davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Indie Technology DBA Found (TX)

There were 3 charges taking out on XXXX XXXX XXXX 


* 2 charges for the amount of {$630.00} from XXXX XXXX I called the merchant and they never got any transactions. 
* 1 charge for the amount of {$120.00} from the same merchant XXXX XXXX and the foun bank refise to help me get my money back. Inform them that I did not authorize the transaction at all. They did nothing at all.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

Hard inquiry from XXXX XXXX that happened without my consent, and to a large extent. XX/XX/2022 XXXX unrecognized hard pulls. 
CAPITAL ONE AUTO FINANCE 2 hard inquires I was no aware of. 
XXXX 3 unrecognized hard pulls. 
XXXX XXXX XXXX Hard inquiry reported on my credit profile without my approval. 
XXXX XXXX- unapproved hard inquiry reported on my account XXXX XXXX XXXX XXXX XXXX unapproved hard inquiry on my account XXXX XXXX XXXX hard inquiry on my profile without my consent
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CA)

COI is harassing me and inaccurately reporting information to the credit bureaus resulting in my profile being compromised. I am livid and intend on filing litigation for these unethical and ILLEGAL tactics. The original fraudulent account was already removed from my credit report and COI is going against that for their own financial gain. Attached is a copy of my FTC report. Please remove this account immediately.
Consumer complaint received 2020-03-18
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. (TX)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX  XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX  XXXX {$280.00} XXXX XXXX {$8500.00}
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was in the process of buying an ATV for summer fun. As I was looking for the one, I liked the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualified. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed. I have been a victim of identity theft. 

XXXX XXXX XXXX {$93.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX {$280.00} XXXX XXXX {$8500.00}
Consumer complaint received 2021-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MD)

My loan was sold to Flagstar effective XX/XX/2021. My escrow account was {$6000.00}. Flagstar did not pay my HOMEOWNER INSURANCE from my escrow, despite telling me theyd overnight it to my insurance company. My insurance was subsequently canceled. I had to spend an enormous amount of time trying to get this rectified. Then they didnt pay my PROPERTY TAX, which incurred a late fee of {$220.00}. I contacted them XX/XX/2021 about the delinquent property tax bill. They sent me ONE email stating that that was all Id hear from them, which was ridiculous. I spent numerous hours and made numerous phone calls trying to get them to pay my property tax. No one ever reached out to again, I had keep trying to contact them. I finally spoke with a person at the headquarters named XXXX XXXX. He told me the property tax was paid on XX/XX/2021. No one ever notified me. I had asked numerous people numerous times ( including Mr. XXXX ) to inform me of any payment but I never heard back from anyone. This company is awful and the customer service is non existent.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

On XXXX XX/XX/2020, I received a notice through XXXX that a collection had been opened up on my credit account. The collection was reported through XXXX. 
The collection was through a company identified as Southwest Credit Collection for the amount of {$300.00}. No further information was noted as far as for what this was for, etc. XXXX  was immediately contacted and a dispute filed as well as a credit freeze/ monitor request. 

I have never conducted any business transactions nor heard about this company. This action has dropped my credit score over 20 points. Additionally, my credit, up until this incident was great, as I regularly pay all my accounts off ( credit cards ) monthly and keep a low debt balance. There has been no communication from this company either, just a mark on my credit for whatever business Ive never done with them.
Consumer complaint received 2022-03-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Heartland Resolution Group, LLC (VA)

On XX/XX/XXXX I received a debt bill on XXXX XXXX tthe date from the heartland reservation group for XXXX XXXX XXXX the original creditor be in XXXX XXXX  they are trying to send me a bill for {$53.00} from XXXX
Consumer complaint received 2021-06-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (CA)

Began refinancing process with InterContinental Capital Group XX/XX/2020. The refinancing was my house as well as a duplex I own. I previously submitted a complaint ( XXXX ) which get their attention and they finally got our refinancing done for my home about two weeks ago. I am still trying to find out the status of the refinancing on my duplex. In spite of my continued emails and phone calls, I cant get anyone to answer me. At this point ( its been 8 months ), I want to know if the loan is ever going to happen or if I should just go with another loan company. People I have talked to during this loan process ; XXXX XXXX ( senior loan officer ) XXXX XXXX XXXX ( Production Coordinator ) XXXX XXXX XXXX ( Loan Officer Assistant ) XXXX XXXX XXXX ( Loan Processer ) XXXX X XXXX.
Consumer complaint received 2022-03-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CO)

