davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Request for Investigation of Unauthorized Information Being Reported On Credit Profile To whom it may concern, I recently came across my credit report and saw there were errors on my report. I request the deletion of inaccurate information thats not verified thats on my credit report. Which is address XXXX XXXX XXXX, XXXX, NY XXXX & XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The only address that should be listed is XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. Heres a photo ID of where I live for proof
Consumer complaint received 2018-07-17
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. (GA)

Equifax was notified on XX/XX/2018, Of an account that does not belong to me. They was asked to submit physical proof that the accounts in question belong to me. Instead they sent a letter stating accounts was verified where's the proof.
Consumer complaint received 2018-07-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (GA)

I cosigned for a private student loan for my wife, who was my girlfriend at the time. They have sent court documents to my former residence. They have not tried or attempted to contact her. The law firm representing the loan company will not come to the phone or call my wife back. The loan was originated in 2008.
Consumer complaint received 2018-03-09
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: EQUIFAX, INC. (NY)

I show a hard inquiry in my credit report from the following : XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX When I tried to call number disconnected. A XXXX search reveals they have been doing this to many people. The XXXX XXXX XXXX XXXX XXXX has a note on their website about this
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

This is regarding a XXXX store card through XXXX XXXX. I had a payment due on XX/XX/XXXX, I have a automatic payment set up through them, which comes out on the due date. On XX/XX/XXXX, I realized that I needed to wait til XX/XX/XXXX to pay as I had some unexpected expenses come up. 

I called the # on my statement and spoke with a customer service rep. I let her know the above and she said I cant change your due date, I replied that was fine as I didnt want to change my due date, nor did I ever ask that, as I had asked her to move my automatic payment to continue in XX/XX/XXXX and do a 1 time payment for XX/XX/XXXX. She said ohhhh, ok as if she understood. 

She said so you want to cancel the auto payment?, I said No and I explained all the above again. She replied that wasnt possible and went on to explain she could cancel the auto payment and do the 1 time payment. I replied with, that doesnt make sense as I had done this with other banks in the past, but whatever.. if this is what they had to do then so be it. She went on to explain that to reenroll the auto pay, I would have to do it automatically online or fill out a written form. I did again mention that was very archaic to have to write in, and asked why I couldnt just do this over the phone. She said it wasnt possible. 

I said ok, cancel it, schedule my 1 time payment and Ill go online and reenroll. She said ok, then said this may take up to 72 hours to cancel. This is when I became angry. I had spent 10 minutes explaining the reason for my call, the payment was tomorrow, and why would you tell me you could do my one time payment for XX/XX/XXXX and stop my payment from processing XX/XX/XXXX if you knew there was a chance you couldnt stop a payment from processing on XX/XX/XXXX? ( Mind you online and on the statement it clearly states you can pay until XXXX XXXX  on the day of the payment due date and I was calling the day before ). She said she must have misunderstood me. I explained everything I said and she said yet again. She began stuttering and apologizing. I asked for a supervisor. 

The supervisor said all the stuff she did, except when I would talk, he would attempt to cut me off. He cancelled my payment on XX/XX/XXXX but still proceeded to say it might run anyways. That made no sense. He said she misunderstood. Again, I was very clear and repeateded what I needed on multiple occasions. He asked me is there anything else you need, or question I can ask I then asked why he was so rude and wanted to rush me off the phone and he said he was disconnecting the call. I replied wow, thats crazy, you guys just hang up on people who complain about your service that arent cussing and arent calling you names? He went on to say I hope you have a better day and hung up on me as I was talking. 

