davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-15
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. (IN)

XXXX XXXX XXXX  XXXX Charge Off Pursuant to 18 USC8, I owe no debt this company is violating my consumer rights by rights to privacy pursuant to 15 USC 1681B. 2 Company has also no permission to report anything using my info pursuant to 15 USC 1681 4
Consumer complaint received 2018-03-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (PA)

I filed a complaint on XX/XX/XXXX in response to a missing on-going extra payment we've been making to reduce Santander 's high interest rate. This has been going on since XXXX. We have been told that they are " escalating the issue ''. Unfortunately, there have been no follow-up calls as promised until today XX/XX/XXXX. I returned the call 60 seconds after it came in. After holding for an extended period of time, I received a voice message that the office was closed. This occurred 3 times -- before closing time. I called the general number. The individual saw who called me and indicated that he was unable to put the call through to the person because " the system wouldn't let him ''.
Consumer complaint received 2023-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servion, Inc. (AR)

I would like to file a complaint against my mortgagee, Servion , Inc . The banks processes appear to be designed to, at worst, create a series of steps which are difficult for its customers to meet to correct a an error caused by Servion, and at best, the mortgage company is grossly incompetent. In XX/XX/2022, I increased the amount of my insurance coverage for a property I own. Servion is the mortgagee and holds an escrow account. Servion failed to pay an increase from the insurance company for the increased insurance cost from my escrow account. This caused the insurance company to cancel my insurance. After communicating with Servion and the insurance company, I was able to get the mortgagee to pay the amount due so that my insurance was reinstated. Today, I received a letter from Servion stating that because I do not have insurance on this property, the company is going to obtain insurance on the property and send me a bill. The letter is completely incorrect. I do have insurance on the property, Servion has a record of payment being made from my escrow account and had significant involvement with getting my insurance reinstated. The letter provides an option for insurance verification, via a website. I visited the website this morning and attempted to upload photos of the letter from my insurance company demonstrating that I have coverage. the website only accepts PDF or TIFF files, it does not except photos or JPEG images. That means that a consumer can not take a photo of a letter and upload it to the site as proof or verification of insurance coverage. I was able to turn a photo into a PDF so that it complied with the sites requirements, but the website only accepts images that are less than XXXX MB in size, which is less than a standard phone camera photo size. There is no logical reason for the file size, limitation, or restricting the files excepted to only PDF or TIFF files. As a consumer, Servion has created numerous loopholes to jump through in this process, and it appears to be designed, and set up in a way, so that consumers will fail. 

In summary, Servion failed to pay my insurance bill, failed to recognize that my insurance had been reinstated when the company is the one that paid the bill, and created a process to prove I have insurance that is onerous, which would never have lapsed, but for Servions failure.
Consumer complaint received 2023-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I XX/XX/ I received a call from Macy 's about a missing payment. I have one Macy 's card that I use and it is with AMEX. I used the card in XXXX in the Macy 's store in XXXX, XXXX, and purchased two items. I paid {$50.00} toward this bill on XXXX The bill was due on XX/XX/XXXX I paid over the telephone and was given a confirmation number of # XXXX so I was confused as to why Macy 's was calling me. When I checked the automated account information, the message stated that my next payment was not due until XX/XX/XXXX While I was on the telephone I decided to make the XX/XX/XXXX  payment early. The minimum payment due was {$29.00}, so I made that payment and received a confirmation # of XXXX. After hanging up the telephone, someone from Macy 's called again. I was told they wanted payment for my Macy 's store card. I have not had a store card in 7 or 8 years. In the meantime, the representative said she was taking those two payments off my Macy 's Amex card and applying them to my store card. I told her not to do that because I would incur a late payment with Amex, I would be charged a late fee and it would impact my credit score. She told me she was taking the payment and needed to pay them {$89.00}. The new bill came she took all of those payments and I have a late fee. This can not be legal.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (CT)

