the multiple written letters and complaints submitted to them. I had high hopes that the Credit Bureaus would be generous enough to give a portion of their time to investigate and verify whether the information being reported on my Credit are accurate. The last letter I sent to the Credit Bureaus was last XX/XX/XXXX containing the same appeal to remove the items which I believe were the results of the Theft of my Identity. In my Letters, I informed the Credit Bureaus regarding the theft of Identity and that the items I am disputing were the results of such crime. I have also emphasized the Fair Credit Reporting Act section 605b ( 15 U.S.C. 1681c-2 ) whereas the Credit Bureaus are required to remove any items not later than 4 business days after the receipt of the previous letter dated XX/XX/XXXX. I was expecting that the Credit Bureaus would inform me regarding my disputes by responding to my Letters but I received nothing. More than a month had passed and I am still waiting for their response but it seems that the Credit Bureaus are the best in stalling the removal of my disputed items by not responding to my letters. I am utterly disappointed that the Credit Bureaus are not taking this matter as serious as I am. By submitting this complaint through the CFPB, I am reminding the Credit Bureaus of their responsibility to comply with the FCRA section 605b and remove the following items completely from my Credit File XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-26
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be DELETED immediately : XXXX XXXX XXXX