davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I was trying to sell a XXXX XXXX XXXX  on XXXX for my mother. On XX/XX/21, the buyer XXXX XXXX said he would send me a cashiers check. He then texted me saying that his accountant accidentally included his daughter 's allowance in the check and if I could send the extra money to his daughter and for me to keep an extra {$50.00}. I was asking {$110.00} for the jacket. The check he sent was for {$900.00}. When I got the check on XX/XX/21, I asked how can I send his daughter the difference. On XX/XX/21, he sent his daughter 's XXXX account info as XXXX Name : XXXX XXXX. I sent {$740.00} to that account. The next day on XX/XX/21, he texted me saying that his daughter does not want the jacket anymore. He requested me to refund the rest of his money and for me to keep {$20.00}. He gave me another XXXXXXXX  account XXXX Name : XXXX XXXX. I sent {$140.00} to that XXXX  account. I talked to XXXX XXXX XXXXXXXX on XX/XX/21, and they told me that there was a hold on the check he sent me. I have reported this case to my local police department, XXXX, XXXX  XXXX XXXX, and XXXX. Is there anything that can be done to escalate the case and recover my funds? 

Another case I'd like to report. 
Today on XX/XX/21, my mother wanted me to contact XXXX  customer service to resolve some fraudulent activity from my account. She found the number for XXXX customer service from a XXXX search. The person on the phone said his name was XXXX XXXX and that he would help get my money back from some previous transfers. I just have to follow his instructions. He had me download an app called XXXX. I followed his instructions. Then, he told me to open the XXXX service on my XXXX XXXXXXXX XXXX app. He said he was going to freeze my XXXX account. He provided me a phone number XXXX. A name with that phone number popped up- XXXX Then he told me to enter XXXX on the next screen and to click continue. The next thing I know I am sending {$490.00} to this number. He said my account was frozen and that I had to follow these instructions for verification. Then he had me download a XXXX app and XXXX XXXX from the XXXX XXXX XXXX. Then he told me to go back to the XXXX  account and repeat the process, but this time to enter XXXX. So the same thing happened again except this time I am sending {$490.00}. It sounded pretty fishy. So I later hanged up the phone. Is there any way I can get my money back?
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

I obtained a mortgage from XXXX XXXX in the amount of XXXX on a propert valued at XXXX which was appraised by XXXX knows properties, an affiliate of XXXX XXXX, in XXXX of 2020. It was then transfer to specialized Loan Servicing. I contacted specialized Loan Servicing to find out why I was being charged pmi when my loan to value was only 35 %. They told me they would send me a letter that would explain the pmi and how to remove it and it would take about a month to receive. I never received the letter so I called them back after about 3 months. They proceeded to tell me that the reason they denied the removal of the pmi was that my loan to value was 92 % even though according to their own appraisal it was much lower than that. I asked the person how to fix it and he said he would send me a letter explaining how to get the PMI removed which of course will never get sent out or will be denied just like the last time they supposedly sent out a letter.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/21 is fraud happened XXXX lost money from checking account from Bank of America, XXXX, XXXXXXXX XXXX XXXX  I don't have any account with those organizations.
Consumer complaint received 2024-09-25
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (SC)

Attempted to pay off collections so I can move into another apartment. The collection agency has been using rude tactics, not willing to provide a payoff letter with any amount paid to them. Also, I was told by the collection agency that a settlement can take place, but they have not provided a settlement letter. The agency is also not authorized to take any debt in the state of XXXX XXXX. Im confused about what to do with this agency.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ( LATE/CLOSED ) XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; ( CHARGE-OFF ) XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; ( COLLECTION XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Opened XX/XX/2019 Balance {$0.00} still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO. 

XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Opened XX/XX/2019 Balance {$0.00} ;
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (TN)

I have sent Barclay Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both inXX/XX/XXXX) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and for them to provide any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I spoke to XXXX on XX/XX/2021 with regards to an open misapplied payment by SPS back in XX/XX/2021. I have called numerous times to and spoken to both SPS representatives along with Management to resolve this misapplication of my payment every time both the representative on the phone and the management assured my that they saw the misapplication of the payment and not to worry that it would be resolved shortly some representative would say within 5 days some managers would say 45 days. I waited patiently relying on SPS to rectify this situation. I was told that there would be no 30 day late on my mortgage and my credit report would not be affected. It is now XXXX XXXX at XXXX pst and I still have no resolution. I had no date that anyone can give me with a date certain on the resolution of my issue. I look forward to having this addressed.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts/inquiries in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated these reporting accounts/inquiries as unverified information without providing any proof within the period allowed by law. The following accounts/inquiries need to investigate and correct for erroneous reporting in my file and are listed on my credit report : INACCURATE ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00} ; INQUIRIES : XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

They promised that they will remove derogatory information on my credit within a couple of months and have been charging me {$130.00} a month for about 9 months with no result. I just uncovered that those fees were illegal because they were not supposed to charge me until thy resolved my issues. They kept charging me for months with no results.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Account was not paid late. Account never hit payment of 30 days late. Customer was in ICU with XXXX and no one at the creditor would talk with anyone but him to take the payment. Payment was made but applied to different account by mistake and they would not work with or correct the issue till they talk to the customer who was fighting for is life
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-06-09
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: Experian Information Solutions Inc. (TX)

I, On XX/XX/XXXX, received confirmation that my account from XXXX  XXXX ending in XXXX has officially been paid off in full. I also have received notice that the account will be resolved, however, I have yet to see any changes occur.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-02-13
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. (FL)

Equifax stupid system only scans dispute letters and assign automatic codes to generate AUTOMATIC RESPONSES to consumers and does not resolve the complaints!! 

