davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2015-07-31
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

Was charged a late fee of nearly {$40.00} on two occasions erroneously. The statements indicate that a late fee will be assessed if the payment is not received by the XX/XX/XXXX and in both cases the payments were postmarked by XX/XX/XXXX. I attempted to contact the servicer to find out their payment processing times in that I feel there was ample time for them to have received the payment, but do not believe that the payments were posted the same day as received. No one at the company was willing to discuss nor do anything to resolve the matter. 
I would opt to pay online but there is a fee to do so after XX/XX/XXXX. I pay my mortgage timely every month and do n't feel it is right to be charged {$80.00} in fees because they choose to sit on the payments for several days after receiving them.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (WI)

The credit card company representative told my wife that I have a bill that is past due on XX/XX/XXXX but I have not received a statement of the charges from the credit card company. I need an itemized statement of the charges they are requesting payment for. I do not do computerized statements. I am not sure how much money has been lost or when the loss occurred because I have not yet received a statement of charges. 

Secondly, my wife ( XXXX XXXX ) has been authorized on my credit card account for over a year. My wife informed the representative that we have not yet received a statement/bill and requested them while I was driving on XX/XX/XXXX ( see case number : XXXX ).
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-08-27
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. (NV)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2023-07-12
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. (CA)

I want this late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXs customer service representative.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

Account name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX  XXXX XXXX Account # XXXX, Account Name : XXXX Account # XXXX, and Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, have violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, no other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (IL)

Focus Receivables has called my number at least XXXX times with a voice automated message that it was " attempt to collect debt. " I called them back and spoke to XXXX XXXX @ XXXX. She said that I owed comcast an early termination fee from back in XXXX on a business line. I explained to her that there was no early termination fee as it was waived because I upgraded an account simultaneously when this was closed. I told her I had the paperwork that I could show them and already spent 4 months with XXXX trying to resolve the issue. 

She was not interested in any explanation and said that I " simply owe the debt ''
Consumer complaint received 2017-02-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

On XXXX XXXX, XXXX I opened an account with SunTRust Bank with an offer in witch they offer me a reward of {$250.00}. The terms and conditions where : earn {$150.00} by depositing at least {$100.00} within 14 days of account opening and completing at least {$500.00} in Direct Deposit within 60 days of account opening. 
And earn an addition {$120.00} by continuing to maintaining at least {$500.00} in monthly direct deposits until XXXX XXXX XXXX. 

I did completed both requirements for the offer. I never got any reward from them. 
Since XXXX XXXX I been going to the branch where I opend the account and talking with the manager XXXX XXXX XXXX, phone number XXXX she has n't been able to get my reward. We submitted a complaint with Research contact center, and a lady call XXXX XXXX XXXX extension XXXX, call me on XXXX XXXX, XXXX and told me that they made a mistake and that i was supposed to get my {$250.00} reward in 4 weeks ( XXXX XXXX ). 
Today is XXXX XXXX, and I have n't received my reward, XXXX is not returning my calls. I do n't know what else to do! 
I really hope you can help me to get my rewards so I can close my account and never again doing business with SunTRust. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (AR)

My private student loan, through Sallie Mae, is in default. I have been unable to make payments sufficiently, the last payment I was able to make is dated XX/XX/XXXX. I have paid as much as possible each month ; however, after the death of my parent I was off work for XXXX and became behind on finances. At this time, I have not been able to become current with this loan. I have explained this to the company and they agreed to lower payments. I explained I would pay what I could, when I could ; but, if the funds are not there, I can not make a payment. I am a parent of XXXX and to provide necessities for my children, while the economy is well beyond XXXX  class means/prices of everything are steadily rising, will always take precedence over any other expense. Regardless of this information, it is my belief that Sallie Mae has violated The Telephone Consumer Protection Act : " Called third parties ( family, friends, coworkers, or neighbors ) even though the collection agency knows your contact information ''. 
The company continues to make communication attempts to my mobile phone, no less than twice daily, through live representatives, robo-calls, voicemails, and text messaging. Over the past XXXX XXXX, the company has called XXXX of my spouse 's family members requesting to speak with me urgently " regarding a very time sensitive matter ''. The family members of my spouse they have reached out to are not listed on the loan nor as contacts of mine. 
This loan was initially accepted XX/XX/XXXX. Today, XX/XX/XXXX, my EX ( divorced her son in XXXX of XXXX ) -mother in law reached out to me, through social media, stating the company had called her inquiring to reach me and asking if I had " any idea '' why they would be contacting her regarding me. Again, this person is not listed to have any association with this loan nor as a contact of mine. 
At this time, I feel the company has violated my privacy through harassment of repeated phone calls, texts, and by contacting outside sources of which are not individuals listed anywhere within the loan contract of affiliation with me. It is my belief that Sallie Mae is actively degrading my character and has violated my privacy, through persistent harassment and attempts of embarrassment and shame, as an approach of attempting to force funds from me that are non-existent.
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}
Consumer complaint received 2017-03-19
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (TX)

