davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (MN)

On XX/XX/2020 we proceeded to buy a used car through XXXX XXXX. Without problems we unlocked our credit information with XXXX  and XXXX. Equifax, however, did not immediately respond with unlocking our info, and I had to repeatedly navigate through their interminable menu ( providing the same personal authentication information several times ) before our credit information was provided to XXXX XXXX. 

Shortly after this we began communicating with our bank to consider refinancing our home mortgage. Again Equifax proved impossible to deal with. I have through their website changed my account password numerous times and when trying to log in, each time I'm told that the information I provide doesn't correspond with their info -- this, immediately after I've changed the password and clicked on " Log In. '' Likewise I was unable to unlock my credit information by telephone. I tried several provided phone numbers to no avail. Eventually the loan officer at the bank gave me a number, then another different Equifax number, and eventually I was able to unlock. But it took numerous attempts ( I estimate 9-12 times ) before success.I will now provide the most recent letter I received ( dated XX/XX/XXXX ) indicating that the password change has been successful. No, it hasn't been successful as of today ( XX/XX/XXXX ). 

Today I finally got through to a live individual in telephone customer service whom I asked to help while I was actively on Equifax 's webpage. After asking for personal information which Equifax should have had for years ( date of birth , street address, etc -- " In order to fill in some blanks on your account '' ) I was placed on pause -- and after about 4 minutes the call was dropped and I was transferred to an automated survey on how well Equifax does. I have not received a follow-up call from the same individual or from someone in his department to complete the correction process. 

I want to complain about the sheer resistance Equifax has shown toward customers and its failure to improve its customer service. To date I still can not access Equifax or my.equifax.com and must do so only by telephone.
Consumer complaint received 2020-07-29
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. (VA)

For months have tried to dispute with TransUnion & XXXX XXXX agency to investigate the collection account on my credit report. I have asked for billing statements, payment history, signed documents, etc. of payday loan. No response has been received from Collection agency ( XXXX ) other than a sending settlement payment arrangement and no response from TransUnion, other than " was previously investigated '' letter. According the Fair Credit Reporting Act, I am due a full investigation, proof of such, and correct reporting on my credit files. I have asked for this item to be removed from my credit report because it is frivolous and can not be validated.
Consumer complaint received 2019-10-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC (TX)

Recently, this company has started garnishing my check without my knowledge. They never warned me 30 days prior. They never showed me how much I owe or anything. I am attaching a letter that explains of the private loan and the creditors. The loan is over 15 years old and seems to follow the statue of limitations of private loan rule. all of sudden in 2019 they garnish my wages without my knowledge
Consumer complaint received 2024-09-04
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: Experian Information Solutions Inc. (AL)

You are in violation of 15 USC 1681s- ( 2 ) ( B ) and 15 USC 1681s- ( 2 ) ( E ) Responsibilities of furnishers of information to consumer reporting agencies. A furnisher has a " ( 2 ) Duty to correct and update information '' " A person who ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate '' You have failed to conduct a reasonable investigation within a timely matter and notify me of the results according to 15 USC 1681s ( 2 ) ( E ) Duty of person after receiving notice of dispute. " After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.

Please see the attached disputes sent over the last few months.
Consumer complaint received 2020-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX I opened a new checking account with Suntrust for the specific purpose of transferring funds from XXXX, the selling app, where I sell face masks that I sew myself. Since the pandemic I have donated over XXXX masks to Nurses and first responders, I sell masks to cover my expenses. 

On XX/XX/XXXX my first deposit was made, and between XXXX XXXX deposits were made into the suntrust account. 1 deposit of {$50.00} was from my checking account with another bank, which I used to open the account. The other 13 deposits were from XXXX. When my funds cleared from a sale on the app, I immediately transferred the funds. 

In total, I have {$500.00} in the Suntrust checking account. 

For 10 days I was unable to access the account online, it prompted me to reset my password multiple times. On XX/XX/XXXX I received a welcome letter from Suntrust with checks for my account. I have not received any other communication from Suntrust. 

On XX/XX/XXXX I called Suntrust for help with accessing my online account. They told me my account was being closed for suspected fraud due to an investigation and report from another past banking institution that I used years prior. They told me my funds were being held for a minimum of 30 days. 

I told them this was unacceptable. I am very upset. I need this money to recover my expenses from sewing face masks and pay my daycare provider on Monday for the upcoming month. They allowed me to open an account and had no communication in the 9 days my account was open regarding this issue or investigation. All I have done is deposit money from the Selling app from the sale of face masks. 

After escalating to a supervisor he gave me an address in TN where I could mail a complaint. They were no help. 

