davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-02
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. (FL)

the credit bureau Transunion has sent me a letter asking me to show additional information regarding who I am. However, I supplied them with a copy of my drivers license and a picture of mail that arrives to my residence with my name and address showing. they are asking me for a full social, which is not needed. I believe that this is a stall tactic on their behalf. in addition, the credit bureau states that they have verified all the information at hand. i ask them to please send me proof of how it was verified as accurate, and they have failed to do so. i need to see verifiable proof of how these accounts were verified and that they indeed belong to me. itemized bills are not sufficiant.
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SOUTHSTATE CORPORATION (NC)

South State Bank has recorded three late payments and reported that on my credit score to the credit bureau 's, I have attached both my email exchange and their response back to my query. I'm contesting the Late payment Charge for the XX/XX/2017 payment where the payment due was {$4400.00} and I made a payment of {$4300.00} which was simply an error of {$38.00} in my calculation. I contested this late payment filed by SSB since it was a small amount and they had not reached out to me or sent me any communication of the shortage of {$38.00}. I quoted CFPB articles that protect me from unreasonable practices and predatory lending processes where they are trying to ruin my credit score for {$38.00}. Response I got is attcahed where they have refused to acknowledge the CFPB guideline on servicing.
Consumer complaint received 2020-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I had previously submitted the following complaint regarding a Bank of America practice of limiting the options for customers to contact it. 

" Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns. '' Bank of America has not uploaded its response to that complaint to the CFPB portal and thus did not provide CFPB or others who may have examined my complaint and the company response an opportunity to see a clear inconsistency in company 's response which contained factually false information. 

The original message from Bank of America that I file a complaint about contained the phrase " Please do NOT send any physical mail to this address, especially mail containing sensitive information. '' stating that I CAN NOT send any mail to the company. 

In its response that the company forwarded directly tome and had not uploaded to the CFPB portal it claimed that the exact same address CAN be used for snail mail correspondence. The company has not said anything that the information in the email message was clearly discouraging consumers from sending physical mail to.
Consumer complaint received 2021-01-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-02
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: Navient Solutions, LLC. (GA)

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter XXXX from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and Navient is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to Navient. Navient reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as Navient took over the account XX/XX/XXXX. With interest, Navient is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX  and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring Navient to prove the {$30000.00} in loan as Navient can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have Navient provide copies of loan contracts that I signed both to me and to the credit bureaus. Navient has not provided me with one lender signed loan contract. I am requesting that you mandate Navient correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If Navient can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my Navient account as a straight principle payment. XXXX, with Navient stated today XXXX XX/XX/XXXX XXXX on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include Navient.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (LA)

This company calls multiple times a day, from several different numbers. Calls so far today, XXXX XXXX and XXXX XXXX. Yesterday, XXXX XXXX and XXXX. Friday XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2020-11-02
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. (TX)

XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeCharge Card Balance {$0.00} Date Opened
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

I am making a complaint against this company because they are refusing to re-investigate a public record that is currently reporting on my credit report. I have submitted documentation that I have submitted an Identity theft report and that the validating company, XXXX XXXX has nothing to report to the bureaus that would support its needing to be on my credit report. 

I am currently suffering due to negative remarks on my credit and I am not allowed to obtain credit due to this inaccurate reporting.
Consumer complaint received 2024-09-02
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 2020-11-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (HI)

According to XXXX an attempt to collect a balance of {$260.00} was issued and XXXX and XX/XX/XXXX by Southwest Credit for XXXX. I did not receive a written statement from SouthwestCredit in XX/XX/XXXX. As of XXXX XX/XX/XXXX, I received a written notice for the aforementioned amount. Although, the written notice does not indicate or have the verbiage that states that I can file a dispute. As of early XXXX ( date unknown ) I have since moved carrier and have not held an account with XXXX. Additionally, I am currently disputing a phone number ( XXXX ) XXXX in XXXX that is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in South Carolina. I have never been to South Carolina or attended services in that church.
Consumer complaint received 2019-12-10
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: Forster & Garbus LLP (NY)

I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get XXXX XXXX XXXX to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with XXXX directly. XXXX sold my account to a collections agency ( Forster Garbus ) and the collections agency had taken me to court in  which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, Forster Garbus submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX  weeks ago and it's still on my report. Forster and Garbus were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.
Consumer complaint received 2019-12-10
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: CITIBANK, N.A. (OH)

On XX/XX/XXXX, I purchased a sofa and a love seat from XXXX XXXX XXXX for {$930.00} with my best buy visa credit card. The furniture was scheduled to be delivered in two weeks, which the merchant failed. Six weeks later I contacted the merchant through email and I was told I am the wrong person. I text them back again and no response. So I disputed the purchased. A week later the furniture was delivered and I called to cancel the dispute. On XX/XX/XXXX, the merchant texts me for his money, I called the BestBuy credit card customer service and was advised by the customer service representative to go back to the store and pay. On XX/XX/XXXX, I checked my statement and saw that the merchant was paid {$930.00} on XXXX the XXXX the same amount I paid on XX/XX/XXXX. Even though I did not have enough money in that account. I was given overdraft which ruin my credit score and they started charging me huge interest. I called them and I was told to go back to the store. The store manager told me, that they never received payment twice and that I should follow him to his bank which was not the right thing to do. I went to the store with my sister, and we were almost beaten up. I disputed the XX/XX/XXXX, and nothing happened and now the XX/XX/XXXX dispute, I have not heard anything. Any time I called to find out the status of the dispute they hang up on me. I just need my {$930.00} Back.
Consumer complaint received 2021-01-03
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: CITIBANK, N.A. (UT)

