davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC (FL)

On XX/XX/XXXX, a foreclosure action was filed against our property. See attached LIS PENDENS. Under Florida Statute 673.3081 ( 1 ), a homeowner has the right to challenge any signatures on the promissory note. Under the same statute, all documents filed or attached to the foreclosure complaint are presumed to be authentic while the burden of proof falls on the defendant. On XX/XX/XXXX, A Qualified Written Request under RESPA was sent to XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc. The company failed to acknowledge receipt of the document within the statutory time set forth under RESPA Law. Pursuant to 12 C.F.R. 1024.36, the company are required to acknowledge the request within 5 business days. See proof attached that it was faxed to the company and received. Before sending the Qualified Written request, we contacted the company and communicated the reason for the Qualified Written request, the company responded by providing the HR department fax number and stated that HR would be the responding to the RESPA request. As of the day of this complaint the company has remain silent to our request and failed to abide by RESPA Law. We have every right to question the authenticity of the signature reflected on the promissory note. The note contained an allonge naming XXXX XXXX. We ask that company the following question : 1. ) Is XXXX XXXX an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? 2. ) Has XXXX XXXX even been employed by XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? If so when did it ended? 3. ) Can you provide any proof that XXXX XXXX was an assistant vice-president for XXXX XXXX XXXX XXXX XXXX f/k/a Urban Financial Group Inc? Under the above Florida Statute we have every right to have these set of questions answer.
Consumer complaint received 2023-05-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

In XXXXXXXX XXXX XXXX I went to Truist Bank after my parents passed to see what my parents had in the way of CDs or IRAs. I spoke with a lady at the bank and was told my dad had three CDs in the amounts of {$56000.00}, {$58000.00} and almost {$100000.00}. She even looked at me and asked what my father did. I told her he was an engineer. When my sister opened up the estate account, she said there was only {$79000.00}. Over {$20000.00} of this amount was from their checking account. I asked my sister about the difference, she told me they said thats all they had. Since she embezzled money from the company my father worked for years ago, I didnt believe her. She wouldnt share anything and would hang up on me when I asked about statements. She said she didnt have to tell me anything. It wasnt until I wrote her lawyer a letter about her behavior, she would create an XXXX spreadsheet that made no sense. I decided to get a lawyer. So far, I have spent {$12000.00} out of my own pocket. I had poor legal representation and now have to pay her court costs. My brother and sister have disowned me because of what Truist told me. I now have no family because of Truist. Truist has caused me to lose the only family I had left, spent thousands of dollars trying to get to the bottom of it and severe anguish and XXXX. This is so wrong they cant get away with this. 
I am a widow of a Chief Warrant XXXX XXXX that was in the United States XXXX XXXX.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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, 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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, 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mountain West Legal Solutions, PLLC (UT)

I was receiving a number of automated messages on my answering machine that spoke vaguely about some unpaid debt. When I called the number back and inquired I was told the debt ( in the amount of {$760.00} XXXX was an unpaid medical debt dating back to 2007. When I asked about the specifics of the debt and what is was for all they could tell me was the date and location XXXX XXXX XXXX XXXX XXXX. I then called the hospital to inquire about this unpaid debt and they said I had no unpaid through them. I called back the debt collector and they said they would send me a letter detailing exactly what the debt was for. I did receive this letter, but again, it did not state what the specifics of the medical bill were for, but expalined how I could pay the bill, which included a self-addressed envelope. While I was present at the hospital on this date, I was full insured at the time, and was never notified prior to this about this supposed unpaid debt, which is over 7 years old! I strongly suspect this was a fraudulent attempt at collecting money on an old medical charge that has already been paid.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, I recently reviewed my credit report and discovered some inconsistencies. There are some accounts on my credit that do not belong to me nor was I ever notified about. I will dispute these fraudulent accounts with the credit reporting companies but I would also like for the credit reporting companies to be investigated as well as I never authorized these accounts to be on my credit report. 

Thank you
Consumer complaint received 2016-01-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: First Recovery Solutions, Inc. (MD)

Over the past several months, I 've continued to receive phone calls from First Recovery about debt collection for a person that does not work at the number they are calling, which is my office and a government office. I 've made several attempts to update whomever is on the customer service end to remove this number off the list. The collector is looking for a specific person : XXXX XXXX. That individual does not work the line they keep calling over the past year nor do I know the person. Every time I receive the call from this company, i 've updated the customer service person and yet I continue to receive phone calls/msgs. After several frustrations over the past year, back in XXXX XXXX/XXXX/XXXX, i decided to do my own research online to find this XXXX XXXX person and guess what, was able to find her. I gave the customer service person the updated contact information back then because it seems like they ca n't do their job. It took me less than 10min to find her online. I received a call from this company XXXX/XXXX/XXXX. Morning of XXXX/XXXX/XXXX, i call back to once again update First Recovery and again I receive a call back XXXX exactly the same day XXXX/XXXX/XXXX calling about the same thing. I am beyond frustrated and can not believe people ca n't do their job to find the right person. Stop calling this number government office line. PLEASE STOP CALLING THIS GOVERNMENT LINE looking for the person as the individual does not work here nor do i know the person. Every time I ask the collector to update, they said they removed the number but i still continue to receive several phone calls over and over again. Every time I ask about which company this is, the customer service person/debt collector hangs up on me. Finally, at least i was able to find out that it was FIRST RECOVERY.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (NE)

