davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (NY)

On XXXX XXXX, 2020, SunTrust Credit Card erroneously charged my checking account the balance of my credit card, which was {$2200.00}. The charge did not reduce my credit card balance. This credit card was recently set-up using a promo 36-month low APR ( matched at the Prime Rate, which was 3.25 % at the time ) balance transfer. When I contacted SunTrust the same day they admitted to an erroneous payment and they were working to reverse it. The reverse never happened and eventually, after numerous conversations with their customer support, SunTrust reflected the charge on my credit card balance without my consent. Effectively they forced me to prepay my entire balance and I was out both the {$2200.00} and the balance transfer promo, in addition to other charges I incurred as a result of the erroneous charge on my checking account. I incurred substantial hardship and fees from the unplanned {$2200.00} charge - including damage to my relationship with other banks, and my apartment management company. SunTrust customer support, while initially knowledgeable about the issue, now has no idea what is going on or how to fix it.
Consumer complaint received 2020-11-26
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. (NC)

XXXX XXXX sent to collections {$680.00}, now XXXX XXXX  XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the Equifax breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that the inquirys associated with these accounts be removed and blocked from my credit files. Any inquiries made prior to today XXXX, XX/XX/2020 we done fraudulently and or in association with this breach. All inquiries performed by me and credit profile concerns are Handled through XXXX XXXX and most recently XXXX XXXX 

Furthermore the below reference account has not been removed from my XXXX  profile though it has been removed and blocked from my credit profile by both transunion and Equifax. However XXXX  fails to comply and remove the account. 

Collection account : XXXX XXXX XXXX {$450.00}
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

All 3 major credit bureaus are PURPOSELY refusing to report my credit utilization. They only will report fraud negative things to reflect my credit.Also, Experian claimed to have no record of me having a credit card ( XXXX to boost credit ), experian had nerve to email me to leave a review of the same card they told the cfpb they have no record of. Ever since XXXX  went up, only a inquiry updated, never my positive payment history for 3 months.also on the day my credit updates on XXXX, it just says period and won't updte.even if my score wont move, report that its on time the same way a fraudulent account is revolving ..this is not by mistake that positive history takes so long to get on record. Not a score increase, just report properly. If I miss a month, all 3 scores will drop, why not at least report when its on time..XXXX  had my score in the 500s fro a fraudulent cable bill, when it got removed, they dropped my score to XXXX.they also have no record of my 2 secured cards
Consumer complaint received 2020-11-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NJ)

On XX/XX/XXXX I made my first mortgage payment to guaranteed rate. The payment was for my first payment sue XX/XX/XXXX. I was made aware that the servicer of the loan ( guaranteed rate ) would be switching departments somewhere between the first and second payment. This would provide me a new account/loan number. This seemed fine and I was assured any payments made would be transferred to the new servicer. I made my second payment on XXXX XXXX for the second payment due on XXXX XXXX. Since then I have been receiving mail stating my account is overdue. When I followed up I was told there was likely a delay between the two servicers. After one or two follow up calls I requested a supervisor and that an investigation be started. After being told multiple times i would receive followups with updates, I receive none. However I continue to get calls from Reps asking for my payment ... All in all Ive spoken to about 10-15 different representatives. Each conversation nothing gets resolved. Ive provided multiple emails with loan info/documentation, bank statements, receipts, contact info for the reps Ive spoken to. Now my next payment is approaching ( which I confirmed that I have DD setup ) However I was just made aware, after numerous phone calls, that my DD will not go through unless my account is up to date. Which on guaranteed rates end it is not. So while the issue is still ongoing Im expected to either make 2 payments ( one of which is DD ) in 2 days, or make 0 payments while I await a resolution. Ive been in contact with my bank as well to obtain more information regarding the initial transaction. All in all, I felt as if I was doing the right thing making my payments ahead of time and following the payment recommendations of my loan officer/Cust service reps I spoke to. However this has been one of the most time consuming and frustrating experiences. I would not recommend using Guaranteed Rate.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I tried to make XXXX separate payments to Capital One for my accounts ending in XXXX, XXXX, XXXX. All XXXX accounts would not accept a payment by debit card both online, through the app & over the phone. thus resulting my payments to be late. I believe this is obtain an extensive amount of late fees from all Capital One card holders. I was prevented from making a debit payment only until my accounts were PAST DUE. Only then I could make a payment using my debit card, once late fees had been placed on my account. I made a small payment. Then once the next payment was due I could not make another DEBIT CARD payment. Thus resulting in more late fees. I contacted Capital One through the automated chat to alert them of the issues and I was informed they would only wave XXXX late fee. I explained the situation and I have included the chat detailed attached.
Consumer complaint received 2020-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

