davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is an account reporting on my credit file with XXXX XXXX and it has been settled and they agreed to remove it. I am trying to get this removed off my file if anyone could please help me with this I would truly appreciate it. the Plan ID is XXXX and the person that helped me with this at XXXX is XXXX XXXX. Phone number is XXXX Please time is of the essences
Consumer complaint received 2021-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/2020 WE my wife and I bought a set of sofas and a Bed.XXXXand XXXX. 
WE paid XXXX debit card XXXX credit for each item. 
THE furniture CO deliver the bed but the haft of the sofa in XX/XX/2020 the other haft was some were in warehouse. I was guarantee to get it in two weeks. 
I received the haft of sofas set on XX/XX/2020.and they are charging us XXXX for delivery of that sofa. 
In between the situation we went to the store to claim some credit and the mistreated us. 
They suppose gave some credit to us but we never see it. 
I paid off the account and they created another account on my name with the balance of XXXX.and at this date they still charging interest to it which I never going to pay.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I have a XXXX XXXX  ending in XXXX through XXXX XXXX, which I had disputed unauthorized charges from XXXX XXXX  XXXX  over 3 months ago. After numerous complaints an employee from XXXX XXXX finally contacted me on XX/XX/2021. 
This employee identified himself as XXXX ( runs the back office for XXXX XXXX ). XXXX XXXX goes through XXXX XXXX to offer the XXXX XXXX. 

XXXX attempted to explain why my disputes were not handled properly and why they were furnishing inaccurate information to the credit bureaus. XXXX did apologize for the way my account and issues were handled which I appreciated. XXXX requested to start over with my original disputes and allow him to conduct the investigation that should have been conducted 3 months ago. 

I informed XXXX I would no longer discuss this issue until the balance the XXXX card is wrongly reporting is updated correctly to a XXXX  balance. I explained what I have been through and how the inaccurate reporting has caused me financial, and emotional harm. XXXX was not receptive and our conversation ended. About an hour later I attempted to log in to my XXXX XXXX account and was blocked. As of today XXXX XXXX my account continues to be blocked. 

I can not access it online or by phone. I have called customer service numerous times and no one has been able to help me, I am placed on long holds without anyone picking up the phone. If there is a small balance remaining I have no way of making any payments. I am completely blocked and one representative claimed the entire account was charged off for fraud. Makes no sense ... If XXXX reports this account in any negative way it is clearly a deliberate attack to harm me by ruining my credit more than they previously have.
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

An account was opened under my name with my Social Security Number with Capital One. I requested that they canceled the account. They sent me a note that the account was cancelled. However, I am still receiving monthly statements which means that the account is still open and will collect fees.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC. (FL)

To whom it may concern I purchased a vehicle about 2 years ago and ally is the bank that finance the vehicle. In the beginning everything was fine until about 5 months ago. Almost every payment i make ally returned the money to my bank account. When I contacted my personal bank they told me the error is not coming from their end that its coming from ally. A couple days ago I tried to make the payment again, while the payment is pending ally reposes the vehicle. I called them to tried to get the vehicle back they told me I have to pay the full amount of the full loan to get the vehicle back. Which doesnt make no sense and the error wasnt coming from me. I want to know if theres anything you guys can do to help me because I would hate for this to go on my credit.
Consumer complaint received 2021-03-10
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

As of XX/XX/XXXX prior to XXXX shutdown I cancelled my services due to moving. I received a final bill from XXXX with a final bill ending date of XX/XX/XXXX. I have no agreement with XXXX after XX/XX/XXXX. 
I had a credit as of XX/XX/XXXX in amount of {$91.00}. 
I received a bill from XXXX in XXXX and contacted XXXX immediately. It was determined after I chatted online with agent ( I am providing a copy of the chat I saved ) and speaking with a supervisor afterwards I DID NOT owe anything. XXXX XXXXontinued to bill me for a closed account. 
I provided Experian my proof immediately XXXX Last Billing statement ) on XX/XX/XXXX when I was alerted something negative posted to my account dropping my XXXX XXXX XXXX points!!!! 
I do not believe Experian honestly " investigate '' and looked at my proof. If they did the collections should have been removed immediately. 
Instead Experian updated the account having collections still on my account and reporting late charges for something I do not owe and is ruining my Good credit As of this date XX/XX/XXXX XXXX XXXX XXXX continues to inaccurately report information on my credit report. The reported alleged debt owed is inaccurate per my proof I am providing. I do not have any agreements or terms with XXXX XXXX Services nor XXXX. Nor have I heard of them prior to having an inaccurate collections placed on my report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (CA)

