davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

My lender United Wholesale Mortgage ( UWM ) impounded my taxes and insurance. The taxes were due XX/XX/XXXX. I refinanced in late XXXX and on XX/XX/XXXX my loan with UWM was paid in full. I learned on XX/XX/XXXX that UWM had NOT paid my taxes. My county assessed a late penalty on XX/XX/XXXX in the amount of {$380.00}. I paid the amount of taxes due PLUS the penalty on XX/XX/XXXX. It has been over 30 days since I closed on the refinance and I still have not received my escrow impound refund in the amount of {$10000.00}. I have called XXXX times and have been given the run around all three times, most recently today ( XX/XX/XXXX ) when I spoke with XXXX. The first call I made, the employee told me the check was cut on XX/XX/XXXX. I checked my online account today and saw that the check was not cut until XX/XX/XXXX, and it is XX/XX/XXXX and I still don't have it. It's not rocket science to know someone is not being truthful. XXXX told me it can take between 10 and 15 additional days to receive it because of the mail, and also the holidays, and also that they are so " busy. '' Again, not rocket science. If XXXX can get packages delivered in a day or 2, I expect someone ( UWM ) holding my money can make returning it to me a priority. I asked for an escalation and was transferred me to " XXXX '' who never came on the line. Despite having my phone number, and confirming it on the call, they didn't bother to call me back. I am confident that UWM has not acted in good faith. As my fiduciary, I trusted them to pay the taxes as they had my money. They breached their fiduciary responsibility. They are not acting responsibly in my best interest. They have balked and tried to pass the buck for weeks. There is no excuse for them continuing to hold my money and creating significant financial hardship to me. They continue to earn interest on MY money. I am a senior citizen, on a limited income and this seems illegal. 
Thank you,
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2021-12-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2021-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( XXXX XXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2021-12-30
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX ) . The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Identity theft on card by former employee. XXXX referred me to their vendor XXXX XXXX XXXX XXXX. Paid a {$2500.00} fee, was to settle, clear from history. 
XXXX just charged off ruining credit along with their vendor XXXX XXXX incorrectly deceiving Money and terms.
Consumer complaint received 2021-12-30
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my student loan ( DPT EDXXXX XXXX XXXX The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Consumer complaint received 2015-11-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

As of XXXX/XXXX/XXXX I have been paying XXXX XXXX XXXX XXXX on an old debt. MY last payment was on XXXX/XXXX/XXXX. When I called XXXX concerned about my balance on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX because I owed no more payments.I have been paying on this for 5 years. They refused to see my pay records and did n't want to speak to me and said they sent to the account back to XXXX XXXX. So i called XXXX and they said they have not received any information from central credit services. In the mean time I come in contact with Midland credit Management. This is who central credit service supposedly sent my account to not XXXX ... .another debt collector. I was informed by Midland that they have had my account since XX/XX/XXXX. I have never heard of this business. Furthermore I have never received not one stitch of paperwork from Midland credit management saying that they had my debt or that I owed any money to them ever. I have my pay record from the very beginning of XXXX/XXXX/XXXX when i started paying central credit services and for the rest of the 5 years that i have been paying central credit services. I have NEVER paid any payments to a midland and have never had any correspndence from them. I have only had correspondence from XXXX, XXXX. and my pay record will reflect that and all the payments that went to them with the trace #. i think its very strange that when i called about concern for my account they handed my account to this other company and somehow I have a balance again. I have also been in contact with XXXX from XXXX XXXX and have all that correspondence too. I filed a FTC complaint against XXXX, XXXX and now i want to file a complaint with Midland as I have never heard from this company and there records are incorrect. I will attach XXXX bank statement from every year showing I have always paid XXXX, XXXX and have had no dealings with Midland and my account should be XXXX. If you should need anymore statements please contact me as I have every single one of them on hand and ready to send.
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 

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.
Consumer complaint received 2021-12-30
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. (WA)

I sent experian a letter letting them know that XXXX XXXX needs to be removed from my credit report for multiple reasons one I am not the owner of the account that is posted on my account another reason is because its reporting inaccurately across all 3 credit bureaus its already been removed from XXXX and XXXX but Experians is still reporting it and I also let them know that I would be contacting yall if they didnt fix it another account on my credit that I asked them to remove because its not mines and its reporting negatively is XXXX XXXX and one last account is XXXX XXXX XXXX XXXX none of these accounts are mines I didnt authorize nobody to open anything in my name and I let them know in detail that they are not accurate and that I want proof that these accounts belong to me I have not received any proof and they have not tried to help me in any way to get these things off my credit report
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I received a call on XX/XX/XXXX, the individual introduced himself as a representative agent from the XXXX XXXX and knew about a recent stay I had at a XXXX in Colorado. Due to his knowledge regarding my recent travel, I believed him to be a legitimate representative from the XXXX. 

