davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

I got a new debit card on XX/XX/year> and I used it one time on XX/XX/year> I went to the doctor 's office and tried to exit the parking deck with my banking card but it was declined and when I reached out to my local bank Truist I was informed that a block had been placed on my account because of fraudulent activities. I verified the transactions that the clerk questioned me about but I was still told the block could not be removed. I was told to contact the fraud department of Truist and I did and the basically verified the exact transaction as the local branch and told me that the block was placed by a higher up and they had no information and I would be receiving a letter. I received the letter on XX/XX/year>. I called the number on the bottom of the letter but still no resolution from the person I spoke with in the fraud department, I was told to call back in XXXX hours but there was not guarantee that the issue would be resolved. I have asked each representative how long the process usually take but I have not receive a definite answer as of XX/XX/year>. I do not have funds to pay any bills, purchase my medication, buy groceries etc. I have been borrowing money from everyone to try to make it until this is resolved. My livelihood has been take away from me. I am very depressed and my XXXX  is out of XXXX  because I am so stressed about all that's going on.
Consumer complaint received 2015-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

In XXXX of 2014 I completely paid in full a debt. 
Original creditor : XXXX XXXX XXXX XXXX The collection company was XXXX XXXX. There address is XXXX XXXX XXXX Ma XXXX XXXX # XXXX ref. # XXXX # XXXX was paid in full for {$770.00} They are reporting the account as charged off. This is incorrect. It was paid in full and when it was they had advised me by phone that it would be removed form my credit report. As of today it remains on the report as charged off.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a bill, and a picture ID, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- - 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law, which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). These are the affected accounts. XXXX XXXX XXXX XXXX bal. {$20000.00}.
Consumer complaint received 2015-12-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (TX)

My husband and I have a car loan with BMW through XXXX. Our payment is {$500.00} a month and which we signed up for. We 've had difficulty making our payments the last few months. We asked them to refinanced it and they said we were not approved. We told them more than once that it is hard to make our payments and they have not given us any relief.
Consumer complaint received 2015-03-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (CA)

I have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all. 
I am VERY unhappy.
Consumer complaint received 2024-11-26
Product: Credit reporting 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 not going to go into full details for the files below is detailed. Due to my response being posted publicly I will briefly make this statement short and clear. I am facing identity theft right now. My identity has been stolen and used without my permission. I am in the process of building my credit as a upcoming XXXX  adult. The following accounts are fraudulent and needs to be erased it isn't fair how someone can cause such defamation to not only your report but your character as if you aren't responsible. Help me fight these collections off that doesn't belong to me.
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Other — 
Company: Legal Recovery Law Offices, Inc (CA)

I am a permanently XXXX XXXX year old man. XXXX. I have been in and out of hospitals for 8 years, XXXX lost my house, and lived in a friend 's garage. I have survived on my $ 1800/mos XXXX ( which I am trying work my way off of ). I am trying to correct/negotiate items on my credit report. I have had good success at settling most accounts. However, Legal Recovery Offices ( LRO ) at XXXX XXXX XXXX XXXX, XXXX XXXX, CA has been unscrupulous and told me tough luck. I had originally contacted XXXX XXXX ( account number ******************* ) credit card. I contacted XXXX XXXX and spoke to XXXX at XXXX ( ext XXXX ) who advised I ask LRO to return the account to XXXX XXXX. LRO said no. They garnished my government benefit account funds. I filed a claim of exemption which was granted ( XXXX Court of California case number XXXX ). During that process XXXX XXXX XXXX XXXX XXXX XXXX XXXX advised me that the proof of service represented to the court when the granted a judgement was returned. I was not served and had no chance to defend myself. XXXX I am trying to correct my credit, which was always high. The cruel words from LRO attorney XXXX XXXX that he " did n't care '' were shocking and inhumane. I seek the same treatment from LRO as the other creditors I 've been working with. They refuse to discuss a payment plan and, as XXXX XXXX said, expect to collect every penny of my original debt plus the near XXXX fees and interest they have added on. He hung up on me. I did n't choose to get so sick and lost everything, house, savings, etc. Please advise me how to deal with this cruel unscrupulous company. Thanks for your valuable time.
Consumer complaint received 2015-06-23
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

A few weeks ago I set up a new savings account with Wells Fargo. The savings account was supposed to be linked to my debit card. The representative I spoke with assured me this had been done so that I could access my savings account from an ATM machine. On XXXX XXXX I went to get {$40.00} from that savings account at the ATM The ATM did not allow me to get funds directly through that savings account. It instead routed the funds through my checking account. My checking account did not have the funds to cover the {$40.00} withdrawal, so money was moved from my resulting in a {$12.00} transfer fee. When I called Wells Fargo on Sunday XXXX XXXX, the agent I spoke with went ahead and linked the savings account to my card, and said I should not be charged a fee for the transaction since the savings account should have been linked to my debit card. However I was still charged a {$12.00} overdraft transfer fee on XXXX XXXX. I feel that fee should be reversed since the product specialist who created the savings account for me did not link the savings account to my debit card as she said she did.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I am a Widow who has asked for assistance, never received it and I am now being harassed by Citi Mortgage. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from Citi Bank/City Mortgage since 2012 but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for each month including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and waited 7 or 8 months to deny me. I asked again recently and I was denied again. I needed my loan modified to a smaller payment so that I could keep up the payments, I did n't have far to go to finish paying off the balance. Because Citi denied me help in order to keep up the payments, I used my savings to supplement my income. Now my savings is almost gone and there is nothing left to supplement. I am not behind, not even one month but now I am being harassed by Citi Mortgage each and every week. I have to pay them at the end of the month but I am not behind. I only owe them a total of {$9300.00}, my monthly payments are {$300.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from Citi Mortgage XXXX where I have a home equity loan would have worked with me. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. The only thing I can do is to pay my bills as best I can and City will have to wait to get it until I have it to send. Each week they send me threating letters of foreclosure and modification forms which I will not fill out, I know from past experiences, they have no intentions of helping me with anything but out of my co-op if I ca n't pay rather than work with me towards a solution. I am being harassed. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.
Consumer complaint received 2015-06-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (TX)