My loan was transferred to Shellpoint Mortgage right after I returned to the country and afer the cover crisis started. I believe this was done with an intention so I refused the transfer but later found out that I dont have option other than continuing with them but as I suspected I have been going through lot of issues with them. They will keep requesting for information even after I send insurance info as if I never responded their mails. They I initially didn't even respond for my Forebearance request after I was affected by the pandemic, and later after filing a complaint I received a response. The representative assigned goes without answering my emails and phone calls for several weeks letting me hang in the middle with no clue on my forbearance request as they told me that I have to apply every month. But all of a sudden they approved it for 4 months once. In 5 months time I made payments for 2 months and I was on a deferment but all of a sudden they said I am approved for only 2 months but even with that they had me on deferment for 3 months and they said I can be on deferment for the dues but suddenly stopped it for the month of XXXX and when I asked for the reason, they are not sure why they did that. I have been waiting for the forbearance request for the month of XXXX but I still don't know what decision they have made. It's like they are waiting for me to spend rest of the money and then come back and say that I am not aproved for forbearance. There's also a practice of harassment where I will be circled around from one rep to the other where they keep hanging up in the middle of the conversation until they have someone who they think is capable of tricking me into a situation where it will cost me my home. One of the reps told me that I have to make a payment even if I am on forebearance so I did make a payment borrowing but they immediately removed the deferrment and also delaying the forbearance approval. I have been going through this pattern since I was with XXXX XXXX. Its like I shouldn't live in my home otherwise it will be take. Away from me. When I had it rented out for 2 years I never had any issue with the bank but right after I moved in I have been fighting to keep my home. The bank of denying the same privileges they are offering other customers without an issue. Also the point of contact they have assigned goes on a vacation or a break wah too frequently and leave me in limbo. Where other representative start harassing me with phone calls asking me to make a payment whole waiting for a response from my point of contact regarding forebearance. Last month at a very crucial time someone updated my account with a phone number I don't own in order to acojd bank from contacting me for any issues. I often don't receive the letter they say I received but never got that in my mailbox. also, they blocked me from applying for forebearanxd from online and they never gave me an explanation on why they did that.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Phoenix Financial Services LLC (FL)

I noticed a collections account on my credit reports from : PHOENIX FINANCIAL SERVICES LLC Original creditor : XXXX XXXX XXXX XXXX XXXX. I have never used a service from anyone associated with the alleged creditors. The amount listed is {$2000.00}. I do not owe anyone {$2000.00}. I have not received any correspondence relating to such a debt and would request any documentation with my signature from XXXX XXXX XXXX XXXX XXXX relating to the alleged {$2000.00} debt, otherwise, I wish for this debt to be removed from my credit report.
Consumer complaint received 2020-11-26
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. (WI)

Hello I reviewed a current copy of my credit report and I placed disputes to have inaccurate or fraudulent information reviewed. I have not heard back with any results and it has been more than 30 days per the FCRA. I am currently now being violated.
Consumer complaint received 2020-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

Company continues to try to send me bills for medical debt which i am onXX/XX/XXXXI provided them the XX/XX/XXXXid number. I am attaching my medical card which shows I have been insured since XX/XX/XXXX. The collection was updated XX/XX/XXXX after providing evidence of insurance.
Consumer complaint received 2020-11-26
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: EQUIFAX, INC. (IL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am writing to you to report that I may have been the victim of identity theft. There are certain account activities/ charges on my account which I did not make. Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on Experian through XXXX and www.Experian.Com. I am requesting the following items be removed on my reports from your companies as Experian has done already. 