I handled whatever debt via modifications that included all loans years ago. Real Time Solutions is aware of this but claims they somehow acquired a debt I modified and worked long and hard resolving with my creditors. Back in XXXX I filed a complaint XXXX with the FTC against Real Time Solutions to stop harassing me over a debt collection they didnt even rightfully own and has been dealt with directly with my creditors. I would like a cease and desist order given to Real Times solutions as they think they can continue this after all this time when it wasnt valid in the first place. Also note they switch stories on which home they are collecting on my rental or primary residence so they know they have no legitimate claim and are making things up.
Consumer complaint received 2022-01-31
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. (MI)

TransUnion has failed to properly investigate my report since I have seen a lot of issues and errors reporting on it. Also, they have failed to comply with my request of submitting any proof for me to validate the result of their investigation. They consciously continue to report unfamiliar, incorrect, and unauthorized items on my report which is hurting my credit credentials. This should be stopped immediately. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2021-03-10
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. (IL)

I sent my XXXX letter disputing inquiries back in XX/XX/2020 to XXXX and Transunion. I never received a response in the mail and I also called to verify XXXX  received the letters. They didn't verify it even after supplying tracking number. I resend the letter again and received a response back from XXXX and Transunion that the inquiries were verified. I then sent a letter requesting method of validation and never received a response. I even called to creditors myself to request record of my alleged inquiries and the creditors don't have record. So I know XXXX and Transunion are truly not investigating and stalling. Because I requested proof of investigation and didn't receive a response.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

I received my statement and noted that despite paying off the balance of the credit card, I was charged a {$29.00} " return fee ''. I had paid the balance owed through the credit card payment portal where I entered bank account information and submitted. I subsequently received a letter by US mail that the payment could not be processed online due to a glitch in the system so I reinitiated payment and the funds were deducted from my bank account. 

On XX/XX/XXXX -- I received the statement and called the customer service number to determine the reason for the fee since payment was not returned through any fault of mine but rather due to system glitch. I was told that because I mis-input my bank account number, the payment failed and I would be penalized with a fee for that typo. 

I was further told there was no way to waive or dispute the fee. 

I note that there is no disclosures on the payment portal informing customers that incorrectly providing wrong account number could result in a fee. In fact the fee itself is not disclosed anywhere on the website. Moreover, the terms and conditions for the credit card do not include this information or mention of this fee. 

Assessing a fee on a consumer account that is not previously disclosed in clear and conspicuous manner is contrary to many federal and state regulations including CFR 12 Part 1026 ( Reg Z ).
Consumer complaint received 2021-11-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

They sent me a promotion offering XXXX dollars for the first XXXX spent during the first 3 months. XXXX XXXX called them up and the person I spoke with told me the card they issued me was a different card and I would not be getting the XXXX dollars on the promotion they mailed to me
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AL)

Someone stole a blank check from my mothers and my checking account. Then wrote it out and forged her signature. The bank cashed it for {$450.00}. Then at another location, they tried to cash a fraudulent check with our same account number. It was then discovered that the one the first location had already cashed, shouldnt have been. We disputed it, filed a police report and now today the fraud department of the bank called and said they wouldnt cover the check, because we didnt keep the check safe. The checkbook was in my mothers purse. The bank has a picture of this person and his ID number. The police are looking into this further but I have to do a lot of leg work to get this done. They know it forged, but still wont cover the check.
Consumer complaint received 2022-01-31
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: EQUIFAX, INC. (MD)

My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.
Consumer complaint received 2023-08-08
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. (FL)

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (FL)

US Bank placed a security hold on my account because I changed addresses in XX/XX/XXXX. To release the hold, I have uploaded all documents they requested, including : Social Security Card, Driver 's license, Bank Statement, Tax form. Everything was exactly as requested. Still, after calling multiple times, we are now in XX/XX/XXXX, and they refuse to release the hold on my account and send me out a card. Also, they refuse to tell me why they won't send out a new card. They have essentially stolen {$15000.00} of my money. I don't know if they think they can get away with this, but will file a complaint with law enforcement, and take them to civil court if necessary.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (NC)

