davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX I attempted to use my card, at a bank in order to get {$1000.00} XXXX XXXX  in a Lobby and was denied although my account had in excess of {$1500.00} in it and USAA had shown me that that was the limit that I could withdraw. I reached out to them and they said that they could not see the transaction. The corporate office was it decidedly unhelpful. I went to the bank today and now it says my account is inaccessible. I called back USAA and was advised that the chip in the card was bad and they would overnight me XXXX. USAA has blocked my ability to sell, my ability to transfer funds and has grossly inconvenience to me with the ability to pay my rent. They are preventing me access to my own funds and this has to be illegal. On XX/XX/XXXX I went to XXXX XXXX XXXX. Today I went to XXXX XXXX.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Management Holdings, LLC (TX)

I recently received a notice from my bank stating that a collection had been placed on my account. I tried to check my credit report on XXXX and XXXX but the system was unable to provide me with a report. I attempted to dispute the collection with Credit Management, on the XXXX website but their system also would not allow me to do so. I called XXXX customer service to request my credit report, and to review the report with an agent but they informed me the collection was not placed on my account. I assured the agent that I did not have a contract with the Credit Management collections company and that I did not owe them any debt. I also mentioned that the original creditor was paid before this collection was placed on my credit report. I was transferred to another department, and the representative confirmed that the Credit Management Company is indeed listed on my credit report as a collection agent. I requested to have the report disputed and was told they would try to do so. I expressed my concerns about my credit report, as the collection has reduced my credit score by XXXX points and is affecting my car loan application status and a job application with an XXXX XXXX. I also contacted XXXX to have this correction removed from my credit report. I am also in the process of purchasing my leased vehicle, which is due to be returned to the dealership by the end of this month. The collection and the severe drop in my credit score have negatively affected my financial status and will cause some undue hardship if I am not able to get a vehicle to go to work. If I am unable to apply for a car loan, I will be left without a vehicle. This was was previousely paid to XXXX XXXX company in the amount of over {$500.00}.
Consumer complaint received 2023-05-30
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. (WI)

I have taken a review of my credit report and notice accounts, address annd phone numbers that werent authorized I havent made any contracts with these companys and I dont recognized these companies. I have filed an identity report and law requires you to remove accounts and addresses with four days. Be advised that this is a serious mater and would like this handled immediately.
Consumer complaint received 2024-05-29
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am requesting a check in the amount of {$3500.00} that was written out to me by XXXX XXXX. 

I don't know the exact date of issuance, but I believe it was early in XXXX, when I deposited my check into Truist bank. The check number is XXXX. 

The problem is that my funds have been held for over a year, and I believe this is unlawful. Additionally, the bank has given me no updates, and the business has not tried to resolve the problem. 

Thank you for your attention to this matter.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (UT)

i disputed the information with all 3 credit agencies, XXXX, XXXX, XXXX XXXX. about an account that was being reported negatively. A Discover Card credit card. They are reporting it as late, when it has been paid off. in accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602. I have the right to privacy. 15 USC 1681 604 ( b ) section 2. It also states a consumer reporting agency can not furnish an account without my written consent. Which i never gave them. The creditor and consumer reporting agencies are violating code 15 USC 1681i ( 5 ) treatment of of inaccurate information.
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (LA)

My Loan was transferred from Nationstar Mortgage dba Mr Cooper to another mortgage servicer on XX/XX/2023 and they are reporting incorrect information to the credit bureau. I made an agreement with Mr Cooper in XX/XX/2023 when I lost my job and they offered forbearance. My loan was paid on time and through XX/XX/2023. I was assured because I called and we have this deal, my credit would most likely not be affected. 
I was hesitant to sign because I was not late when I reached out to Mr Cooper with full intentions on paying my obligations. 
As agreed, I caught up on my loan payments on XX/XX/2023 and I was back on track. 
Mr Cooper is not only reporting my late payments, which is against the agreement I signed under duress, but also reporting in XX/XX/2023 I was 60 days past due, then 90 in XXXX, etc. 
I don't believe this is correct - not only did they lie about not affecting my credit, but they also began reporting at sixty days, not thirty.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I am writing to formally express my concern regarding several unauthorized transactions processed through my bank account. Over a month ago, I noticed these fraudulent transactions and promptly reported them to the bank, following all required procedures. Despite my timely notification and the clear evidence of fraud, the bank has refused to take the necessary steps to resolve the issue and credit my account for the disputed amounts from XX/XX/XXXX. 

The lack of action from the bank has left me in a difficult financial situation, as these transactions were substantial and have affected my account balance significantly. I have provided all the necessary documentation and evidence to support my claim, yet there has been no satisfactory resolution or communication from the bank regarding the status of my case. 

Given the circumstances, I am requesting immediate intervention to rectify this situation. I urge the bank to review my case thoroughly, credit my account for the fraudulent transactions, and ensure that such issues are handled more efficiently in the future. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRUIST FINANCIAL CORPORATION (GA)

I called the company several times and reminded them of the conversation I had previously with one of there representatives. 