On XXXX XXXX I used Citibank credit card to make deposit of {$1000.00} on charter of sailboat in XXXX. Because of Covid I asked charter company to refund my deposit. They refused. Around XX/XX/2020, I disputed the charge with Citibank because pasengers were all over XXXX and more sensitive to Covid. 

I have endless documentation with the vendor to get a refund since Covid prevented nonessential travel. My XX/XX/2020 initial refund denial with the credit card did not include " merchants documentation. '' However, I continued the dispute and e-mailed my documentation XX/XX/XXXX. [ available on request ] The Citibank letter gave me until XX/XX/2020 to continue the dispute.. 

XX/XX/2020 from Citi : " the timeframe in which to resolve a dispute has passed. '' Huh?
Consumer complaint received 2021-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reel Time Capital LLC (OH)

I was notified through XXXX that I had a late payment that adversely affected my credit score. Upon further review of my credit report, I had a collection from a debt that is fraudulent listed from XXXX XXXX XXXX with the original creditor being XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Upon disputing this debt through XXXX, XXXX XXXX XXXX changed the original creditor to Reel Time Capital. The address listed for both XXXX XXXX XXXX and Reel Time Capital is for XXXX XXXX. Neither business is at that location. I've never been to Missouri or done any business with XXXX XXXX XXXX or Reel Time Capital. I've now incurred costs related to this in time to lock down my credit at all three credit bureaus and paying for a monitoring service. My credit report shows an account opened at XXXX XXXX XXXX at the address above on XX/XX/2020 for {$960.00}. XXXX XXXX XXXX issued a collection in XX/XX/2020 for {$960.00} and had it listed my credit report for late payment and collection. I have not been contacted by either company at any time. I'm not sure if this is fraud by XXXX XXXX XXXX or if this is identity theft and my information was used at XXXX XXXX XXXX and now XXXX XXXX XXXX is now involved somehow. Either way this is identity or theft by an unknown person or XXXX XXXX XXXX.
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hi, I hope you are well. 
So what happened was that I was just trying to sign up for TransUnion and it needed a debit/credit card for " verification ''. Then I was immediately charged {$26.00} on the day of this email. I looked around the internet and saw they people were also charged an amount without them knowing the price they had to pay. What if the fees were {$100.00}? What if it was higher and none of the people who put in credit card info did not know they were going to be charged. This is not right, no price is specified by TransUnion and they are just going to charge us? For example, it could be like XXXX XXXX telling me to put in my card info and then automatically sign me up for 1 year of apple music worth {$50.00} per month without me knowing. TransUnion needs to specify what price or what the service amount is before charging us. I already emailed them and contacted my bank. This is not fair to consumers.
Consumer complaint received 2024-10-04
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX, a negative mark pop up on my credit for my best buy credit account. from a purchase back in XX/XX/XXXX and since no payments were made it came up as a negative mark on my credit report. I was not aware of this purchase. I looked for my card and realized the credit card was not in my possession. I quickly called the toll free number to report it. They took all my info they said they would investigate and send me a written correspondence. I received the letter stating that they recognized it was fraud, credited the account and the letter stated it will have my credit files updated. 

They were removed and eventually put back. I disputed it XXXX twice and both times they said the information was correct.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (OH)

I am trying to close my checking account with U.S. Bank due to charges coming through that were not mine and they refuse to close it due to it being in the negatives from these charges. I have tried to resolve it with there fraud department and they have claimed that they do not know how to fix the problem and continue to charge me fees putting it farther in the negatives.
Consumer complaint received 2020-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AL)

Shellpoint, continues to use abusive and harassing debt collection practices. They also, committed mortgage fraud. I have settled once with them and they refuse just like Ditech did in properly entering the judgement into their system. They now claim the trustee did not pay them the money for our bankruptcy chapter XXXX. Which violates my automatic stay again. I am tired of the fraud this company has committed for the second time in just a few months. I also, contacted their lawyer XXXX XXXX letting him know they continue to violate my automatic stay and falsify documentation.
Consumer complaint received 2020-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has placed a lien on my property for a credit card debt that was not mine. I have called several times to make them aware that the lien was not mine or my spouse and was told I could not speak to the person handling the issue. Ive written several letters and have not received a response I was made aware of the lien when I attempted to refinance my home. I was unable to refinance and lower my interest rate. This caused great financial hardship. I am in the process of selling the property and unable to do so due to the false lien.