My credit report is being negatively affected by BB & T as a result of extremely poor account management and customer service following a disputed transaction. This experience has also been met with poor treatment ( in person ) by a BB & T Vice President who treated me in a rude and very unfair manner at first introduction. Without receiving any notification or account statements over a long period of time between the date of discrepancy through present I was finally contacted by a collections team at BBT about a past due amount slightly over {$30.00}. Upon that first contact the collections team was unable to provide any explanation as to what the amount in question was from or when the transaction had taken place. I believe the root cause of this to be a result of fraudulent activity to which I have a fraud dispute placed on an account with BB & T for activity that I believe may have some sort of relation to a PII breach and theft of my XXXX IRS XXXX from XXXX a former employer. The fraud dispute was placed on XXXX/XXXX/XXXX. The activity is specific to an account BBT notes as " Credit Line XXXX. '' This outstanding matter is now reflected on my credit report by XXXX harming my psychological and financial wellbeing. Only on XXXX/XXXX/XXXX did I receive three letters in the mail, dated XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX that were specific to any outstanding balance with BB & T. Even still, no information has been accessible online via portal and PDF nor in the mail as to this issue. The bank has been very difficult to work with and I strongly feel that I am, as the " little guy, '' being bullied. Interest in the amount of around {$0.00} to {$0.00} continues to be added to the outstanding amount each month alongside compounded degradation to my credit profile.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC. (TX)

Ally will not allow customers to have more than 3 checking accounts. This is a significant issue if you want to open checking accounts for your XXXX XXXX as those accounts have to be opened as a custodial account.

I currently have 3 checking accounts open at Ally that are all joint accounts for me and my husband : ( 1 ) used as my personal account ; ( 2 ) used as my husbands personal account ; ( 3 ) used as a joint account for joint expenses. I want to open a checking account for my minor son. I tried to do it online and was told that I had already hit my limit of 3 checking accounts, even though this last account would be a custodial account for my child. I tried calling customer service ( XX/XX/year> ) and was told the same thing and that there are no exceptions to this, although it was unclear if the agent fully understood my request. The only account available would be a savings account. However, a savings account is subject to transaction limits and per Ally 's website they will " close your account if you exceed it on more than an occasional basis '', so a savings account is not a feasible solution. With this policy, there would be no way for a parent with XXXX or more XXXX  to hold checking accounts for their children at Ally.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My company, Nationstar, refuses to process my mortgage check in a timely manner and has only sent my XXXX billing statement, although I have been with this company for 4 months. It took XXXX days from the day that I mailed my check until the day that the company acknowledged that it received my payment. In the XXXX years that I have had a mortgage I have never, ever had a late payment. I had to cancel the check and pay over the phone. The company still has this check, and apparently can re-deposit it after XXXX year.
Consumer complaint received 2017-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (MA)

Received offer for {$6000.00} Line of credit @ 0 % interest for 18 months. 3 % Balance transfer. None of my transfers are going through because none of my transfers are being paid. However my balance on my transferred account is showing only {$900.00} is available at this time even though the account was originally {$6000.00} This is the work of WELLSFARGO.
Consumer complaint received 2015-10-21
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ZARVAD III S.A. (RI)