I am a victim of wire fraud. On XX/XX/XXXX I sent a wire the amount of {$30000.00} to an account/scammer that pretended to be the title company for a home I was closing on on XX/XX/XXXX. I returned to my bank, XXXX XXXX to make them aware and the manager called the receiving bank, Truist to see if the money was still in the account. Luckily the money was not withdrawn yet and the bank put a hold and XXXX XXXX started the recall process. Truist responded to the recall and confirmed again the money was still in the account. To date I have still not received my money back from Truist and have not been provided with any updates on what is going on or when I can expect to get my money back. I've now lost my home and deposit for the home. I need help.
Consumer complaint received 2023-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I worked closely with a representative to get my home funds up to par and when I finally did Noone could connect me with her. I was able to pay and when I had a lump sum I was told that wasn't good enough. I sent in payment and it was sent back stating I couldn't pay any amount towards my payment unless it was full
Consumer complaint received 2023-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCF Intermediate Holdings LLC (MI)

2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I do not have any idea regarding these fraudulent accounts on my credit report. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as a proof of my identity and my Proof of Address.
Consumer complaint received 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (IL)

There was no fraudulent deposit transactions totaling {$8000.00} the money was then fraudulently Taken via my cash app account in the amount of {$7800.00} which was reported. I received the credit reversal of only {$6000.00}. If they can see {$8000.00} was fraudulently deposited and they took the {$8000.00} why would they not take the {$2000.00} and reverse it as well. I provided a cash app statement showing all {$7800.00} went to the same people all which were fraudulent. XXXX attempted to recover the funds but it was too late. Since {$8000.00} was taking my account was overdrawn by over {$500.00} which was then taking from my XXXX  account to cover.
Consumer complaint received 2018-03-02
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: Early Warning Services, LLC (TX)

I submitted a dispute to Early Warning on XX/XX/XXXX due to the incorrect information stated on my Early Warning consumer report which was reported by XXXX   XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX reported my checking account to Early Warning with the contribution reason " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' after I used my mobile checking app to mobile check deposit checks I received from a customer. After XXXX XXXX XXXX completed the transaction of all of the checks and deposited the funds into my checking account, I used my debit card to pulse the funds out of my account, then received notification from XXXX XXXX XXXX that the checks were bad. I visited with a XXXX XXXX  XXXX branch manager in person immediately after I was notified that the checks were bad, and manager assured me that it was an incident that occurs all too often and that I would not be affected negatively since I was a victim of fraud. But then, XXXX XXXX XXXX closed and reported my checking account to Early Warning stating I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' which is false, and why I submitted a dispute to Early Warning. 

I was 100 % authorized to use my mobile checking app and I am NOT prohibited from using my mobile checking app to mobile check deposit checks into my checking account. It is the responsibility of XXXX  XXXX XXXX to handle each transition correctly since I am the consumer and not trained or skilled to recognize fake or fraudulent checks. 

Early Warning sent me correspondence regarding my dispute and my rebuttal statement regarding the denial of my dispute. Their response stated that " we have determined this dispute to be frivolous or irrelevant and are terminating the reinvestigation of the information disputed '' which is totally demeaning and unethical. My dispute stating that I was a victim of fraud ( someone gave me fraudulent checks in exchange for goods ) is far from frivolous or irrelevant. It is the facts and proves the information on my report to be inaccurate. 

Early Warning 's decision to leave the inaccurate and negative information on my consumer report is wrong ; the information should be removed due to the inaccuracy. Like every other XXXX  XXXX XXXX consumer, I was authorized to utilize my XXXX XXXX XXXX mobile checking app and the mobile checking deposit feature on the app. I should not have to succumb to stress and financial hardship for 7 years because XXXX XXXX XXXX took it upon themselves to transact and deposit checks into my checking account that were bad.
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (FL)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX
Consumer complaint received 2023-01-15
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. (FL)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX ) is still showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Commonwealth Financial Systems, Inc. (LA)

I have contacted the company and XXXX  about the mistake. After I disputed done collection account 's. When they decided my dispute was not worth removing the 6 plus year old Accounts they came back on my name as JUST OPENED
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-21
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. (GA)

I received a copy of my credit report regarding XXXXXXXX XXXX  ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary.

