davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PR)

Hello i am paying a private student loan to a national lender. The problem is that i had make a lot of payment during a period of 8 years and the principal still practically the same at the original amount. Original amount XXXX, and today debt is XXXX. I had call then and they only said that those payments represents interest over interest and past due penalties costs.
Consumer complaint received 2023-06-04
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. (AZ)

The credit agencies reporting these alleged accounts on my credit report is false and need to be removed immediately. They are in violation of Permissible Purpose 15 USC 1681b and I am also requesting a copy of my written instructions from the credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-01
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. (WI)

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 
Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have taken the necessary steps to address this issue by reporting the false information that has been disclosed. As a victim of identity theft, I want to emphasize the significant stress and financial burden that has been placed upon me due to the inclusion of products that do not pertain to my identity and for which I am not responsible. It is imperative that this complaint is handled appropriately ; otherwise, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have had a detrimental impact on my ability to fulfill personal aspirations, such as purchasing my dream car, and provide necessary support for my family.
Consumer complaint received 2023-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My previous mortgage company XXXX received Payments from the North Carolina housing assistance fund but never applied the funds to my account. Then they transferred my mortgage to Shellpoint mortgage who says that I owe them the missing approximately {$20000.00} and is threatening to foreclose. They both have defrauded North Carolina. I have and have given Shellpoint the wire Transfer ID numbers from NC and Shellpoint says it's working on it. I also have the local XXXX XXXX working on it as well as XXXX XXXX office working on it. These companies are foreclosure companies first and mortgage servicers last and should lose their licensing. They'd rather terrorize me than exert themselves in any way to resolve the matter. They seem to be working on it now while also threatening foreclosure. I was supposed to resume payments in XXXX of this year but they said not to because it would be considered a partial payment and they couldn't accept it. The same thing happened in XXXX then they sent a default letter including legal fees in XXXX. Now it's the first of XXXX and no resolution yet but we do have a phone appointment for Friday XX/XX/XXXX at XXXX with Shellpoint. Thanks
Consumer complaint received 2023-06-04
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. (GA)

I called Transunion to report these false inquiries that were unknown to me and asked them to remove them and they wouldnt. I told them that they were done fraudulently.
Consumer complaint received 2023-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Cash back credit card under both my husband and my name. Husband passed away in XX/XX/2023. I have been using card and paying balance off each month since, gaining reward money as well. 
I went to make a purchase on XX/XX/23 and bank declined. I could not access my account online. Called customer service # and was advised the card was CLOSED as they were notified my husband ( primary user on card ) was deceased. I received NO NOTIFICATION of closing and I AM listed on card. 
I asked about the Rewards money I had earned - I can not access online to transfer the earned money. I was told once the account is closed it is closed. 
No notice of closing an account - I have no way of accessing my Rewards money- yet I am still responsible for paying off the balance? 
I do not think this is fair or legit.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

From XXXXXXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
TJMaxx mastercard had charges of XXXX that was done fraudulently. 
With XXXX XXXX i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 One card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. XXXX XXXX confirmed it was fraud but someone other than me called and told XXXX XXXX the charges were accurate. In which caused them to rebill me.
Consumer complaint received 2016-07-12
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX XXXX XXXX My mother is XXXX XXXX XXXX XXXX Case number : XXXX to assist further to show more details involved on XXXX/XXXX/2015 XXXX and currently of the depth my families IDENTITY THEFT CASE really is. At the time of my mothers unfortunate illegal arrest beginning on the night still in question, Wednesday, XXXX XXXX, XXXX, did not tend to care for anything else but myself, and my XXXX sisters. We missed our mom too much, time flew quickly. No one in our immediate family grew curious of the state our finances were in at that moment until while bills began to get paid for the following month which was XXXX, 2015 starting on XXXX/XXXX/2015 possibly around that time frame only because I understand to pay the rent by or before the XXXX, MY BANK ACCOUNT - CHECKING ANS SAVINGS I had both active and opened for my own personal needs to use with what ever my mother puts in the account for me. I ask for permission before I attempt to use/swipe debit card to purchase anything, only if my mom approves. While my mom was in jail, a woman named XXXX XXXX XXXX, was staying at our residence during the absence of my mother, XXXX XXXX. Not I or my mother gave any type of 'ok ' to use our personal and family funding. She was living their and was supposed to be a live-in Assistance due to my moms XXXX through XXXX XXXX XXXX XXXX an XXXX certified XXXX Employee. Breaking laws of many. Continuing to apply for Loans on-line willing to direct deposit, used my, XXXX XXXX 's banking information for collection of payment. After money deposits were in my Teen-Minor account, XXXX XXXX XXXX, Willingly and unlawfully committed IDENTITY THEFT to me as well as my mother. I was forced to close the checking and savings account shortly after. But it was too late for me and my family because of so much damage she has done and continue to create different types of accounts use our personal and private information for her personal gain. Help us Please with this investigation. My mom and sisters have been under so much stress since the date mentioned. Please call my personal phone : XXXX XXXX XXXX XXXX. I have much to provide to this department to further assist in stopping XXXX XXXX XXXX in IDENTITY THEFT.
Consumer complaint received 2023-06-01
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. (OH)