Your recent claim stating you validated regarding a closed auto loan account # XXXX, which you claim I owe {$10000.00} and a closed credit card account # XXXX which you claim I owe {$10000.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I have mailed out once again a certified letter tracking # XXXX stating this request. I have also talked to Navy Federal Credit Union agent of this matter and sent police report, affidavit, id, proof of address.
Consumer complaint received 2021-03-10
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: Resurgent Capital Services L.P. (PA)

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-03-10
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (GA)

My finances were severely effected by the COVID- 19 pandemic. I was furloughed from my job and went on unemployment. However, due to a large amount of fraudulent cases hitting the unemployment system, my payments were placed on hold for months until the Department of Unemployment could get to my case and verify my identity. This left me with no type of income for 16 weeks. 

I applied and did receive a COVID forbearance. However, the company only offered a 30 day forbearance. After 30 days, I was still unable to make a payment because I still did not have any income. 

XXXX XXXX reported my account 60 days late to the credit bureau. This dropped my score 89 points. On XX/XX/XXXX, I made a payment of {$160.00} to bring my account current. I then reached out to the company to see if the late payment could be removed from my credit as a one-time courtesy since I've never been late on a payment and the reasons that I was late was beyond my control. I was told that I would have to write a letter to the dispute department which I did on XX/XX/XXXX. 

On XX/XX/XXXX, I called to follow-up on the letter. I was never given an option to speak with anyone directly in the dispute department. I was then told that I would have to dispute it directly with the credit bureaus. 

On XX/XX/XXXX I opened a dispute with XXXX. XXXX XXXX replied back to the dispute stating that everything is correct. My problem is that I'm not disputing whether its right or not but I am unable to effectively communicate that via the online dispute portal and I can not directly get in contact with anyone in XXXX XXXX 's dispute department.
Consumer complaint received 2021-03-10
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: Experian Information Solutions Inc. (CA)

Submit again : the Experian just closed the case. He ask me to sumbit my details but no email address. How can I do? Where should I send my information? Just close the complaint case is over? 

In 2020, a company named XXXX XXXX inquiry my credit many times. And, it send many letter to my home. I dont give the permission to this XXXX XXXX inquiry my credit. I am worried about it. Please give me support. 

My email is : XXXX XXXX
Consumer complaint received 2017-02-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I 'm trying to drop my PMI insurance on an FHA loan. I currently owe {$34000.00} on the loan with the current value of the house at {$45000.00} leaving me with a ltv of 76.27 % the original value of the house was {$72000.00} leaving me with a value of 47.67 %.
Consumer complaint received 2021-03-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (PA)

The issue at hand has to do with an account established for me by the XXXX of Pennsylvania for the purpose of depositing my Pandemic Unemployment Benefits. On XX/XX/XXXX and XXXX of last year, my account was hacked and either {$2000.00} or {$4000.00} was stolen. I am uncertain of the amount because the monthly statements are confusing at best. A copy of my XXXX statement is attached. To their credit, the bank ( U.S. Bank ) discovered the breach and immediately froze the account, terminated my card and sent me a new one. In spite of that, it took weeks, and hours on the phone, to restore access to the account, but that's not the root of the problem. I recieved a resolution letter from the bank dated XX/XX/2020, a copy of which is also attached. It provides no information regarding the amount stolen, says that they concluded that they did nothing in error so no funds would be credited to the account. It also clearly states in the third paragraph that they will provide the documents used in their determination if I request them. Of course I want those documents so we can document the loss and the amount of the loss on our tax return in an effort to not pay income tax on money lost due to theft. I have made repeated calls to U.S. Bank 's fraud department and have been told on three occasions that they would send the documents, but none have been forthcoming. Each time, the person I spoke to said that they had no idea what I was talking about, but when I convinced them to read the letter, they promise to send the documents. At this point, I must confess, their unwillingness to send this documentation has made me suspicious. I'm wondering if any investigation actually took place or if they just decided that they would rather have me take the loss than them. It's also odd that if I withdraw more than {$1000.00} in a 24 hour period I am to pay a fee, but no fee was charged for these {$2000.00} withdrawals. XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-10
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. (CA)

I have inquiries on my credit report that I did not authorized I sent proof of police report and identity theft report to transunion and they still refuse to remove these inquiries that I did not authorized