davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
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. (CT)

I already reached out to Transunion and notify them of their error posting of information on my report. I requested for Method of Verification mailed last XX/XX/2020 but have failed to respond in a timely manner. I did not receive what I asked and these violations still persists on my credit report. The absence of method of verification FCRA 611 and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitute proper debt validation
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank/Amazon is reporting bad information to my credit bureaus that has caused major harm to my credit. I had an Amazon Store Card years ago and fell behind on payments as a financially struggling XXXX XXXX. I settled the debt with SynchronyBank/Amazon back in 2016 with the agreement to remove the collection and no longer report to my credit. Amazon is still reporting late payments to all my credit bureaus. This is highly unfair and they did not comply to our original agreement. This is negatively impacting my credit. Please Stop reporting this outdated settled account to my credit bureaus.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (PA)

Hello I had over {$500.00} waiting to be deposited into my bb & t checking account but because of the long weekend I knew it wouldnt hit until Tuesday Monday evening I instant transferred some money into my account so I could purchase shipping labels from XXXX for my buisness and knew I was cutting it close but should have been enough to cover the {$36.00} in XXXX costs When I woke up Tuesday all was normal in my account and had over {$500.00} as expected Wednesday goes by same thing I went to bed with {$440.00} in my account when I woke up I had a slew of emails from bb & t and {$200.00} in my account They charged me {$210.00} in over draft fees for the labels Monday night Tuesday morning before the account hit I called and asked since I had the money technically at all times and may have been a dollar or some cents off if they could adjust the fees especially since I have never asked to get my overdraft fees removed when things like this has happened before They said bb & t had strict policy there was nothing they could do I was transferred multiple times and spoke to 2 different managers they just said that they marked my account that I had already asked and they said no and now no one will talk to me This is nothing short of robbery If I had been charged an overdraft fee they should have done so once not kept pinging my account they held my funds and then took them away days later
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: United Credit Education Services (GA)

I am writing to express my dissatisfaction with the UCES staff in particular an agent by the name of XXXX XXXX. On Thursday XX/XX/XXXX, XXXX XXXX and I were on a social media forum called XXXX and she and were having an exchange of words when she broke agent-client confidentiality and violated my Personally Identifiable Information by revealing in the very public forum of 154 people in her own words " your credit still XXXX because you could not DIY ( do it yourself ). To express that gave the impression that she still access to my personal credit file, that she still had my Social Security number and could pull my credit report whenever she felt like it. I have not been a client of UCES since XX/XX/XXXX, so how would she know the status of my credit information if she did not have access to that type of information. I feel uneasy, disappointed and utterly violated. I contacted the person who brought her into UCES. His name is XXXX XXXX, who then contact his Regional Vice President whose name is XXXX XXXX. They both stated that they would reach out to me on Friday XXXX XXXX and today is Wednesday and I have not heard anything from either party. I will continue to file my complaints until a resolution is made in this very humiliating situation. Whos to say that when she gets in a fit of anger won't do this to someone. This happened to me and I am deeply hurt by the lack of integrity, professionalism, discretion, morals and over all code of ethics this individual failed to display. This person is representing you UCES and I would think you would have acted quickly on this situation.
Consumer complaint received 2021-07-14
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: EQUIFAX, INC. (NV)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission and the latter was truth and lending act to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