My issue is that they could have easily seen an issue in my past banking history ( 2+ years prior ) when approving me for an account. There is no money owed to any banking institution. Instead, they allowed me to open an account and make $ XXXX deposits in a 9 day period with no communication on a potential issue. I had to seek them out to get an answer on how to access my funds and am now am being told I have to wait at least 30 days to access my funds. 

I havent done anything wrong and will be unable to pay my daycare provider on Monday which means I will have no care for my child and will be unable to go to work. 

I want my money ASAP as I am being punished by a bank for their own oversight. 

See attachments for screen shots of my XXXX sellers account and the direct deposits sent to Suntrust from this account. Please remove my seller account photos from the report that you publish.
Consumer complaint received 2023-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (DE)

My husband died XXXX. He had a XXXX XXXX XXXX XXXX for aboutXXXX XXXX and a XXXX XXXX XXXX for about XXXX . The XXXX XXXX XXXX was sent to ascension debt collectors. I paid 2 XXXXXXXX XXXX payment to ascension because they made me feel guilty but Ive found out the debt died with my husband. Ascewants to talk to my lawyer but I dont have one. Thats about it so far. They are very rude
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

Equifax will not provide my free credit report through XXXX They are requiring me to pay additional money because they are requiring me to mail something in by USPS and make copies of my personal documents in order to supposedly access my credit report. The other credit bureaus on XXXX have returned my report without any issue. Only Equifax is stonewalling and violation the law and regulations governing free online access to my credit report.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (OH)

Equifax is reporting inAccurate information on my credit profile there are inquires reporting on my consumer report that should not be there because I didnt authorize anybody to pull my credit report. XX/XX/2020 I sent out a dispute later that will be attached concerning the inquiries on my Equifax report I provided Equifax with the name of the companies and the dates that was on the inquires. I kindly asked Equifax could they delete the unauthorized inquiries and provide me with there method of verification if they determined the credit pulls belonged to me they never sent verification I requested if they could not send verification to delete inquires immediately. They responded with an irrelevant response that didnt honor any of my request in my dispute the confirmation # is XXXX is what was sent as a correspondence I will attach documents as well. After I received that I sent another letter on XX/XX/XXXX expressing my concerns about the inquiries requesting that they be removed immediately this is my second attempt to get this matter handled and I will attach the second dispute letter as well.
Consumer complaint received 2020-01-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC. (NC)

Call from XXXX claiming I owe on an HSBC credit card opened in 2013. I did not open a credit card at all, much less with HSBC. They threatened to send letters to my family members but would not tell me which ones. They threatened to forward my account to their attorney but could not tell me what attorney. They could not tell me their physical location and stated that since I asked for the physical location that I was threatening them. They stated they did not have to mail me anything since they were only " mediators '' acting on behalf of HSBC. " Mr. XXXX '' was the name used but would not tell me the name of the company.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (NE)

I received an offer letter from Wells Fargo to receive a bonus under the following terms : 1. Meet with a premier banker by XX/XX/2019 to earn a {$200.00} bonus 2. Enroll in portfolio premier by opening a new portfolio checking account or converting an existing Wells Fargo consumer checking account by XX/XX/2019 3. For an additional {$1500.00} bonus open a 3-month CD by XX/XX/2019 with {$150000.00} or more in new money 4. Have {$250000.00} in qualifying relationship balances at the end of the month in which your CD matures 5. Any earned bonus will be deposited into your checking account within 45 days after the requirements are met 6. Offer XXXX I met with a premier banker and converted my checking account on XX/XX/2019. 

On XX/XX/2019 I met with the premier banker and opened a 3-month CD with the {$150000.00} of new money wired into Wells Fargo. 

XXXX XXXX Wells Fargo Bank, N.A., Nebraska ( Member FDIC ) Original value {$150000.00} Current value {$150000.00} Original issue dateXX/XX/19 Current issue date XX/XX/19 Maturity date XX/XX/19 Term 3 months On XX/XX/2019 - the end of the month in which my CD matured - I had a qualifying balance of {$400000.00}. 