How is this acceptable?
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

I deposited a check for $ XXXX at my local Truist location. As she gave me the receipt, she told me that there would be a 10 day hold. I called later to find out why there would be a hold and they said they needed to verify the check. The check came from the XXXX of Minnesota. I asked if we could call together and they said no, they have to call on a recoded line. I asked what number they were calling and they said they couldn't give it to me. I told them that I found a number online with the State to verify checks. They told me they would work on it and get back to me. I called later in the day and they said that no one would help them verify it. I asked which number they called because I called the one on the website and that lady said she could verify and she answered on the first ring. I was told they were too busy to help and to call back tomorrow. I called back the next day and was told again, that no one would help them. I asked if they could verify the number they were calling or if I could give them a different number where I spoke to someone. They said no, and to stop calling. They said they would keep trying and they would call me when they spoke to someone. This is a government check, with multiple verification items on the actual check. This money was for my wedding that is in XXXX weeks and vendors need to be paid. They were rude and because I went to the branch, the XXXX customer service people said they can't help only the branch because the branch is the one who put the hold on. Online it shows the deposit and then right after they removed it and put the hold on.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

Good Afternoon, During the process of reviewing my credit report. I noticed the XXXX SCA Collections. It states that the file was opened on XX/XX/XXXX in the amount of {$65.00}. I contacted this company via certified letter asking for validation of this debt because the debt did not belong to me. I did not receive a response. I then contacted XXXX & XXXX credit bureaus via certified letter requesting the debt be validated or deleted and they sent correspondence stating the debt was validated but did not include any proof. I sent a second round of letters attempting to handle this matter. SCA COllections then sent an updated collections reports to the credit bureaus mentioned above on XX/XX/XXXX. SCA Collections license has been forfeited in the state of State of South Carolina & they are not authorized or licensed to collect on any debt, especially debt that does not belong to me. I have exhausted all options in attempting to getting this debt removed off of my credit report.
Consumer complaint received 2023-04-27
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo has fraudulently and unethically changed the Terms of my Mortgage. During the pandemic I legally took advantage of the Cares Act and did not make any payments for 16 months. During this time it was verbally agreed between myself and Wells Fargo that the 16 months would simply be put at the end of the loan. Which I had no problem with. I had already paid 8 years into my original 30 year loan. Unbeknownst to me, they changed it to a 40 year loan!! And have restarted collecting a whole new amount of interest. My previous payment applied {$260.00} to my Principle balance. Now, only {$130.00} is applied to my Principle. At the time of Loan Modification was to start after the Cares Act ended, a Notary Public came to my house with a stack of Papers to sign, which I did. But it was NEVER pointed out to me that the loan was now a 40 year loan! It was not talked about and was sneakily placed into the paperwork. I have a pdf copy of the agreement, but it is probably too large a file to add here. I can email it to someone when needed.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I have not looked at a statement from XXXX 's in a very long time because of auto pay. There is a {$15.00} monthly charge from " XXXX XXXX XXXX ''. This has been charged monthly since I opened the account 6 years ago. I feel XXXX for not catching it earlier. When I called XXXX 's account support they said I enrolled in the program when I opened the card and it was a separate company from XXXX's.They then transferred me to speaking to a " XXXX XXXX '' company representative who terminated the service but was only able to submit my request for a fee reversal. I did not willingly sign up for this. If it was a separate company from XXXX 's then they would be able to dispute the charges, correct? The XXXX 's rep said this could not be done. This is around {$1000.00} that I have been paying interest on. I am going to close my account and encourage others to stay away from this company that participates in scamming it's customers.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1990 i tried cashing q check the XXXX XXXX XXXX for XXXX and this was almost 7-10 YEARS go and the bank said they couldn't CASH IT BUT if I WAS TO DEPOSIT it into a bank account then I could bank with wellsfRGO AND pull my money out with my debit CARD AS I PLEsed Sso i deposiyed the whole check stRTED a bank account and asked if i couod with drawl XXXX $ from my account they said yes and they said XXXX they had to put XXXX of my money on hold until eveeythin wS COMPLETE and they were to put thT MOMEY BACK INTO MY ACCOUNT WELL I NEBER GOT THt momey back and XXXX XXXX of that about XXXX days lTER I WENT TO USE MY BANK CARD AND IT SAID INSUFFICIENT FUNDS SO I WENT TO THE BANK IN ARIZONA IN XXXX XXXX XXXX XXXXXXXX an XXXX XXXX and they said they put a hold on my account and froze my account that i woulmt not be able to touch my money for at least two weeks so inwas upset and un professional had words with the bank, anger and he ended up calling the police and had me trespassed so i couldnt go amd receive my money and i got that money from my mother passimg away and at the XXXX, XXXX it wS EVERYTHING I had and that really messed me up left me homless on the streets and for no reason i want to sue for this and i had no idea i couod but i eventually got my momey back accept fpr the XXXX $ they put on hold and never returnes to, me... So I would like to be compensTED FOR THIS OR I CAN JUST TAKE THIS TO MY Lwyer now that i know I do habe a case unless u guys want to, ake mw a decent offer and we cN SETTLE IT LIKW THat ....
Consumer complaint received 2023-04-27
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: Atlanticus Services Corporation (OH)