My mortgage servicing bank ( BB & T ) was purchased by TRUIST bank and since that time I have received no correspondence. TRUIST has failed to deliver my 1098-B for the XXXX tax year, they've failed to deliver any documentation to my address. When I call their customer service ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX x2 ) to verify my address and correct it on file, I'm told documentation will be sent but it never does.
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

From XX/XX/XXXX- XX/XX/XXXX we requested and received Covid-related relief on our mortgage payments through Truist ( formerly SunTrust ). By XX/XX/XXXX we were able and eager to restart paying our mortgage. However, since then we have been sent incorrect paperwork to restart the payment process by Truist on multiple occasions. The representatives we have spoken with initially said this was due to confusion on the bank 's part after the merger with SunTrust. At one point we actually filled out the paperwork we had been sent and Truist began auto-drafting our payments ( as we had expected and was done prior to our Covid relief request ) but then reversed those payments saying we had been sent the wrong set of papers and those payments were somehow incorrect. 

After that they started telling us to call in to Truist monthly to make " good faith '' mortgage payments over the phone to avoid our account being reported as delinquent, which apparently happens if no payments have been made for 18 months. So we diligently did that monthly while we waited for whatever the correct set of papers Truist was supposed to send us ( which apparently takes XXXX weeks every time a new set of forms gets sent ). Then much to our surprise despite all of that our account was reported as delinquent to all of the credit agencies, again despite us making full payments over the phone with Truist since XXXX ( prior to that Truist had auto-deducted our bank account for XXXX other months but then reversed those charges ). 

So we have been in the sort of darkly comical situation where we have been eager and able to start our payments since XX/XX/XXXX, but Truist has been unable to actually accept our payments because of incorrect paperwork or merger issues. My wife and I have probably spent 24 hours on the line with various Truist representatives since this all started. Ordinarily we wouldn't actually care that much except that this has suddenly and dramatically affected our credit scores. 

When we discussed this with Truist, they told us to file reports with Truist and all of the credit agencies explaining this but then Truist said they investigated the account and everything still stands. The representative said on the phone they can see we've been making payments but they can't see where those payments are being applied or what account that money seems to be going into on Truist 's end.
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX An amount of XXXX was taken off my debit card via atm transaction. I bank with secu and once i noticed this withdrawal i immediately called. They told me they would file a dispute for me. Today XX/XX/XXXX makes the XXXX day of the dispute instead of them reaching out to me i had to call them for them to tell me the dispute was denied. I was at work and can show proof and i would like to see who was at the atm. Because it was not me. The lady who was so rude on the other line of customer service stated it was denied because no one should know my pin and maybe it was my boyfriend. I am beyond disappointed in how this was handled.
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc. (FL)

Unifin Reference Number XXXX from XXXX XXXX XXXX XXXXXX/XX/2009 total amount with interest is XXXX. Originally {$1100.00}. I had paid off all of my bills before I could sell my home in XXXX New York, XXXX XXXX XXXX, XXXX NY XXXX. I went through a lawyer to paid off my debts. I was free and clear. I moved to Florida and could not have been able to buy a new home, if I had this bills. Now they are sending me letter. Phone number on the letter is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020, an unauthorized XXXX transfer of {$1000.00} was sent from my Bank of America checking account to a XXXX XXXX account of my estranged son. I was notified by BOA as soon as the transfer occurred and I immediately contacted them to say this was an error. Although the transfer showed as pending I was told it could not be stopped. BOA attempted to recover the funds from XXXX XXXX who refused to return the funds. 

XXXX XXXX stated the funds went to the intended recipient. That is not true since I did not intend to send those funds. 

The funds went into an inactive account so the recipient did not receive them and cant return them. 

BOAs On Line and Mobile Banking Security Agreement states that consumers would be protected from fraudulent transfers. While this may not meet the strict definition of fraudulent it is an an unauthorized transfer and I should have been protected.
Consumer complaint received 2022-12-31
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX have been reporting negative information over 7 years and is refusing to remove the information from my credit report. This information is being reported to all XXXX major credit bureaus. The initial late payment was reported XX/XX/XXXX. 7 years is XX/XX/XXXX. XXXX made the account status derogatory XX/XX/XXXX which has the account reporting negative until XXXX. This goes against FCRA and XXXX, Experian and XXXX XXXX is refusing to remove the negative information despite positive payments for the remainder 5 years of the loan. I have included a copy of experian and XXXX XXXX report reflecting 30 days late payment XX/XX/XXXX.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (VA)

