davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WI)

XX/XX/22 Posted a listing for my chaise sofa on XXXX for {$1500.00} Within 2 minutes I had 3 responses. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. 
I said I required cash only. 
Two asked if I could do Zelle or XXXX. XXXX did not respond again. 
I said I would prefer not to but I would. 
I was on with a woman XXXX XXXX XXXX for approximately 3 hours. 
I believe it was a scam and I sent {$300.00} to Zelle which I have no way of recouping. I was told to reimburse XXXX using XXXX which would not go through. She then gave me XXXX to use and it went through. XXXX paid the {$300.00} and along with the {$1500.00}. 
Zelle wanted me to send another {$500.00} for a Certificate. I would have to go to a store to purchase a XXXX XXXX. Different email addresses and names were used within XXXX. 
Messenger chat went until about XXXX or XXXX. 


XX/XX/22 XXXX started in again early in the morning. I told her I had to go to work and would get back later in the afternoon. She started again at XXXX I called my bank and they said to call the police which I did call and an officer came to my residence at approximately XXXX XXXX There is nothing I can do and really nothing they can do, bank, police or official Zelle. 
I have blocked XXXX on XXXX as well as the other woman, XXXX XXXX XXXX. And reported them as scammers. Especially after seeing posts on their pages in, I believe, what was XXXX. 

XX/XX/22 Filed a complaint with Zelle. Filed a scam with XXXX. Filed a complaint with Consumer Protection Agency Wisconsin ( XXXX ). 
Other email used from XXXX was : XXXX with the XXXX XXXX. and XXXX  XXXX XXXX logo was displayed in the email.
Consumer complaint received 2019-10-31
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. (IL)

I, XXXX, XXXX XXXX am a victim of Identity theft. a notification of dispute/ as well as FRAUD ALERT based on the information in which is listed on my report was sent to Experian reporting agency. Multiple letter have been sent to Experian to inform them of this matter, in which no correction or remedy have been justified. the most recent being sent XX/XX/2019 tracking number XXXX which included -Passport Card -social security card -Federal Trade Commission Identity Theft report -Victim Information Notice via XXXX Police Department XXXX- Present -Bank statement providing proof of address Based on above documentation I disputed the validity of my report in its entirety, hence this matter is affecting my ability to obtain and maintain credit. there are roughly 40-60 accounts listed on my profile in which i did not authorize nor due any party have a valid contract to list said information. I previously requested validation of all debt in WHICH NEVER HAS BEEN PROVIDED.
Consumer complaint received 2022-08-24
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. (PA)

Hi, to whomever this may concern, XXXX has violated my rights according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). I informed them that they're reporting both fraudulent and inaccurate accounts on my credit profile and they are yet to respond to my letter that was sent well over 30 days ago. XXXX isn't taking me or my credit report seriously at all and it's crippling my credit scores and my credit worthiness. I find it extremely unfair that I'm being punished for there mistakes.
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Truist is sending me bogus letters related to insurance. They failed to pay my insurance and I ended up paying. I paid a {$45.00} fee for a gap in insurance. I reinstated my insurance on XX/XX/XXXX. The gap was XX/XX/XXXX- XX/XX/XXXX. So as of XX/XX/XXXX, I was covered. 

On XX/XX/XXXX they sent me a letter saying that I had no coverage and they were taking out coverage and charging me {$900.00} for this coverage. This makes no sense since the insurance coverage was solved on XX/XX/XXXX and the letter was issued XX/XX/XXXX. Additionally, I talked to them on the phone in early XXXX to pay the {$45.00} and make sure all was correct and accurate. 

In the letter, they sent they listed an old phone number that does not function correctly. it leaves customers in an endless loop where you can't get in touch with a human. The wrong number they listed on the letter XXXX there is no way to talk to a human from this number. Ins spite of trying all the menu options to get to a human I kept getting cut off. I spent several hours trying to get through. I ended up calling 4 other XXXX numbers for Truist before I got a human. That person ( in mortgages ) was able to get me a functioning phone number. She explained to me that the letter was 'system generated ' and that is why the number did not function correctly. How can they send out a letter that has a useless number? 
the new number she gave me was XXXX My primary complaint is that Truist makes communication near impossible for any normal person with work they need to do during the day. It is very costly to take half a day off of work to spend time trying to get through by phone. 