In XXXX of XXXX i had XXXX late payment due to a medical emergency, in which my husband had an injury that caused his left leg to be amputated that i want to provide documentation from the hospital to FORTIVA explain. I was reported to XXXX, XXXX and XXXX for the late payment. I called on XX/XX/XXXX and spoke to a representative to have my account reviewed and to see my otherwise excellent pay history and to get a goodwill removal of the late payment reporting. I was given a {$36.00} late payment fee credit, but that is not what i needed. 

On XX/XX/XXXX i was transferred to a supervisor named XXXX, who stated that there was no one higher up in the company that could help me. I asked if i could send him medical information and my sincerest apology but he refused. He stated that it is their policy to never remove credit reporting. I asked if he could send me that policy information in writing and he said he could not. He told me to review the credit agreement. I did review the credit agreement and it contradicts what he told me. They do not report late payments 100 % of the time nor do they say reporting can not be reversed. I never signed anything according to what he says their policy is on reporting. He then said, that is their policy and that he is releasing the call and hung up on me
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX and I have been a Citi credit card customer for more than 8 years. I have been a loyal customer and never missed a payment. Today I found that all five Citi credit cards, Citi XXXX, Citi XXXX XXXX, Citi XXXX, Citi XXXX XXXX, and Citi XXXX XXXX cards have been closed without any notice. I don't know what's going on since I can not recall anything I did wrong recently. I just use my credit card regularly and pay on time. One thing I remember is I lost my wallet in XXXX and had fraudulent activity on my XXXX XXXX  card which I reported it. Also, I downgraded my XXXX XXXX  card last week since I have severe lower XXXX XXXX issue and XXXX XXXX and can not travel for a while. Other than that I don't see I did anything suspicious that deserves to have all my CITI credit cards closed. I have been a Citi customer for a long time and please reinvestigate my case and reopen my account. Thank you so much!
Consumer complaint received 2023-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im not sure when the account was opened but I discovered the account last year in XXXX. XXXX XXXX has a fraudulent account with my information that theyve already closed and wont remove from my credit report. Theyve already identified a different number thats reached out to them years ago but still wont do anything to resolve the issue.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I schedule a online banking payment with my bank Capital one. Payment due date was XX/XX/ for the amount of {$510.00}. I was contacted by the other financial institute XXXX XXXX about payment not being receive. I then contacted capital one which told me a check sent and it should be receive by Monday XX/XX/23. Not only was the payment late but the check still was not receive XXXX  resulting in affecting my credit. I was ensured that the check could been canceled and I have access to the funds to pay the bill XXXX. Which was not so. Now here recently I received a different email from capital one stating the funds from a separate billings account was return into my checking account for {$78.00} on XX/XX/. The other institute said to call my back and Capital one said they dint see nothing.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TX)

Sent letter in  XXXX  for goodwill adjustment for the following periods :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  this request was denied.   I followed up and sent in a second letter via fax on  XXXX   XXXX ,  XXXX  to request that the delinquent status be removed since due to being granted retroactive forbearance is now being inaccurately reported as being late when. I received a phone call from their  Consumer Advocate center and they stated that they do not have to update what they consider correct information at that time period. Yet Navient refuses to correct and update this information standing behind thei r policies.
Consumer complaint received 2023-08-24
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. (MD)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