I proceeded to accept a travel certificate which I was told would be good for up to 2 years. However, upon accepting the package and providing my credit card number, I received the confirmation email with several different company names. At which point it became clear to me, the company was in NO way affiliated with the XXXX and I was not dealing with a legitimate organization. I then stated to " XXXX '' I no longer wished to proceed with the purchase and wanted to cancel my agreement. He then stated he could and would not cancel until I sent back more information, I then advised him I would call my credit card company to dispute the charge. I hung up with him and called Capital One right away. 

At that time, they did not see an authorization on my card so the Captial One representative proceeded to cancel my credit card. However, the next month the charge appeared on my card. I filed a dispute again with Capital One on XX/XX/XXXX providing details of the call and interaction with the company and inevitably lost the dispute. 

This company is deceitful and very good at winning disputes with Credit Card companies. However, based on my registration on the " Do Not Call List '' in 2003, they should have never been able to call me. 

There are multiple complaints on the XXXX website regarding the companies deceitfulness. XXXX XXXX XXXX
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (NC)

( check processed twice ) Check # XXXX dated XX/XX/XXXX for {$300.00} that was previously processed and paid out XX/XX/XXXX was withdrawn from my checking account again on XX/XX/XXXX. The act caused the account to go negative and three {$36.00} overdraft fees were charged to the account. I notified my local branch, customer service and filed a dispute/claim as soon as I identified the issue ( XX/XX/XXXX & XX/XX/XXXX ). 

The check image ( front/back ) shows it was processed in XXXX. The same transaction shows up in both my XXXX and XXXX bank statements. 

The bank acknowledges that the check cleared years ago, and again this year which is an odd scenario. While I thought the issue was being resolved, to my surprise my bank has not even started an investigation into the matter. 

A few days ago I received an affidavit of fraud form from the bank requiring a sign and notarized statement ; unfortunately, neither of the scenarios detailed on the form match what took place. Although, the bank agrees the check was processed twice which appears to be a bank error the issue has yet to be resolved. 

The account is my primary checking account, not being able to access it has disrupted my everyday activities ( i.e. bill payments, direct deposit, etc ). 

I have all evidence detailing the error : XXXX bank statement, transaction detail, check image ( front and back )
Consumer complaint received 2021-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (NV)

I was purchasing solar for my house and the solar company filed bankruptcy without finishing the install or re-assigning the contract to another company.Goodleap is the company that is saying they paid the solar company and now I need to pay them. They claim I have no contract with the solar company, but I have a contract with them for XXXX. They have not shown proof of payment to the solar company, nor sent me anything but threatening emails and phone calls. As of XXXX I had paid Goodleap XXXX plus dollars over what the paperwork I have states, yet they have stated on every credit report that I have not paid. They are calling me every 2 hours from XXXX to XXXX XXXX, after I asked them not to call. I have filed complaints with the XXXX, XXXX XXXX XXXX XXXX, and The Attorney General. I am still waiting on resolution suggestions from them. I was issued a notice from XXXX XXXXXXXX XXXX for an order to fix the damage to my roof and to complete the installation of the solar. I have yet to be contacted regarding that. I have sent emails and verbally told them to stop calling me, but they refuse. I want the harassment to stop immediately
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I made a payment in error to a credit card I used to have at Bank of America which resulted in a credit balance of XXXX. I called but was told that since I couldn't remember the password on a card I haven't used in years, this could not be resolved over the phone. ( I was able to supply to them all types of other personal information including the account number on the card and the credit balance that was showing on the statement I received ) I was informed that I needed to go in person to a branch. I then went to the branch located in my town, XXXX, PA, on Friday XXXX. I was told that they would send the credit balance to my current bank and had me verify all the account information. I was told it would take 3 or 4 business days. On XX/XX/XXXX, the credit had still not appeared so I again went to the local branch. The person who I met with this time called the credit card area and was told that I would be getting a check for the credit balance. Today is XX/XX/XXXX and I still haven't received my money. I have been patient and have done everything asked of me by Bank of America but have not been able to access the funds that are rightfully mine. I am a senior citizen and am starting to think that BOA will keep my funds from me as long as they can.
Consumer complaint received 2021-12-30
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. (PA)

I was never provided a notice to use for Experian to use personal information or report my consumer credit profile FCRA 15 USC 1681 a ( 4 ) ... .. FDCPA 15 USC 1692 a, nor have I ever gave written or expressed consent for the alleged creditor to sell any account and provide personal information to XXXX XXXXXXXX for {$130.00}, also have not seen a contract doing consumer transactions with XXXX XXXX.
Consumer complaint received 2021-12-30
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. (LA)