In the end, I finally got a human and they confirmed that the letter was in accurate. They have my insurance information there is no additional {$900.00} to spend. I lost my entire morning chasing this information down. How do they get fined for creating such duress and needless lost of work time and wages for me to solve a problem they created? 

How would this work for a single mother with shift work where she could not take time off to call Truist to find out they sent a bogus letter?
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I wrote up a letter to Portfolio Recovery Associates for verification of the current debt ( {$4000.00} ) they have listed on my credit report. I sent this letter on XX/XX/2022 by certified mail to XXXX XXXX XXXX. XXXX, VA, XXXX. Today is XX/XX/2022 and I have not received any response from them.
Consumer complaint received 2019-10-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I've provided proof to BoA that the item is on its way back to sender. They refuse to close the case, even though the seller responded to the claim via XXXX ( but XXXX says the claim is now with BoA ) on XX/XX/XXXX.
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (IL)

On XX/XX/2022, a payment of {$5400.00} was made on the XXXX website. On XX/XX/2022, a call was made to have this payment be applied to principle ONLY. I was told the paperwork was completed and it would take 3 to 5 days to be applied to my account. On XX/XX/2022 the payment was showing as applying to principle only per my request. On XX/XX/2022, Hyundai moved the payment I had requested as principle only to be used as my monthly payments and took {$14.00} off this payment and applied to interest. I called on XX/XX/2022 and was told that the payment was applied to principle and payments in the amount of {$2500.00} would be applied to principle. I asked to speak to a supervisor and was placed on hold to go back into the main menu for the customer service phone line.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (AZ)

I attempted to close my saving account 3 months ago. At the time, was told that I needed to first drop it to a XXXX balance and the account would be closed. I transferred out the XXXX on XX/XX/18 to XXXX the balance. I then went back to close the account on the XXXX, XXXX, and XXXX but the system would not allow it although I very clearly had a XXXX balance. Last night I was charged a {$12.00} fee, 3 days before the other fees were assessed and called in to rectify. I was told by the agent that I now had a negative balance of {$12.00} and would need to get that to XXXX before I could close the account. I asked to reverse the fee to which he said he can not due to the fact that I do not have a relationship beyond the savings account. It should be noted that I also have a XXXX mortgage with this once decent bank. 

Note - This was originally an employee account which allowed for no fees on savings regardless of balance. When I left XXXX, I was never provided a disclosure, electronic or otherwise, of a change in fee structure.
Consumer complaint received 2022-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: INTERFIRST MORTGAGE COMPANY (OH)

I refinanced with Interfirst late last year XXXX. My home insurance was paid through XX/XX/XXXX with XXXX. I made three attempts with XXXX to obtain my insurance billing and never received it. XXXX has since admitted they can find no notes or record of the issue and just that I only called them. Because of the issue with XXXX, I obtained insurance through another provider on XX/XX/XXXX. XXXX notified Interfirst that my policy cancelled on XX/XX/XXXX. Interfirst is engaging in forced place insurance for the time period between XX/XX/XXXX and XX/XX/XXXX despite my interactions with them on this issue. I have just received notice that Interfirst is charging {$270.00} for insurance coverage worth {$330000.00}. My home appraisal which I paid for to obtain the Interfirst refinance is {$250000.00}. The loan balance is {$190000.00}. The insurance company that is providing the policy that is making pay 4x market rate is from a company called XXXX. By all appearances, XXXX is an affiliated company. This action can not meet any definition of reasonable for Interfirst to over value the worth of their loan investment and pad extra revenue for XXXX under the premise they are allowed to force retroactive insurance on a consumer. It not only is taking advantage of a situation I did not cause and also remedied in quick manner, but it is an obvious display of grift and corruption. Why does CFPB not protect consumers from such action? How is CFCB not stopping the practice of over valuing my home so a money lender and insurance company can grossly profit from an unfortunate mishandling of documents by my insurance provider? They are insuring nearly twice the amount of their actual loan risk which is not even a risk when it is past tense and they literally incurred no losses. It can only be grift to deliver pure profit to company at 4x the market rate for insurance. I want CFPB to force explanation of Interfirst 's relationship with XXXX? Why InterfirsXXXX has not sought competing bids? and why Interfirst is now valuing my home, for their own purposes and not mine, to be at {$330000.00}.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2022 I contacted Transunion that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, XXXX XXXX,
Consumer complaint received 2022-08-24
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (DE)