My monthly loan payment amount increased last month, without any explanation, previous disclosures or any notice of any kind. My hazard insurance and taxes are escrowed through my loan payment so I understand that my monthly payment can and has fluctuated in the past. However, I have never had a change without at least a few months notice as well as a detailed explanation or accounting as to the reason why my payment was due to change. This did not occur in my situation. I have had many problems with Ocwen since they became my mortgage servicer. I very much would advocate allowing borrowers such as myself to be allowed to request a service transfer to another servicer when dissatisfaction occurs due to the servicer 's actions.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (GA)

My name is XXXX XXXX. My mortgage company is Ocwen Loan Servicing. My loan number is XXXX. I have over XXXX in surplus in my escrow balance. My property taxes are less than XXXX a year. Last year they paid out XXXX. But I got a letter stating they are raising my escrow on my mortgage to XXXX a month making my mortgage to be XXXX from XXXX a month. I have sent emails and I have also called with no one to assist me. I have ask to speak the escrow department and they informed they do not accept calls. Their call center is located in XXXX so there is language problems on the phone calls of each other not understanding each other. I have also ask to speak to someone in XXXX but they have denied me that right. I just want my loan to be corrected. So can you please help. I will sending also copies of the letter and escrow activity statement they just sent me in the my email last week. I wo n't be able to keep my house paying out XXXX. My house is only worth XXXX now. 
ThanksXXXX XXXX
Consumer complaint received 2015-05-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (AL)

I tried to come to a payment solution with the private student loan company AES and I had lost my job and could not make the payments anymore. I tried to get them to lower the payment or do a consoldation to make it affordable. They said they was nothing they could do. So I paid what I could and then they started to refuse the payments. So it went into default and I have been trying my best to get back on my feet because I lost my job.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My credit file shows hard inquiries from Capital One. I have reached out to Capital One several times about this letting them know that I have not requested any credit from them. I have received letters of confirmation from Capital One stating that they have reached out to the credit bureau agencies to remove the hard inquiries but the credit bureau agencies state that they have not received any updated information from Capital One. As a result of all this my credit score has dropped significantly which has affected my overall financial goals. I am attaching evidence of letters sent to me by Capital One and also my credit file showing the dates of the hard inquiries still not removed. I do not have any financial relationship with Capital One nor have I requested any credit or product from them.
Consumer complaint received 2015-10-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade provide me with the information I requested on how to file arbitration. It was previously brought to Scottrade 's attention that the arbitration agreements with Scottrade Brokerage and Scottrade Bank are mutually incapable, thus I sought clarification on the specifics, as well as requested instructions on how to file a dispute. Scottrade has refused to respond. Furthermore, Scottrade has alleged that I would be responsible for significant administrative/travel/filing fee costs associated with filing an an arbitration case. I have requested information from Scottrade on how to remedy the prohibitively expensive nature of arbitration and have not received a response. I kindly request Scottrade provide information regarding how to file an arbitration claim against Scottrade, Scottrade Bank, and Scottrade Financial Services and the differences in any arbitration agreements.
Consumer complaint received 2024-09-22
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: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightened my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX is stating that I had an account with them and has placed a collection in my name. I have never had any account with XXXX XXXX XXXX. Experian has dropped my credit score tremendously because of this, and did so without verification.
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY (DE)

On XXXX/XXXX/15 XXXX fraudulent charges occurred on my checking account in the amounts of {$66.00}, {$70.00}, and {$72.00}. A total of {$210.00}. On XXXX/XXXX/15 I noticed the fraudlent charges and reported the matter to TD bank customer services. I explained that I had never lost or misplaced my debit card and that I had never been to the location in which the fraudulent charges occurred. The TD bank representative took my information and said that an investigation would be initiated and I could expect the money to be refunded within 3-5 business days. On XXXX/XXXX/15, six business days later, I called TD bank again to check on the status of the investigation and the TD bank representative said that the person I had spoken to during the initial call had failed to initiate the investigation and I would have to start the process all over and that it would take 7-10 additional business days to resolve. After providing the information for the second time I asked to speak to a supervisor about the difficulty I was having getting the issue resolved. The TD bank representative stated that I could not speak to a supervisor but that if I left my contact information, a supervisor would call me back within 48 hours. I insisted I wanted to speak to a supervisor and was again told that I could not speak to one. Finally I gave in and left my contact information and asked to have a supervisor call me back as soon as possible. I never received a call from a supervisor or any TD bank representative. 
As of today the issue remains unresolved and no funds have been refunded to my account. 19 business days since my initial call on XXXX/XXXX/15 and 13 business days since the XXXX call. I have however been charged a {$14.00} maintenance fee because my account dropped below {$100.00}, which would not have occurred if the fraudulent charges had not occurred.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (TX)

I've noticed that there is still an account on my credit report that is being falsely confirmed to be accurate. Nothing has been done to fix or eliminate this erroneous data, even though the material I've supplied amply demonstrates that it is false. 

A proper inquiry and correction of disputed information are required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Section 1681i, which is violated in this case. Please conduct a quick follow-up investigation and make sure that the inaccurate information is either fixed or deleted from my credit report.