This is a terrible process and not only it frustrates Americans who have to try over and over and pay out of pocket mailing expenses to fix an issue, most importantly, it causes NEGATIVE REPUTATIONAL AND FINANCIAL IMPACT to millions of American due hefty and completely unnecessary financial charges when Americans apply for credit with incorrect and subpart credit caused by these shady Credit Bureaus. 

A human does not partake in the dispute process thus even after XXXX dispute letters, Equifax keeps reporting my XXXX accounts as open however these accounts were sold/transferred to PFCP ( which already show on my report ).
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Sunnova Energy Corporation (NJ)

I live in XXXX XXXX, and we own solar panels that were installed on our home a few years ago by a company called XXXX XXXX, this company is wonderful. My familys complaint is with Sunnova, the company that financed the solar panels for us. We had no issues during the first couple of years of our business relationship, but in XXXX of XXXX when I logged into the state exchange to sell our solar credits for cash, I found out that something was broken in our system. 

We had generated XXXX XXXX from the beginning of XX/XX/XXXX through the end of XX/XX/XXXX. The going rate of XXXXXXXX XXXX  of energy in XXXX for me was {$220.00} per credit, meaning that my wife and I, as well as my XXXX XXXX children are owed {$2400.00}. I called XXXX XXXX and they sent someone out to see what was wrong with my system, and figured out that an inverter was broken and needed to be replaced. When that was replaced, my old credits disappeared with the inverter. 

Additionally, the inverter breaking meant that even though we were generating solar energy every day, my XXXX XXXX panel showed XXXX XXXX generated for the months of XX/XX/XXXX through the end of XX/XX/XXXX. 

XXXX XXXX officially replaced the inverter on XX/XX/XXXX, and on XX/XX/XXXX, I reached out to Sunnovas customer service via email, formally trying to file a loss of production claim. The terms of my signed contract with Sunnova are quite clear that they are the provider and that they would provide a loss of production guarantee and that this would be within the 30 days. 

I have received specific promises over the phone and via email from customer service and resolution specialists who start off making me feel like this is going to be resolved soon, to then reverse course with weeks of ignoring my phone calls and emails. 

They approved {$920.00} on XX/XX/XXXX, for the XX/XX/XXXX XX/XX/XXXX production case. I have asked repeatedly where this money is, and I keep getting ignored or told things are still pending. Earlier this week, I got conflicting emails from two different agents at Sunnova : one told me my case was closed and another it was still pending! 

It seems that Sunnovas strategy is to wait until I surrender, which I have assured them I have no intention of doing, which is I why I reached out to the CFPB. I had hoped it wouldnt come to this since my wife and I pay them on time every month and have contract with them for just under {$35000.00}.
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (FL)

I came across information re the overdraft lawsuit with regions. I have incurred overdraft fees and held deposits over the XXXX years of banking with them. I have complained for years. Commonly about my deposits going in after transactions to cause the overdraft fees. I would like to be added to the current overdraft lawsuit if I am able.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of XXXX  and XXXX.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-06-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Blackstad, Hrabe, Kirlorsky, LLC (CA)

I have auto debt from XXXX XXXX XXXX in AZ. I was not able to pay for the car note so they came to repossess the vehicle. After they repoed the car a company named BHK Financial in AZ started contacting me about the debt and repaying the amount. At first, I started paying what I could which was about {$100.00}. After the pandemic hit I was not working ( BHK was notified ) and I couldn't pay for a few months. 5-6 months went by and they contacted me asking if I was able to find employment. I let them know that I did find a job and that I was willing to continue payments. However, after a month or so, the representative called and told me that they needed more money to close the file and that their " client '' ( XXXX XXXX XXXX ) will not accept my small payments. He told me I needed to start paying {$1000.00} a month to close my file. After I told him I was not able to pay that much he let me know that their client will take legal action to get all the money from me ( and the lawyer fees ). After that conversation, I decided to stop sending payments and find help ( found CFPB ). Since that time I have contacted BHK to make another payment on that account. They let me know that their client may not accept my payment as they are looking to take legal action.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MD)

Following my divorce in 2014 I had to rely more on my credit card purchases. Over the past five years I've accumulated some sizable credit card debt. Prior to my divorce I never carried a balance on any of the eight credit cards that I possess so managing credit card debt was a new challenge for me. With that said, I am very concerned about the amount of fees/interest that Citi Bank has been applying to my balances. I would voluntarily allow any federal regulator to review my entire file with Citi Bank. I'm confident that there is an enormous amount of egregious violations with my credit card statements with Citi Bank.