Please send correspondence via mail regarding the changes.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

I was always having double over draft charges or overdraft charges being charged within days of one another. I know most banks give you several days in between before another overdraft charge is submitted but with Wells Fargo it literally would happen in same day. 
And they promised over draft protection in the amount of at least {$600.00} and I was never able to get protected in anything over {$150.00}. And I had direct deposit. 
This was the worst financial institution I ever banked with.
Consumer complaint received 2023-08-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FORD MOTOR CREDIT CO. (PA)

Spoke with Ford finance twice this week only for them to say they dont have any information available for me and gave me two different numbers to a collections company. The first number doesnt have any way to leave a message or request call back, the second number which I received today doesnt ring. They reported that I owe XXXX onto my credit and all I received was a typed piece of paper that said amount owed. Im requesting any type of actual proof of what they sold it for and an actual way to contact this collection agency who they may have misrepresented telling me it is a lawyer. The numbers they provided are XXXX and XXXX. Will absolutely be bringing them to court if not rectified. Have reason to suspect contractural fraud with finance charges from the dealership as well. XXXX XXXX of the XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (AR)

Did you buy this alleged debt? You have no proof that I indeed went to see this doctor and/ or was seen by this doctor. ARS is making an assumption that this debt is mines. I consumer XXXX XXXX did not receive any validation of this debt. This is a violation according to 15 USC 1692G. Consumers indeed are the only person that can indeed validate a debt. You as a debt collector can not. Many of debt collectors get sued for this very reason because unfortunately, you assume liability the moment that you buy this debt or communicate with the alleged consumer about this alleged debt. This is a violated to the HOSPITAL AND ALL MEDICAL CLINIC. I have the right to privacy as a consumer. Medical debt is back by protection and privacy. 




Company 's Response Thank you for taking the time to write us. We are a third-party debt collector. Your accounts have been placed with us for collection by medical professionals. The services received were XXXX  services. Per the XXXX  records, these were rendered per your initiation in urgent or emergent circumstances. If you need your medical record or consent to treatment from the time of service those records can be obtained by contacting the facility directly. Our records show we sent debt validation to you in XX/XX/2022 which confirms the date on which physicians provided services, original creditor, current balance, and language on how to dispute the debt. If you wish to obtain an itemized statement for your records, please submit your request by emailing XXXX. Our reasonable investigation has confirmed the accuracy we have about your account and verification of debt will be mailed to the address on this complaint. This communication is from a debt collector. Respectfully, XXXX XXXX and XXXX XXXX
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-02
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. (IL)

I was not enrolled in XXXX XXXX XXXX ( XXXX XXXX XXXX - only reporting to XXXX and Transunion ) at the time of this accounts reporting nor did I have a balance when I left. It has been disputed, I have asked for validation and removal to no avail. I disputed in XX/XX/XXXX ( responded in XX/XX/XXXX ), XX/XX/XXXX ( responded in XX/XX/XXXX ) and XX/XX/XXXX ( responded in XX/XX/XXXX ) and this account is still reporting. I have also contacted both bureaus multiple times and they continue to report without sending me the information requested in my letters to receive. I have also called on XX/XX/XXXX and XX/XX/XXXX. The dates reflecting that the account was opened are XX/XX/XXXX. The amount is {$1300.00}. I have included the original XX/XX/XXXX dispute as they do not contain my signature. I can provide the credit bureau letters if needed that I wrote out recently for correspondence with them, however, I prefer not to provide anything with my signature to " original creditors '' as to limit fraud. 

Other accounts disputed with the same details and timeframe as above : - XXXX - ( received different information and all inaccurate - all 3 bureaus ) - XXXX XXXX XXXX - {$660.00} ( I have only had ONE account with XXXX and the account was closed and paid in full - this is FRAUD. I have supplied the final bill to both collection and all 3 credit bureaus and they refuse to remove.