I WAS A VICTIM OF IDENTITY THEFT AND I FILED A IDENTITY THEFT REPORT ON XX/XX/2019. IDENTITY THEFT REPORT # XXXX. I SET UP A IDENTITY THEFT PLAN WITH FEDERAL TRADE COMMISSION. IT INCLUDED CERTAIN ITEMS ON MY REPORT WHICH WAS REMOVED BUT XXXX  AND EQUIFAX REMOVED THE ITEMS BUT PUT THEM BACK ON MY REPORT 'S BUT IN A DIFFERENT COMPANY NAME. I GUESS THEY SOLD IT TO ANOTHER COMPANY. I DON'T UNDERSTAND AND DO NOT KNOW WHAT TO DO AT THIS POINT. I HAVE WRITTEN THEM SEVERAL LETTERS BUT YET AND STILL CERTAIN ITEMS STILL REMAIN ON MY CREDIT REPORT 'S AND KEEP COMING BACK ON THEM. THE NAME OF THE COMPANIES THAT STILL REMAINS ON MY REPORT WITH EQUIFAX IS PREFERRED COLLECTION WHICH ONCE WAS XXXX XXXX XXXX. IN THE AMOUNT OF {$380.00}. THE NAME OF THE COMPANY WITH XXXX  IS XXXX XXXX BUT IT HAS NO AMOUNT ON THIS ACCOUNT AND THE NAME OF THE OTHER ACCOUNT ON XXXX IS XXXX   NAME WAS ONCE WHY NOT/XXXX IN THE AMOUNT OF {$390.00}. I NO NOTHING OF THESE ACCOUNTS.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On the evening of XX/XX/XXXX, I received multiple XXXX # calls that I declined. I was left a voicemail stating that it was Chase Business Fraud dept. while listening to voicemail, the number called again so I switched over. The person said he was a Chase representative, and did I authorize a XXXX transfer to a XXXX XXXX, I stated that I did not. He then stated that we need to do a XXXX reversal. He said he needed to verify my identity, at which time, I told him that I needed to verify his identity first since he called me. He said he understoon, and that I could look at the back of my Chase Business Debit card, and the number on the back would match the number he was calling from. I verified that was accurate. He then gave me my husband 's last 4 numbers of his telephone but he wanted to verify his last 4 of SS #. I gave him the wrong number, he stated that did not match what he had... I told him I was still nervous so I gave him wrong one on purpose. He then was able to give me my husband 's information. He then said he needed me to login to my mobile banking, then go to XXXX. He told me to put MY information in there... telephone number, name, and that it was a reversal. I could only do it in {$5000.00} increments daily but the total of the withdrawal was {$25000.00}. The person proceeded to call me the next day to do the next reversal... I informed him that my Chase acct was locked. He then said he needed to get with his back office to unlock that, and put me on hold. When he came back to the phone, he asked me to try it, and it was unlocked. I realized it was fraud on Sun XX/XX/XXXX. I was at the local Chase branch, as soon as they opened on XX/XX/XXXX. The local branch called their claims/fraud dept. to start a claim. The local branch representative felt confident that I would get my money back but when the fraud dept came back on the phone, they told her that they will not cover a scam and didn't consider it fraud. I have since learned of this happening on numerous occasions, and one particular case Chase did end up refunding the money to the customer.
Consumer complaint received 2020-06-05
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: WELLS FARGO & COMPANY (NV)

I purchased a XXXX XXXX XXXX from XXXX on XX/XX/XXXX. Wells Fargo Dealer Services were the bank that financed the car. During the ownership of the car, it needed {$7000.00} worth of repair services that did not make sense within the first year of ownership. I contacted Wells Fargo to inform them. They put 2 payments in the rear of the loan to assist me. However, the loan was 2 months behind. I did not receive any phone calls or written notifications that the car was in repossession status. I have sent certified letters on XX/XX/XXXX asking for validation and proof on how the car was repossessed. 

I was living in XXXX XXXX XXXX at the time of the repossession. The repossession company violated my rights by taking possession of the car in my underground garage which is locked and only accessible with a remote control. I have been contacting Wells Fargo for well over 2 years trying to get written proof of everything and I have not received it so I am filing a complaint here and my next move is the Attorney General. Wells Fargo is well known for their fraudulent practices
Consumer complaint received 2019-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was approved by capital one for a credit card, they sent me a credit card. I was then told to submit documents to verify my identity. I do not have drivers license. So I spoke to a manager and was told to submit alternative documents. Once I did this, another manager deniedy credit card being unflagged and just stated that the other managers directions and request for documents do not matter. 