I will say approximately every other week for the past year that is the most straightforward answer I could give I have called XXXX XXXX signed up sign back out upgraded downgraded file class action wrote letters called received letters verified myself have gone to the XXXX had gone to social security my experience account is fake and so is my life lock that all I can say I know this is not a very professional DE briefing but I don't know what else to say I'm sitting outside of Social Security Administration in XXXX md and right now the office is closed.I had an appointment and I find myself here on this page now- I have also called the phone number listed on the door am I getting ported out to fraudulent individuals because other people next to me were calling? and only on my phone representatives were asking questions they should not be asking me such as where I was born after I already verified name date of birth and social- my Experian history of debt balance due drops to XXXX twice in the 6 months. There are over 60 credit inquires I do not recognize- and I had XXXX in 2017. Someone took over my identity without a doubt- I just need to reschedule this appointment ... please
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Hello my name is XXXX XXXX and Im submitting this complaint on behalf of myself and no one else. On XX/XX/2021 I submitted a dispute to Experian and I attached a copy of my Drivers License and copy of mail with my current address only for them to send me a letter stating I needed to send a copy of my ID and mail for them to proceed with my dispute. At this point I feel like my rights are being violated and that Im being taken advantage of.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC (CA)

I received a collection notice out of the blue on XX/XX/XXXX. The letter is from XXXX  on behalf of pinnacle credit services attempting to collect a debt for a XXXX XXXX account opened in XXXX. The letter states I owe {$1000.00}. I do not owe this amount. The account is out of the statute of limitations to collect which the letter states so I'm am not sure why this company is contacting me now.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (MD)

I made a transfer to through remitly financial service. It shows on their website, money is ready for pickup ..however the bank said they do not see any transfer. It was a failed transfer. how can a reputable financial service fail to communicate efficiently with a bank electronically. They inconvenienced my family, and the bank still did not release the money i sent.
Consumer complaint received 2020-03-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/XXXX, I received an insufficient funds notice from my XXXX XXXX Checking account. {$100.00} was being transferred from XXXX XXXX into my Robinhood account. I was surprised to see this since I was planning to close that account and purposefully left the balance at {$0.00}. I ended up paying a {$35.00} insufficient funds fee because my balance was at {$0.00}. 

I contacted Robinhood on XX/XX/XXXX about the unauthorized transfer and Robinhood placed a restriction on my account. They sent an email asking to provide them details of the event, app usuage, and account login details. I did and have not heard back. 

It's XX/XX/XXXX, and I still have not had this issue resolved. I believe that 2 weeks is more than enough time to resolve this issue.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (NC)

I tried to contact LEXISNEXIS to get incorrect information listed on my MOTOR VEHICLE RECORD removed and the representative that I got on the phone advised me to contact XXXX XXXX back as they are the ones that submitted the incorrect information to LEXISNEXIS. Here is details : I filed a claim with XXXX XXXX regarding damage to my vehicle. The estimate was for XXXX with a {$500.00} deductible which resulted in XXXX XXXX in the process of issuing to me a payment of {$71.00}. In regards to issues with the bank account they were to send the {$71.00} to I asked of my Claims Advisor over TELEPHONE that the ENTIRE AUTO CLAIM REQUEST be CANCELLED. XXXX XXXX my claims advisor stated that she reversed the direct deposit of {$71.00} and CLOSED CLAIM OUT. Well to my surprise XXXX XXXX has reported the accident to LEXISNEXIS ( which handles MOTOR VEHICLE REPORT DETAILS ) that there is an accident listed under my MOTOR VEHICLE RECORD ( MVR ) OF AN AT FAULT ACCIDENT WITH PROPERTY DAMAGE OF $ XXXX WHICH RESULTED IN MY HAVING XXXX POINTS AGAINST MY DRIVING /INSURANCE RECORD. So when I contacted other vendors for auto insurance the rates was excessive and when I ask why I am told that because of the " XXXX points '' on my MVR listing an AT FAULT ACCIDENT IN THE AMOUNT OF $ XXXX I have contacted XXXX XXXX about this and was advised to call LEXISNEXIS and when I spoke with LEXISNEXIS I was advised that XXXX XXXX is the company that gave that information and I would need to contact them back to get corrected. Well as of XX/XX/2021 that information is still on my MVR report WHICH IS INCORRECT and I can't get XXXX XXXX to remove it. I NEVER RECEIVED A PAYOUT FOR PROPERTY DAMAGE WITH XXXX XXXX FOR CLAIM # XXXX IN ANY AMOUNT. PLEASE HELP.