This company claims I owe over {$700.00} and refuses to provide me with their address. They state they will only accept payment via XXXX. I have been contacted by collections @ mypaydayloan.com.
Consumer complaint received 2016-09-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (SC)

My mortgage company would not take my payments, I missed the due date by approximately 1 week. I called to arrange. I simply lost track of the dates. which I do sometimes. I called and requested to speak with a supervisor to see what I could do.I was denied the opportunity to speak to a supervisor and the person on the phone reported if I wanted to hang up the phone I could. I was speechless and upset. I proposed to pay now and in tow weeks to catch up for the month and told NO. I would have to do a loan modification. This process took over 13 months, ruined my credit, went to court to be insulted by the mortgage company rep who stated to me the mortgage company has no intention working with me, the judge said he could not stop foreclosure. The only choice i had at the end pay XXXX or pay {$2400.00} an month for over 2years. I did not get a chance to speak to anyone to report my case verbally to anyone. This leave me just enough to pay gas, utilities and some food.my mtg was approximately {$1200.00}??? I expected maybe {$1500.00}, but not {$2400.00}?? I have lost a lot of then put my house on the market before anything was finished. People walking my yard, all times on Saturday around the house. I was afraid. I hae tired to ge to the so called rep and each time I am giventhe 3rd degree and never is the phone answerd, I have leve message and just stopped. People are still comeing once a moth putting door hanger on the door for me to call and not be able to speak to the rep. Told me my house is still is the forclosure stage for the next 2years. This is crazy. I could pay and they are forcing me out in the worse way. i have there for 8 years. Great neighborhood and good neighors. Sad. I try to be responsible, I am a veteran with XXXX and try not to use that as an excuse. Done. I along with others would like to be heard by someone who cared and could explain without attempting make me feel like I am a nobody. i make a good salary, I am intelligent, but hits unbelievable. I want to know who owns my loan. This mtge company is the Worst. I go to a doctor for the stress and it is just too much. If they I have requested time and XXXX to walk away. I am tired and mad, and hurt, the country and a lot of the companies. here have lost sense of community and working with people. I am not asking for a hand out. Even if I get no help I will make sure many people here the story and name of this mortgage company an NEVER work with them. VA did not to assist in counseling and helping me through this mess ... va loan joke.
Consumer complaint received 2017-01-04
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (GA)

Paypal offers a service of virtual money which is tied to a checking/debit or credit acct to make purchases without leaving your information available to hackers ... They also have a dispute service when dealing with vendors without ethics or deceptive practices ... 

I have used Paypal in dealing with an internet company that has defrauded me of delivery of my purchased items and now refuses to act in a manner complementary to what they claim to offer ... I have filed a dispute regarding a purchase and they have sided with a vendor claiming I have recieved the merchandise ....
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (OR)

I have been trying to improve my credit score for 9 months now and I have disputed several things on each report that were incorrect. I notice that after they are removed that some of them are put back on ... this makes no sense!!! I also have paid and am paying on some of these accounts that they are showing and the credit bureaus do n't have the information accurate. What do I have to do to get my credit reports accurate? Please help!!!
Consumer complaint received 2016-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Fedloan Help (NJ)

I used the " company '' Fedloan Help to transfer my student loans to a lower payment plan. Without receiving written or verbal consent from myself they removed {$320.00} from my banking account using a similar title to that of my student loan service at the time. As a result, they were able to remove the said amount four times. Upon noticing that this money was not going towards my current student loan and attempting to contact the company serval time, I had my bank stop payment. They used an alternate title to remove the money to which I needed to then stop the payment again. They then, attempted to contact me multiple times from a blocked number to address the money being stopped. It was claimed that the money should be going towards the student loan, but to the new company. Once my loan was transferred to the new company, it was stated that the money was not placed to the new account. In fact, my current principal balance when transferred went up by a total of XXXX. On XXXX XXXX, 2016 my student loan was a total of XXXX and when I received new paper work from my current loan company it is now XXXX. At this point in time, this company has taken a total of XXXX. 

The following is the contact information for the company : FEDLOAN HELP XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX Toll-Free : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX Email : XXXXXXXXXXXX Thank you for you time, in advance. 

Sincerely, XXXX XXXX XXXX