This happened on XXXX XXXX 2019, I spoke to Ms. XXXX who's ID Id. XXXX My case number is XXXX Ms. XXXX who is a manager told me to send my documents to the secured link, which I did. 

After the seven days I was then denied and told by Ms. XXXX that what Ms. XXXX told me doesn't matter and my credit card would not be activated. 


My credit score has decreased and I am being discriminated against although I was approved and passed all the requirements to get the line of credit.
Consumer complaint received 2019-11-30
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. (NV)

On XX/XX/XXXX, I submitted a dispute letter to all 3 Major Credit Bureaus about accounts on my Credit Profile that was inaccurate. All The major credit Bureaus submitted me an reinvestigation completion letter on XX/XX/XXXX. 

The reinvestgation letter stated that all accounts have been confirmed as accurate and that the investigation was complete. On XX/XX/XXXX, I submitted a 2nd letter to all major Credit Bureaus asking them how did they verify this information and I would like Validation from them as to who they spoke with verifying this information. 

All 3 Major Credit Bureaus have yet to provided me with validation information on how they confirmed these delinquent accounts were mine. They have yet to respond accurately to my second letter. Instead, these major credit bureaus have ignored my dispute letter and letter of validation. I have yet to receive an accurate response and validation of my accounts. It has been over 30 days since my 2nd dispute letter.
Consumer complaint received 2021-12-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

For the past year I'm asking Tranusion and XXXX to VALIDATE the " Alleged LAte Payment '' on my account but they never investigated it. Account show as " verified '' since XX/XX/2020 but it's not ACCURATE and there's another error in the PAYMENT HISTORY that was never VALIDATED VERIFIED or INVESTIGATED and it hurts my SCORE and rEPORT. 
I've sent at least 12 letters with my personal identifiers since XX/XX/2020 and never got a letter back for the bureaus with results, or the creditor about the account. 
Also Have a PAID COLLECTION on XXXX that still reports BALANCE!!!
Consumer complaint received 2019-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Upon reviewing the information I sent to you all and reading Equifax 's response regarding the addresses being removed, I see they have deleted all addresses except XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I have already sent them the credits reports to you all that you all have sent to Equifax that it too should be deleted. My dispute regarding the removal of addresses has been ongoing for 3 months. Please resend this complaint and have them removed that address as well. It should have already been removed.
Consumer complaint received 2019-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

Convergent Outsourcing Inc has been trying to collect a debt that I do not owe ( from a XXXX bill ). I have sent them three letters ( certified ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting them to validate such debt. COI response has always been " we have completed our dispute investigation ... .debt is valid '' and they attach a XXXX Bill dated XX/XX/XXXX. This document does not verify the validity of this debt.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

On XX/XX/XXXX of 2017, I reacted to an offer made at an XXXX  retail store in XXXX NJ. I was trying to replace a XXXX XXXX  XXXX to the latest version, XXXX  XXXX. The salesman convinced me to take the package deal that included XXXX, and so I agreed and was expecting my new phone to arrive in the mail. On XX/XX/2017 I received the phone and it was not the model that I was supposed to get. 

I immediately returned the incorrect phone and asked for the proper phone o be sent. I was told that the phone was not part of the package so I cancelled everything but my wife 's XXXX. 


No phone, no telephone service and I have been subjected to harassment 's ever since this event. My credit score is near perfect and has been for a very long time. After the confirmed cancellation apparently XXXX XXXX XXXX sent my account to a collection agency. I refuted it through one of the credit reporting agencies, XXXX and the matter disappeared for a while until I suspect the debt collection company sold it once again to another company which is where we are now. I am harassed daily by them with phone calls. I recently disputed it one more time through XXXX. Went through the same fiasco with XXXX  and their handing of this is the most egregious. After what they said was an investigation and communication with this collection agency they had the gall to report t hat hey have determined that the debt was valid based on, get this, a certification made by the collection agency that the debt was valid. 

So that's all it took to continue this travesty. A certification without backup. 