I Have no knowledge of this account, XXXX XXXX XXXX XXXX., ACCT # XXXX but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (FL)

This is against Barclay 's Bank. I have their XXXX VISA card, which was transferred to another bank, XXXX XXXX, on XX/XX/2023. I sent a payment via US mail ( money order ) to XXXX 's before XX/XX/2023. They accepted the payment and cleared the money order on XX/XX/2023. 

However, now, the credit card is a XXXX VISA at XXXX XXXX. XXXX says that I have a current {$120.00} balance, even though I paid that balance in full to Barclay 's, and Barclay 's cleared the payment, even though they can not find it.

Barclay 's says there is nothing they can do unless I submit proof that the money order cleared. ( I have verbal confirmation from XXXX that it cleared on XX/XX/2023 ). To get written proof, I must file a dispute with XXXX ( the money order 's issuer ). They say it will take up to 6 weeks, and they require a {$12.00} payment for that service. 

In the meantime, I had to pay XXXX XXXX so as to not have a late payment appear on my credit report and incur a late fee. Now, I am out two payments of {$120.00}. I do not believe the transfer of the card should have been allowed if Barclay 's did not have a system in place to keep track of customers who made payments.
Consumer complaint received 2017-01-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NY)

XXXX XXXX was once deleted on all XXXX credit reports ( XXXX, equifax & XXXX ) and now i see that they are back. Please delete XXXX XXXX from all XXXX bureaus because it 's now holding me back from purchasing my brand new home. The bank gave me 30 days to work on having XXXX XXXX removed from all three credit reports before they make their final decision on my loan application. Please honor my request so i can finally move my family into our brand new home. Thank you in advance!
Consumer complaint received 2023-06-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX a check was mailed to me drawn from a Truist Business Checking account. I never received the check nor did I know at that time a check was being mailed to me. It wasn't until approximately XX/XX/XXXX that I was told a check for {$7500.00} must have been stolen in the mail. The sender then notified Truist Bank of the missing check. Truist has told me that they are not responsible for missing checks after 30 days. After further inquiries I received the attached documents proving that my check was fraudulently cashed. The name of the person who cashed my check clearly does not match my name on the front of the check. Please help me to recover the money that was stolen from me. Thank you.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (TX)

When I log into my account this message shows : " Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status ''. 

In XXXX/XXXX, I was told the restriction was put on my account due to my attempt to transfer an unavailable amount of funds to an external bank account in XXXX, but I could request to have the restriction lifted. I was told a request would be submitted to the " back office '' for review and it would take 2-3 days, but I could still make deposits to my account. Therefore, I began having portions of my paycheck direct deposited into the account ... without issue. 

On XX/XX/XXXX, I received a message from my HR department that a deposit was returned. I called Synchrony. Neither operator I spoke with, including a supervisor, could tell me why this deposit was returned nor why the restriction was still on my account. They stated they would have to submit another request, again to the " back office '', to lift the restriction and it would take 2-3 days. I stated I would prefer to just close my account, due to the extremely poor communication and results, and have a check sent to me. I was told I could not close my account until the restriction was lifted. After waiting, again 2-3 days for the " back office '' to process my request, there is still a restriction on my account and I can not access my funds through the ATM.
Consumer complaint received 2016-06-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc. (FL)

I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.
Consumer complaint received 2023-06-01
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. (OH)

Subject : Request for Immediate Removal of Fraudulent Accounts and Unauthorized Hard Inquiries I am writing to inform you that I have recently become a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. As a responsible consumer, I am taking immediate action to rectify this situation and request your assistance in removing these fraudulent accounts from my credit report as soon as possible. 