When I contacted the credit reporting agencies in regards to the prior information still being reported to my credit file, they assured me that the information being reported to my credit file was " verified ''. However, 15 USC 1681 they are intentionally and willfully being neglectful in remedying my affairs l 15 USC 1681e ( b ) assures that that I am due, promised accuracy on my credit report under federal law. 15 USC 1681i ( A.5 ) says that after the reinvestigations, all unverified information must be removed from my credit file. All of the accounts listed from previous disputes haven't been complete in a thorough reinvestigation.
Consumer complaint received 2019-11-01
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

XXXX XXXX recorded a subordination agreement in XX/XX/XXXX referring to a mortgage dated XX/XX/XXXX. There was no mortgage and this agreement needs to be released.
Consumer complaint received 2022-08-24
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. (PA)

These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (IL)

I reached out to all the credit card companies on my credit report as well as ncb management services requesting a validation letter of contract. These companies were not obtained by me. These companies refuse to work with me. I have been XXXX from work since XXXX of XXXX. I was never in financial position to take on any credit cards. 
NCB management services want XXXX the account was open XXXX. That is not a company i worked with.XXXX XXXX XXXX XXXX is not a company i work with they instead wrote of the debt imstead of removing the fraudulent account. XXXX XXXX XXXX wrote off majority of the fraudulent account now XXXX dollars owed instead of allowing me to do a fraudulent packet.XXXX XXXX XXXX has a fraudulent balance of XXXX this account is not mines. XXXX  XXXX is a fraudulent account with a balance of XXXX. Last but not least XXXX XXXX opened a fraudulent account with balance of {$360.00}. I have requested documentation of validation constantly from these companies they refuse to send the paperwork. I have tried to handle this with each company they refuse to respond to any legal documentation i sent them. None of these companies have a contract with my physical signature confirming that I accept responsibility of the debt.
Consumer complaint received 2023-12-28
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: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these any items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 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 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 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 XXXX, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2022-08-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NJ)

Regarding response to original complaint # XXXX. Information is not accurate. Response is generic and doesnt help with the accuracy of my issue. My complaint is payment and interest reflection is incorrect. Ive made all my payments on time and most always before the due date for the full amount. In the companies response its stated that I didnt always make full payment/ and or consistently is incorrect. How is that statement correct when they acknowledge Ive never missed a payment? and stating my payment were not in full payment so more of my payment is applied to interest is incorrect. Again, my account has never missed a payment. My due date is the XXXX of every month and all my payments are made all before that date most of the time a week in advance, and in full + more {$50.00} more on almost all payment. Please again look into this matter which is urgent and time sensitive. I am still making payment on this account and having the same issue of more of my payment is going to interest instead of principal. Ive had this account for more than a year and as payment is made over time less of my payment should be going to interest and more toward my principal. I feel I am be robbed and not receiving an accurate response and information. This account is has been taking my money and not applying my payments correctly. Also the contact information provided to call is sent directly to a voicemail. No one answer the phone and are told someone will respond in 24hrs. Im confused an Executive line is a voicemail. Please again I am not happy with the service I am being provided and with this loan in it entirety. Again I am aware of the loan type but also know my payments are not being processed correctly as they should. I look forward to my account being corrected and incorrect payment funds be reimbursed to me and applied correctly to my principal. If possible I do not wish to do any further business with OneMain financial and would like exit this account immediately. Please let me any options. If need I will contact legal services to continue me in this matter. Thank you in advance and hope to have this issue resolved as soon as possible
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NY)

The company in question is TRANSWORLD SYSTEMS INC I reached out to both Transworld and XXXX, XXXX, and XXXX about the account but to no avail. 
When I reached out to Transworld to let them know the information was inaccurate because I did not open an account with them, especially for the dates being reported. 
the information was totally false and I've never done any business with TRANSWORLD SYSTEMS INC And thru the credit bureaus investigation, they have not provided any proof of me opening an account but still allow this account to hinder my credit score and livelihood.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (FL)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.