My Identity was stolen by a " ring '' of thieves who shared it amongst themselves and opened XXXX credit card accounts in my name. I already had XXXXXXXX XXXX XXXX  in place but had to call them that someone had opened an account in my name. 
I heard on the radio that claims made by credit cards have to be resolved in 60 days or that they have to drop the claim. This started in XX/XX/XXXX and XXXX says it takes a very long time, although some have been resolved. 
Since it has been over 270 days should my credit be cleared by now??? 
Also we were waiting for 2 years of tax returns from the IRS who said it was because of being understaffing during XXXX. Then, just when they said I was going to get it, my wife reported this ID theft and they put the brakes on me getting my return. They say that XXXX has to give the " all clear '' or some kind of XXXX for them to release it. Never mind I got my XXXX return just fine. Since I am a truck driver with a real ID Commercial Driver 's License, can the IRS be ordered to release my funds with my XXXX and an expired passport? I don't understand how I am guilty until I prove my innocence with these credit card banks that handed out cards in my name like candy w/o doing their homework.
Consumer complaint received 2023-04-27
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. (MI)

My new account is with XXXX. XXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX or XXXX. I want all XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.
Consumer complaint received 2017-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Seterus, Inc. (IL)

Response from SETERUS to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number. 
Summary judgment was not granted and there is a counter suit against SETERUS for filing a fraudulent complaint. 
SETERUS is in possession of a fraudulent Note. Their Note is missing my Social Security number. 

XXXX never lawfully filed foreclosure are in violation of TILA, FDCPA, FCRA. 
They are guilty of mortgage fraud, fraudulent misrepresentation, identity theft, forgery of my signature, harassment and invasion of privacy. 

XXXX XXXX XXXX was sued by the FED 's for deficiencies with these same documents used in this case. So these documents should have never be used in another foreclosure. You are next SETERUS and this time I pray someone goes to jail. 

SETERUS must Stop opening accounts and taking out loans in my name without my knowledge and consent. They are guilty of identity theft. 

XXXX XXXX XXXX your name will be added to the lawsuit for perpetuating the fraud. You are not the boss of me so do not tell me what to do. You speak to your attorney. In litigation is not an answer and has nothing to do with reporting SETERUS for debt fraud. 

SETERUS have no credibility and they owe me now for stealing my identity and other fraudulent activities. So SETERUS should Pay up or shut up! 

See attached documents for further details
Consumer complaint received 2017-10-24
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: EQUIFAX, INC. (NJ)

XXXX was suppose to remove over XXXX inquiries from my credit report. Instead they added over XXXX inquiries to my report that are unknown, and should n't appear. Specifically. Equifax mortgage with dates XXXX, XXXX/XXXX/XXXX. XXXX. Universal credit with dates of XXXX. XXXX XXXX was n't given permission to run my credit on XXXX/XXXX/XXXX. XXXX XXXX for on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX unknown. XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX was n't given permission to run my credit. XXXX was n't given permission on XXXX/XXXX/XXXX. 

These inquiries appear on all three bureaus : XXXX, Equifax, and XXXX. 

Please have these unauthorized inquiries removed immediately.
Consumer complaint received 2023-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (DC)

Collection agency has been harassing me since XX/XX/XXXX. This debt was expunged from record by XXXX in XX/XX/XXXX. 
Same agency sends more notices but under different agency name, same phone numbers on letter. I called several time. They told me to send them copy of my insurance card that I have had since XXXX. I have XXXX and XXXX XXXXXXXX. I sent this to them by email. 
I have requested medical records from hospital and have never received my records. Requested in beginning of XXXX and called several times to follow up and see where are my medical records from XXXX for this bill they say I owe. Have received nothing by USPS. Nothing!!!! 
XXXX expunged this in XXXX. Completely removed! 
Now it is listed on my report again that I owe {$830.00}. 
XXXX ) Sent them collection agency XXXX card. 
XXXX ) Requested medical records by emailing and calling and spoke to person. Nothing has been received at all. 
XXXX ) I do not even know what I am being billed for since I have not received complete medical records from hospital. My insurance info was sent to collections. I do not owe this bec I have received nothing from hospital!!!! 
This fake debt was removed by XXXX in XXXX!!!!!