The following is a list of fraudulent accounts that have been reported to my credit report without my authorization : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX Account number : XXXX 6. Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX 7. Account name : XXXX XXXX XXXX XXXX Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure that the information furnished on my credit report is accurate, complete, and verified. These fraudulent accounts clearly violate my rights as a consumer and are causing significant harm to my creditworthiness. 

I kindly request that you investigate these fraudulent accounts promptly and remove them from my credit report within four business days. Failure to do so would be a violation of the FCRA and may result in legal action being taken against your organization. 

Furthermore, I have noticed the presence of unauthorized hard inquiries on my credit report that are not associated with any open accounts. These inquiries were made without my written consent and are adversely affecting my credit score and my ability to obtain credit. I demand that these unauthorized hard inquiries be immediately removed from my credit report. 

I must emphasize that I do not wish to receive a response from e-oscar or any automated system. I request that this matter be handled by a competent human being who can provide the necessary attention and ensure a proper resolution. 

I urge you to take immediate action on this matter and provide me with written confirmation of the removal of the fraudulent accounts and unauthorized hard inquiries from my credit report. Additionally, I request that you block the information related to these fraudulent accounts to prevent any future reporting. 

I expect your prompt attention and resolution of this matter within the stated timeframe. Please note that any delay or inaction on your part may lead to further damages and will be duly documented for potential legal recourse. 

Thank you for your cooperation and assistance in resolving this distressing situation. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2024-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (CA)

I received a demand letter dated XX/XX/year> from Aldous and Associates in the amount of XXXX for an amount owed to XXXX XXXX. Upon receipt of this correspondence, I immediately called them to inform them I never opened an account with this company and have never ever been to a XXXX XXXX in my life. I sent them a certified letter stating this debt does not belong to me and to immediately stop the collection process, however. I was just notified by XXXX that on XX/XX/year> a collection was put on my credit report. I, yesterday, XX/XX/year> called them once again to resolve this issue with no avail. My XXXX credit report dropped about XXXX points due to this frivolous collection attempt. I also called XXXX on XX/XX/year> and filed a dispute accordingly and put a freeze on my credit report. Please have them immediately remove this collection item from all Credit Agencies.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CT)

My credit report with experian has several accounts for southern ct gas which has XXXX balances, XXXX with account number beginning with XXXX and the other beginning with XXXX which should have been deleted off my account. I should only have XXXX bill on my credit file and that is the one with account number starting with XXXX which is current. I am not sure why the other XXXX have n't been deleted as of yet.
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (CA)

I am unable to close my account and withdraw my funds from TD bank within a reasonable amount of time. In my experience trying to resolve this with TD bank, I was came across predatory practices that allow TD bank to withhold funds from customers. They have put many inconveniences, delays, and barriers that prevent customers from accessing funds in a timely manner. 

I wanted to close my TD bank accounts and had about {$22000.00} in there that I wanted to transfer out. I first tried to transfer the money through their website, but it said there was a 30 day rolling limit of {$5000.00}, so I called customer service to see how else I can access my funds and close the account. 

XXXX/XXXX/23 : I called TD bank, and explained the above situation to the representative. I asked them to close the account and issue me a check for the funds I still had in the account. They went through several inconvenient, unreasonable, and non-viable options with me : -they can only close my account if I had a zero  balance. But they could not issue me a check to zero my balance because the largest check they can send is {$100.00}. 
-withdraw funds by going into a bank : There are no TD banks in southern california where I reside. 
-withdraw funds using a debit card. This is much less secure than a online transfer, especially for substantial amounts of money. 
-withdraw funds using a check. It takes 2 weeks to order checks, compared to minutes or days for an online transfer. 
-request a wire transfer from my receiving bank : I have never heard of initiating a wire transfer this way, and tried going to two different banks, both of whom where unable to do this. This wasted time and effort. 

XX/XX/23 : Since the wire transfer did not work, I call TD bank again to discuss other options, but was told there was nothing else they could do, and that the limits are their for my own security. The limit for external transfers from TD is {$5000.00} every 30 days. This is very low. In contrast the limit for transfers in to TD is much higher, {$20000.00}. I was told that the limit is low because my external account hadn't been connected to my TD account for more than 90 days. That is a absurdly long amount of time to withhold a customer 's funds for.