XX/XX/2022 XXXX calls to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX They said I had XXXX cards which I did not and even had charges on the XXXX card. I did not use the other card as rates were too high. They even charged me for not using the card after I had it cancelled in XX/XX/2022.
Consumer complaint received 2022-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo i was denied mortgage help so much and was strung alone for years i would be asked to submit documents and i did and then i would be told that the document time period expired. 
A loan officer signed my name and husband 's name illegal to the correct names on our license on mortgage documents i have problems every time i call in a payment, i am belittled and put through so much stress now my payment is 4 times what it was 5 years ago and i have missed a payment i was told several times that the bank not to pay mortgage insurance and taxes, after being told that there was a procedure where the bank would pay mortgage taxes. I have a thick folder of complaints dating back several years and nothing has been done about it to date
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I always paid off my New Balance before or on the XXXX  of every month On XX/XX/XXXX I paid {$710.00} for my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX Checking - XXXX However on XX/XX/XXXX XXXX Credit Card showed ELECTRONIC PAYMENT on XX/XX/XXXX so I phoned Capital One Customer Service at XXXX told me that Capital One will waive {$25.00} of Fees Charged and {$11.00} of Interest Charged before I closed all accounts with Capital One on XX/XX/XXXX On XX/XX/XXXX I paid {$1900.00} my XXXX Credit Card XXXX XX/XX/XXXX Payment Due Date from my XXXX XXXX XXXX XXXX checking account because Capital One did not waive {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX Now on my XXXX Credit Card of XX/XX/XXXX Payment Due Date showed {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX I need XXXX XXXX XXXX to contact Capital One about refunding {$25.00} of Fees Charged as Capital One told me when I phoned Capital One before I closed all accounts with Capital One on XX/XX/XXXX and negating {$5.00} of Interest Charged while I closed all accounts with Capital One on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

many fees charged to my wells fargo checking account XXXX to XXXX. My account was frozen by wells fargo as well, then closed!!! I had banked with WF for 37 years!! I was shocked. WF and several customer service reps screwed me up finanancially for years too.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have sent XXXX letters requesting corrective action. The last letter TransUnion informed me that they have no obligation to further investigate my claim. My claim is that they clearly violated the law and I am now seeking {$5000.00} in damages. 

Letter After reviewing my credit report, I noticed that there is a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If TransUnion can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts, The Bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 


XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deed nor the U.S. Court system due to Fair Credit Reporting Agency PRIVACY LAW. 
You, TransUnion, ARE BREAKING THE LAW AND ARE COMMITTING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information. 
Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumers report. 


You, TransUnion and your fraudulent activity and continuous violations are causing me great injury as you are preventing me from receiving credit to support and sustain my family. 
I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. 
I will be seeking no less than {$5000.00} in damages for, but not limited to : XXXX ) Defamation ; XXXX ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the fair Credit reporting Act and Consumer Financial Protection Bureau.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (MA)

I had a loan with Wells Fargo. Becuase of covid, i requested extra time to pay. Thier customer service department agreed to it, however they reposossed my car shortly after agree to new terms. Thier customer service was horrible. They lied.
Consumer complaint received 2022-12-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc (AR)

I am filing a complaint against Credit Fresh for operating a payroll loan service in the State of Arkansas and charging customers interest rates beyond the allowed limits in the State of Arkansas of 17 %. Also, under the Arkansas Law payday lenders are prohibited to loan money in state of Arkansas.
Consumer complaint received 2019-05-20
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. (FL)

There are two accounts in collections for a medical bill. The report doesn't show where the bill is coming from only two amount XXXX and XXXX. These bills are covered under medicaid and a complaint has been filed against XXXX XXXX XXXX. The information is incorrect.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-20
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. (NC)

by fcra rights and laws for my consumer protection i have not given trans union .XXXX  XXXX XXXX  i am requesting remedy for {$5000.00} plus removal permission to goto a third party and illegally furnish my bankruptcy in which the courts sent me a letter they do not and will not place a record on either reporting agency and they lied and responded fraudulently that the info was furnished by the courts itself this is not in truth, at this point i am asking remedy and seeking removal now no one has writes to do this to me take my personal business about my life and furnish it from any of these third party entities and lie ask them why the courts have proven they are in violations and they dare lied to you ask for evidence i already supplied attached to the previous reports
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/18 XXXX a.m. ATM at XXXX XXXX XXXX XXXX. 
I tried to withdraw XXXX dollars from my account ( non-Bank of America account, even though I am a BOA customer ). The ATM gave me back my card, but no funds were disbursed. I drove away from the location. There was another car right behind mine and they had to take the money if it was disbursed after I left. 
I went to another ATM machine and withdrew XXXX dollars with no problem. 
When I went back to my house, I checked the balance in the account and there were XXXX withdrawals for XXXX dollars. 

Bank of America feels they are not responsible because it isn't a BOA account. I went to a branch and asked if could review the videos they have to see what happened. They refuse to do any research. 
I called many different numbers and they say they can't help me. 
I have filed a police report to ask BOA to review their tapes. I am sure this is not a priority for the XXXX Police Department. 

I would like to know if something can be done to have BOA review their recording. 
Any help will be greatly appreciated.
Consumer complaint received 2017-03-31
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (NC)

XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process. 

I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}. 

I have never contracted with XXXX for anything. 

XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework. 

I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland. 

I have never lived in Maryland. 

One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country. 

This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating. 

Are there not laws stipulating specific legal protocol for businesses to follow???