I was told the, at that time the loan was fairly new and that something could be arranged. We discussed the loan being renewed or the two late payments at that tome be placed on the back end of the contract. 

Whats so disappointed and makes no sense at all is that I am willing to honor my contract but they refuse to renew the contract or place the, now very delinquent amount on the back end of said contract and make it easy on everyone. 

Instead they decided to ruin my credit score which was, at that time, which ranged across the three credit agencies from the high XXXX to low XXXX. 

They deliberately keep reporting me late to ruin me.
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-04-15
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX Balance : {$990.00XXXX XXXX XXXX XXXX Balance : {$720.00} XXXXXXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$640.00} XXXX  XXXX Balance : {$530.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (GA)

Hello, We closed on our property on XX/XX/XXXX. Our loan was transferred to Fay Servicing soon after. Somehow, we did not receive a tax bill for the year. Upon visiting our county website, we found that Fay had covered our property tax bill of {$7000.00}. We contacted Fay Servicing and were provided the option to pay the bill online. 

On XX/XX/XXXX, on the Fay website, we selected to make a payment to escrow to cover our property taxes bill which Fay paid. On the Fay servicing website, we selected the option to apply the payment of {$7000.00} to our escrow account in order to repay the tax bill. There was an option to apply the payment to principal - WE DID NOT SELECT THIS OPTION. My husband and I are tech-savvy and were careful not to make that selection. 

In early XXXX, We received notification from Fay that our mortgage payment was going to be increased due to now having been placed in escrow. Given we made a payment to avoid this, we contacted Fay. We were then informed that the payment we made to escrow was applied to the principal, not the escrow as we selected. In addition, they are now going to add an escrow account and increase our mortgage payment from {$5400.00} to {$7000.00}. We did not sign off on this. We asked Fay to reverse the principal payment as that was not our error or what it was intended for. The team informed us they were unable to reverse the principal application because the funds had already been disbursed to investors. Theres been an error in how Fay Servicing applied our payment. We have contacted Fay Servicing several times in the past few weeks to resolve this issue to no avail. We called and were asked to call back on XX/XX/XXXX, then when we call to follow-up, were asked to call back on XX/XX/XXXX, then we followed-up and were asked to call back on XX/XX/XXXX. Again on XX/XX/XXXX and was told they had put in a request and to call back on XX/XX/XXXX. It seems they have no intention of resolving this issue and instead are attempting to force us into escrow. 

We have informed Fay of a Notice of Error and have asked Fay to have the payment we made ( {$7000.00} ) applied to the initial tax payment as intended and have the escrow removed. We would appreciate your attention on this issue, thank you.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current (SC)

On XX/XX/XXXX I filed a dispute with current banking for {$180.00} I ordered shoes from XXXX XXXX XX/XX/XXXX and the shoes was never received sent screenshots from me and merchant to current banking and sent in screenshots of the shipping number XXXX XXXX gave me which it shows iteams where never received yet current banking on XX/XX/XXXX denied my dispute for no reason and when I ask why they just say the choice was on they dispute department ( other words they dont know ) and I need my money this was my birthday money
Consumer complaint received 2024-06-18
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. (NJ)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2022-06-24
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)

Fraudulent accounts are in my report, I requested validation through the original contract but no contracts have been sent to me ever since. This request has been ignored as shouldn't be the case as the law states that I am able to request a contract between me and the company that I have allegedly had an account.
Consumer complaint received 2024-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: LOBEL FINANCIAL CORPORATION (CA)

I got a loan thru lobel and a used car. The car stopped working and I left it in the apartment parking lot with keys and windows down, they didnt pick up for months. So they garnished my paycheck, this is XXXX 10 years ago. Garnishment was paid through XXXX XXXX. Now for a second attempt to garnish my check, I stopped the first one. The co. Told me XXXX XXXX  and good luck. But now try to say in XXXX XXXX XXXX I owe XXXX dollars. They resold the car never gave me a credit for that I paid the full amount and they have the car. Plus sent 2 men to my apartment to bad mouth me to my neighbors, and after all this time trying to garnish my check again
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (VA)

To Whom It May Concern : I paid a XXXXXXXX $ XXXX in XX/XX/XXXX for a dream trip to XXXX and paid for a XXXX XXXX in the desert in XXXX . After the XXXX told me that she was doing me a favor '. 

This XXXX  didnt do what she was paid to do. She did what she wanted and charged me for a full XXXX. The XXXX that was done wasnt what I paid for. I was initially willing to pay for half of the cost of the $ XXXX I paid for but the vendor didnt respond. Apple Card/Goldman Sach keeps automatically declining my request which is unfair and proves that no one is bothering to follow up. 

ITS BEEN MONTHS AND I STILL DONT HAVE A RESOLUTION. GS KEEP CHARGING MY CARD FOR {$180.00} for me to pay. I KEEP REQUESTING THAT THE WHOLE AMOUNT BE CREDITED TO MY ACCOUNT. THE VENDOR DIDNT RESPOND TO MY CALLS, IT'S BEEN SIX MONTHS, AND THIS PROCESS TO COMPLAIN AND DISPUTE charges with Goldman Sachs TAKES MONTHS. 