Equifax is saying an account on my credit report is valid with XXXX and that is not accurate. XXXX and XXXX have since removed these unvalidated accounts from my credit report. Equifax never follows the FCRA guidelines that are set in place. I put in the same disoute with XXXX and XXXX and the companies were unable to validate this account how is it that Equifax is saying the can. They do not investigate and use their own judgement.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello. This is XXXX XXXX. I am a student attending XXXX XXXX. I like to file a complaint about the Capital One Bank. Recently, I have recently gotten COVID funds from the college, but those funds were reversed back to the college. The following day I have received an email stating that my account was restricted, and I could not make any withdrawals. Earlier this morning, I have called the bank 's customer service, and the representative told me that the funds were classified as scams. I didn't believe that because I have actual evidence that I have received those funds from the college. The representative also said that the available funds that I have in the account have to be withdrawn by going to an ATM, and that I can't bank with them anymore. Furthermore, these funds were supposed to benefit me and my family through this time of COVID. I am a XXXX XXXX XXXX  active perusing to better myself. The particular establishment is causing a financial injury. If you would like, you can contact me at your earliest convenience at ( XXXX ) XXXX.
Consumer complaint received 2021-12-30
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: SUNCOAST CREDIT UNION (FL)

APPLIED TO XXXX ( XXXX ) AND XXXX ( XXXX ) AND SUN COAST CREDIT CARD AND SAID THEY ALL COULD NOT APPROVED UNABLE TO VERIFY MY IDENTITY. I TRIED TO SUPPLY INFORMATION TO ACCOMMODATE AND THEY SAID IT WAS TOO LATE AND RAISES ALARM WAS THAT THE REAL REASON AND ALLOWING ME TO FIX PROPERLY WITH THEM. OR ARE THEY JUST BEING DISCRIMINATING OR LIEING. THEY WOULD NOT GIVE NO MORE INFORMATION OR ALLOW ME TO CORRECT. FLORIDA FEDERAL BANKRUPTCY XXXX XX/XX/2021 2021
Consumer complaint received 2021-12-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Makes Cents, Inc. dba Advance.Cash (SC)

In the spring of 2019, I foolishly took a loan in the amount of {$500.00}. I made two payments of {$120.00} each totaling {$250.00}. I then discovered that Advance.Cash is also Makes Cents Inc! 

I had a separate loan with Makes Cents Inc XXXX  XXXX. I successfully proved that this loan had been made fraudulently and not only did Makes Cents Inc dissolve the loan, it actually REFUNDED the payments I had made.

Makes Cents Inc also agreed to dissolve the loan with Advance.Cash. I was absolved of any additional payments and the balance due was made XXXX!!! 

Now nearly THREE YEARS later, Makes Cents Inc d/b/a Advance.Cash has turned my name and SSN over to a collection agency which has now tarnished ALL THREE of my credit reports!! 

NO communication was EVER sent to me about this!!!! This is an additional act of FRAUD!!! 

I am a resident of South Carolina. After doing research regarding Internet Tribal payday loan laws in the State of South Carolina, I found that Makes Cents Inc payday loans are actually illegal. I contacted the South Carolina State Department of Financial Institutions and they verified that Makes Cents Inc is not licensed in South Carolina, therefore the loan contracts I had with Mandan, Hidatsa, and Arikara Nation d/b/a Makes Cents Inc d/b/a XXXX XXXX according to my state 's laws, were never enforceable. 

As a resident of SC, I am subject to its laws. South Carolina Code 34-39-110 regulates payday loan lenders in South Carolina. Lenders must have a license in South Carolina under the state law. The loans issued to me were payday loans. Payments were due on each payday making them payday loans by the very simple definition. Makes Cents Inc may be subject to tribal law based on its affiliation with Mandan, Hidatsa, and Arikara Nation. I am not a member of that community ; therefore, I am not subject to tribal law. Because it is not licensed by my state and because I am not subject to tribal law, ALL loan contracts entered into are null and void.

Makes Cents Inc claims to be wholly governed by Mandan, Hidatsa, and Arikara Nation, which is part of the Three Affiliated Tribes of the XXXX XXXX XXXX. In my telephone communications, I learned that it is actually located in XXXXnot even within the United States let alone North Dakota or on the XXXX XXXX XXXX! I have also uncovered interesting information regarding XXXX XXXX and its loan sharking charges and connection to Makes Cents Inc.

I demand Makes Cents Inc d/b/a Advance.America immediately contact XXXX XXXX XXXX in XXXX XXXX Arizona and REMOVE all records of my affiliation with this company!!!