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. 

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 
The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile. 
Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency. 
Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. 
Sincerely,
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Hello, XXXX XXXX XXXX XXXX - XXXX - The merchandise was returned due to defect. Please remove from my report I would like you to please disclose how you verified this account? 
Contract? 
Detailed account information? 
Date Open, Date Close? 
Im also requesting copies of all materials that were used to determine that this is a valid account. 
My reason for dispute are as follows : Balance is steady increasing on my credit report : This is a violation of FCRA and Arizona State law! 
XXXX XXXX Experian Credit Report Balances XXXX : {$19000.00}, XXXX : {$19000.00} Current {$20000.00} The balance was currently is up 70 % from the High Credit Balance and Counting!!!!!!! 
When I returned the vehicle, I was told I would receive a Deficiency Balance after th re sold the vehicle. Instead XXXX XXXX re sold the vehicle and has tacked on 70 % interest on a closed account. This is Fraud. 

Im requesting Verification for the following : Account number? 
Date Open? Date Closed? 
Payment History? 
Vin #? 
Verification giving XXXX XXXX authority to charge 70 % interest on a closed account on a vehicle after re-selling it. 

and the High credit limit is {$12000.00}. This is an erroneous discrepancy and inaccurate. Im asking that due to this violation, this account be removed from my account. 

Account has been closed since XXXX, yet the furnisher has been reporting to my payment history for the last 2 years. This again is a violation and Im asking that this be removed from my report. 

Date Account Opened- / Date of Last Payment XX/XX/XXXX - Same Date? 
Verification that this is accurate, this is extremely irregular and I would like to see receipts of payment confirming that this information is correct. 
Please remove this Account from my credit report Immediately this is incorrect and FRAUD! 


Thank you! 




XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

My card has been compromised a number of times this year. In fact, in the latest round of fraud, I did not even receive the physical card in the mail, which I was awaiting after a replacement. 

On XX/XX/XXXX, it appears someone used my card to check into a hotel in XXXX, and stayed for a number of nights. I promptly contacted Capital One when I discovered this fraudulent charge as well as a number of others. Capital One has rebilled me, claiming that the hotel said their policy was to check ID of every customer. When I asked about what ID information they got, I was told they did not have a copy on hand. But it is " their policy to review ID ''. 

I have faxed documentation to Capital One documenting that I was nowhere near this area and in fact had work commitments for a number of the days in question 120 miles away in XXXX. Capital One suggested I call the hotel, which I have. This is not very helpful.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2020-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I attempted to log into my Capital One account and noted it showed closed account on XXXX/XXXX/20. I contacted Capital One to question why as I had paid of my balance and have always been in good standing. They advised it was closed due to non use. I advised I recieved no notifications and this would be damaging to my credit which it was. I spoke with a supervisor to request the card be reactivated since it was just done that morning. My request was refused and I was advised I could file a complaint or reapply. I asked how would I know the complaint was reviewed or who do I contact for status updates She advised she had no idea but would file it. I have never heard back and my credit has been severely impacted. I was an outstanding customer who was just disregarded and pretty much told oh well.
Consumer complaint received 2020-11-28
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. (LA)

I reported to Transunion that XXXX XXXX XXXX, is attempting to collect on a account that is already being reported/collected by Consumer Adjustments on both Transunion and XX/XX/XXXX. But they deemed my dispute inaccurate, and the information was correct. I just need this account to be collected my one agency, not two at once.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: KEYCORP (TX)

On XX/XX/2020, KEYBANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

ALL 3 " CRA '' CONTINUE TO VIOLATE " FCRA '' WITH REPORTING MEDICAL PRIVACY ACT INFORMATION IN WHICH VIOLATED " HIPAA '', NOT MY ACCOUNT, ID FRAUD