Card-holders shouldnt have to wait 90 days at a time when all the information has been supplied to investigate an issue. I sent two photos each time to GS/Apple to indicate what I paid for versus the XXXX I received. 

Further, the process to file a dispute takes WAY too long. 

Here are the following dispute numbers that were opened then closed without any communication. Additionally, it appears that Goldman Sachs purposefully does this to discourage the dispute, which ultimately ends up in the consumers hands to pay. 

I spoke with XXXX and then XXXX at GS on XX/XX/XXXX - Dispute was closed without anyone contacting me. 
Contacted again on XX/XX/XXXX - Dispute was closed by XXXX then XXXXGS - it was for the reversal of {$180.00} - I ASKED FOR THE ENTIRE AMOUNT. No one contacted me. 
XXXX XXXX indicated that the issue was reopned when it shouldn't have been closed! 
XXXX - XXXXGS - sent him pics via text message. Issue was closed. 
Called on Wednesday XX/XX/XXXX when I rec 'd a bill for {$180.00} but I asked for the entire amount to be refunded. To date, NO RESOLUTION has been made. No one texted me back. The consumer shouldn't have to text someone for a resoution. Its a guranteed no-win for the card holder.
Consumer complaint received 2024-05-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XX/XX/year>, I contacted Capitol One to inquire about where to submit my Capital One Bank Customer Removal Authorization/Modification Agreement ( https : //ecm.capitalone.com/WCM/bank/pdfs/customer-removal-authorization-form.pdf ). 

Representative XXXX placed me on hold while he consulted with a colleague. XXXX informed me that the only way to remove myself as a co-signer would be to refinance the loan. I shared that I had already completed a notarized agreement that was available from Capital One. XXXX placed me on another hold while he consulted with a colleague. Upon return, XXXX requested I provide the web address where the form was located. I shared the web address. XXXX then stated that it " may be an outdated page '' and reiterated the only way to remove myself as co-signer would be to refinance. I shared with XXXX my concerns because I followed the information available, including paying for a Notary Public as required by the document. XXXX asked me to find the page on their website, to which I responded by questioning why I am being asked to find a page when they have a publicly available document. I asked to be transferred to someone who could receive a complaint and was directed to representative XXXX. 

I explained to the representative XXXX that the same information was shared with XXXX. XXXX reiterated the same. I shared that this felt like an unfair business practice because the form was available only. I additionally asked XXXX to confirm that even though I followed the instructions of their form, including getting a Notary Public service, they would not consider my request, and the only way to remove myself as a co-signer was to refinance the vehicle. XXXX reiterated this as true. 

I informed XXXX that I would be submitting a consumer finance complaint and requested that their decision be notated in my file and all phone records are retained for accuracy and credibility.
Consumer complaint received 2024-05-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

I disputed a cc charge of a rental car sometime in XXXX ( I don't remember exact date ) that I never rented a car from said company or any other company. I received letter dated XX/XX/year> that the charge was resolved in the merchants favor. I followed up with a call asking for the documentation and sent a letter dated XX/XX/XXXX denying the charges. Basically saying that I have not rented from said company nor was I at the location stated. Also stated I called the rental company and the person from the rental company told me they could not find any evidence said transaction and that a XXXX would call me back within XXXX hours which never happened, When I called Barclays Credit card services about said transaction on XX/XX/XXXX they indicated they could not show that charge in dispute. My reading of Regulation Z basically states that a financial institution has to reflect the disputes on a credit cards. Personal from Barclays said they had 30 days to make that decision as it was bank policy. But as I have already indicated Regulation Z requires financial to reflect consumer disputes provided certain steps are take, which I did. Regulation Z does not make distinctions weather it is the initial dispute or a re-dispute. Also as stated earlier I have requested the documentation that the merchant has provided twice and as of the writing of this complaint have not received anything. 

Barclays claims it has 30 days to make the determination and it does not have to reflect said transaction as disputed per their policy. But in my mind that is not what Regulation Z states.
Consumer complaint received 2024-05-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (WA)

I decided to get XXXX XXXX so I could start rebuilding and repairing my credit. Im about XXXX years ago I noticed that there was some faulty inquiries on my account, saying that I owed some bills that did not belong to me. I had also left a domestic XXXX and had some identity theft issues. I contacted the company themselves XXXX XXXX they said that it was for a XXXX XXXX that was opened on XX/XX/XXXX of XXXX I believe And I had already had a free phone through the government. I wasnt even receiving a phone I never purchased a phone and never got any phone service so it was very weird to me went through lengthy investigation with XXXX XXXX and XXXX and they finally decided the second time after speaking to that it would be removed and would not be returned to my account now all these months later, XX/XX/XXXX they entered it back on my account. And it dropped my credit by XXXX points.