My complaint is against XXXX XXXX XXXX for selling a fraudulent debt that they knew was invalid to a collection agency, who was grossly negligent and did the same and sold to the current collection agency, who has certified that an invalid debt was valid. What duty do these three have to take care that what they are doing is justified. I have suffered much emotionally in seeing my credit score maliciously attacked.
Consumer complaint received 2019-11-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (KS)

I am being over charged for this loan I called to make arrangements and the person was rude and said he wouldnt not stop the interest on the loan I am in a financial hardship the interest they are charging me is illegal. I borrowed XXXX and the loan is up to XXXX
Consumer complaint received 2019-11-30
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Loan Servicing Holdings LLC (CO)

I am filing this complaint against SPECIALIZED LOAN SERVICING ( SLS ). This loan has not been paid since XX/XX/XXXX. I hold the warranty deed to this property that the 2nd mortgage is on. It was said to be {$37000.00}. and it had ballooned to {$86000.00}. undisclosed until we went to sell property. I called the third party, the name on the loan, to ask for her to authorize myself and my attorney to speak to this. She provided this information and now they call her daily and ask her when this is going to be paid. my attorney has called and written a letter to SLS asking for an offer in compromise and they will not grant that. The statute of limitation is 6 years in Colorado and it has been 9 years. This loan is on a property in a third party name. I purchased the property while in a Foreclosure Training program that induced me to buy this property as a fix and flip. XXXX XXXX XXXX XXXX, XXXX XXXX, was the seller of the warranty deed. Mr. XXXX took this property fraudulently in XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and others were sued by the Colorado 's Attorney General in XX/XX/XXXX. 

The Attorney General 's report is listed as ASSURANCE OF DISCONTINUANCE UNDER C.R.S. 6-1-110 ( 2 ) Ms. XXXX XXXX XXXX, Reg. No.XXXX  Senior Assistant Attorney General. Her phone number is XXXX. I will include the letter my attorney sent to Specialized Loan Servicing.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: STATE FARM BANK, FSB (OH)

I opened a state farm checking account. I did send a check to them for deposit on XX/XX/XXXX. The check was verify that had funds and valid checking account. I checked if state farm recieved check which they did and process through on their end and did send cancelled check to the bank on XX/XX/XXXX. I went to make a bill pay on XX/XX/XXXX and state farm disabled my log in. They had to check with someone and call me back. No explanation. Funds were there one day and not there the next. The check I deposited had funds and is valid into my state farm account.
Consumer complaint received 2021-02-23
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 — Problem with personal statement of dispute
Company: I.C. System, Inc. (AR)

Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped 30 something points because of this. then dropped an addition 21 points and XXXX can't explain what happen.
Consumer complaint received 2019-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XXXX/XXXX/2019 Wells Fargo declined a transaction for the amount of XXXX when I was ordering on line from XXXX. After being notified that the transaction was declined I was advised that if I wanted my product I would need to reorder. About a week later I noticed that I had been charged the XXXX as well as the XXXX from the second attempt to reorder. I never ordered two beds. Had Wells Fargo not declined my initial transaction I would not have reprocessed the order. The price changed but the item was exactly the same. Wells Fargo has charged me the XXXX on XXXX/XXXX/2019 and are refusing to take financial responsibility for the incident.
Consumer complaint received 2019-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (OH)

Due to our mortgage company ( Amerihome mortgage ) misinforming us a payment was completely canceled in XXXX. We found this out in XXXX. As a result I called to set up a repayment plan and was told we had been approved to pay {$1200.00} a month and a letter would be sent to us to sign. This did not happen. As a result every month we have called and payed and were told since we were paying this was keeping us on the repayment plan and at one point they even changed our credit rating and reported we were current on our payment. This month we got a our mortgage bill and it had increased and did not show any evidence of the previous payments made at an increased amount. Upon calling them we were told that now our repayment plan had been denied and our taxes had gone up and that amount had been being put towards our escrow. Additionally they have turned around and reported us as missing a payment which has greatly impacted our credit score They were unsympathetic and have continued to lie every time we have called them. Please help.