I met all of the requirements and it has been 60 days and I have not received the {$1500.00} bonus.
Consumer complaint received 2020-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MA)

refinanced in XXXX  US Bank can not provide 1098s because they were purged from the system. Need them for XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX to file taxes. need to resolve as part of a divorce US BANK holds both mortgages
Consumer complaint received 2020-01-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

I was enrolled full-time in college from XX/XX/XXXX to XX/XX/XXXX and this student loan was supposed to be deferred. I had requested deferment and had documentation that I was enrolled full time for Fall semester after receiving my XXXX in XX/XX/XXXX. They had received my graduation notification in XX/XX/XXXX and took me off deferment without verifying that I was still enrolled in classes starting XX/XX/XXXX. I emailed XX/XX/XXXX and told them there was a mistake and I was supposed to be in deferment still and got an email that they would process my request. In XX/XX/XXXX I saw that XXXX took over my loans with American Education Services and checked my credit report to find a bad credit write-off from AES. I tried to get them to remove the bad credit off my credit report when contacting them XX/XX/XXXX but nothing was done. I sent them proof that I had sent documentation and request for deferment and again they just said they received my information and still have done nothing to resolve this.
Consumer complaint received 2020-01-29
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: EQUIFAX, INC. (DE)

There is a error on my Equifax credit report. This account is reporting because my information was stolen. I am stating I had nothing to do with this and if they verified my information on file that is because someone stole it and used it without my authorization.
Consumer complaint received 2020-01-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I leased an exotic car for the day and then was subsequently charged way more than I was told I was going to be charged in the end. Also I tried returning the car early due to an emergency and they wouldnt let me do so. They charged me about {$2000.00} total and BoA has yet to get me my money back. That whole place was a scam.
Consumer complaint received 2020-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is a huge variation in the credit scores of the three companies ( XXXX, XXXX   and Transunion ) XXXX and XXXX have a 1 point variation in my scores between the two of them and Transunion has a 50 point variation between the lowest of the two scores. I do not believe that they have correct information for my reports and they should investigate and advise why there is such a huge variance between them and the other two reporting agencies.
Consumer complaint received 2020-01-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE FINANCIAL SERVICES (TX)

Our home caught on fire on XX/XX/XXXX. I found Mortgage Financial Services online through a government website for lenders that help people in Texas get loans if they meet certain eligibility requirements. They connected us with XXXX XXXX at Mortgage Financial Services in XXXX, TX. 

We started working with her on XX/XX/XXXX. On XX/XX/XXXX she advised my husband she would also have to run my credit. We worked with her sending her multiple e-mails and income verification documents. She said that we were approved for the loan so we started looking at houses. She also said the payments would be 820-840/month with taxes and insurance, great! 

We signed a contract on a new house, but the seller would not accept the offer without a prequel letter from the lender. So XXXX created a letter for us to say that we were approved. The seller then accepted our offer. We then proceeded to pay XXXX in escrow, the XXXX dollar option fee and then we paid {$420.00} for a home inspection. Great, excited, we're buying a house! 

XXXX then e-mails us on XX/XX/XXXX and says never mind she was wrong and we can't do it. After we had already spent over {$500.00} dollars on an inspection and the other fees associated with purchasing the home. The reason because she JUST ran my credit, that she was supposed to run on XX/XX/XXXX and also because she didn't know the extra XXXX income was my income and not my husbands. The only thing on my credit affecting this decisions was the student loans, which I have been paying on. You can tell that I have not had a late payment on anything in over two years. 

I sent her all of the documents she needed before we even signed the contract on the house and this is information that she should have verified BEFORE we spent all this money trying to get a home. With our house catching on fire on XX/XX/XXXX, that was ALL the money we had to spend trying to get a home. 

The lender did not do the work on her end to make sure that we could get a home before we invested time, money and resources into purchasing a new home. We have the money and we can either pay someone rent or we can pay the lender. Given the lenders error, I feel like they should have to follow through with the deal. This is their error and it is their fault that we made the deal in the first place because they made false promises without doing their job correctly.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NY)

It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.
Consumer complaint received 2023-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

The month of XX/XX/2022 I had 2 Unauthorized ACH withdrawals from my checking account. I called my bank both times and got it resolved right away. However, The second time I told my bank ( CAPITAL ONE ) to close my account because I felt it was compromised. They agreed and restricted the account. 

I RESTRICTED the account on XX/XX/XXXX and got a new debit card and 2 new checking accounts. I activated my debit card at the time on XX/XX/2022 and linked it to one of my New checking account on XX/XX/2022 and Switched it over to my other NEW Checking account XX/XX/2022. On XX/XX/2022 I was charged from XXXX {$290.00} Via debit card Purchase in the RESTRICTED account and the transaction NEVER went Pending it Posted Immediately. Then On XX/XX/2022 I was charged {$290.00} again in my new checking account. XXXX says it was for my final transaction with them on XX/XX/2022.
Consumer complaint received 2018-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

Dear CFPB, We are paying our mortgage on time, Rushmore Loan Management Services keep on sending a letter at least twice a month about late and delinquent payment and we are getting these letters constantly. Also, we signed the loan modification in a hurry without professional review. The modification we received was three months predated. We believed that penalty and interest are excessive, can you please review our loan modification it will be highly appreciated. Thank you very much. 

Regards