davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-13
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (IL)

We signed a contract on a home in XX/XX/XXXX and the seller has two liens on the home XXXX XXXX and suntrust is the second lien. XXXX XXXX has already agreed to the short sell and has approve the extension twice but we have been waiting on suntrust mortgage for one approval 6 months. Suntrust is holding up the mortgage on purpose. We have already received final closing documents and have extended our rate lock 4 time which is costing us lots of money. The seller, lawyers on both sides and our mortgage company XXXX has contacted Suntrust several times to obtain closing approval but they have no explanation or responded. The cost to the consumer ( buyer ) with no explanation as to why the delay is unacceptable and with no excuse as to why. We will obtain another cost to increase on our rate lock again on XX/XX/XXXX which will go up for the 5th time. This is our forever home we have been looking for at least 3 years and we finally go it. Please help expedite this matter. Thank you
Consumer complaint received 2021-02-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

XX/XX/2020 I obtain copies of my credit report. I noticed LVNV Funding, LLC were listed as a collection on my credit report. I sent a certified verification letter to the company to verify the debt. I haven't received any correspondence from the company verify the debt that owed.
Consumer complaint received 2017-11-25
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. (TX)

Account is still showing in my credit report as " closed '' and " included in bankruptcy '' but the account should be deleted off my report because it is closed and is negatively stopping me from getting credit. The following five accounts are closed & included in my backtuptcy but still appear on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-13
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. (MD)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-02-13
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. (MD)

I mailed out my dispute letter XX/XX/20 to XXXX. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.
Consumer complaint received 2021-02-13
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. (MD)

I mailed out my dispute letter XX/XX/20 to XXXX. I still havent gotten anything from the company. In the letter I disputed and asked for deletions of the accounts that were reporting in error. I sent a follow up letter still with no response.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

i have found myself in a virtual XXXX situation subjected to intrusive violating cyberXXXX with sabotaged means of reliable communication in the summer of XXXX due to the violation of privacy which is essential in my professional field as a XXXX XXXX XXXX, I had to resign from my employment in XX/XX/XXXX, while I could address all the indescribable concerns I was faced with post my internet network being hacked. It has been over four years and I am yet to be responded to, although the aggressive cover attack has escalated severely to my life being defrauded beyond any reason yet still subjected to violent covert cyberXXXX  and theft of personal belongings by the unknown to me out of sight XXXX. 
in XXXX XXXX I have placed an identity alert on my identity and filed for an identity theft in XX/XX/XXXX, however have not heard back from them still, that is how I came to understand the issue with my contacting means being unreliable due to sabotaging by the invisible threat. I presume the government has conducted some form of action to my revolving financial accounts to prevent the furthering of an identity theft and yet another American defrauded of life, I did not have a single late payment since XXXX for close to 20 years until one day in XXXX I found myself in an unimaginable virtual XXXX situation having my constitutional and basic human rights violated by having my privacy violated. 
I have moved from XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX in XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX I do not have a landline anymore.
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (OK)

I did a pre-qualify online It offered me XXXX, I closed out of website, All of my other cards start at XXXX. 
XXXX is worthless to me. 
2 weeks later I get a card, I'm mad but its already done a hard pull I decide ill just wait and ask for a bigger limite I'm stuck with this XXXX card now. 
I pay the {$95.00} fee before the first 30 days so it will be paid in full on XXXX month billing. 
After I pay the {$95.00} they close the account. 
Now I have a hard pull and a closed account from a card who's website didn't work properly .... and they stole {$95.00} from me ....
Consumer complaint received 2021-02-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Account Number - XXXX I sent two certified pay in full letters XX/XX/XXXX and XX/XX/XXXX and a recorded conversation XX/XX/XXXX. XXXX XXXX XXXX still refuse to work with me on a fair % of the debt for this account. Just to omit this debt on an account I NEVER opened up I am willing to pay a portion of the debt, but XXXX XXXX XXXX will not work with me on a fair % for a debt on an account I never used or opened up. 
Abbreviated Correspondence List Below : a ) Four CFPB complaints ( ignored ) b ) Two FTC dispute letters ( ignored ) c ) Two validation letters ( ignored ) d ) Received 17 unreliable and incomplete reply letters from Capital One and misc. companies.

e ) I sent several dispute letters to all three credit bureaus which ( successfully removed all debt from the credit agencies ) f ) I tried to negotiate on XX/XX/XXXX and was insulted by the $ amount XXXX tried to demand me to pay. There seems to be no working with XXXX XXXX XXXX for a fraudulently opened account for removal on a fair amount. 
g ) Capital One can not provide me with the original contract between the original creditor and me that I did not fill out or ask for.

h ) The original debt information per the records sent to me was left at only a total of {$58.00} that is actually owed to you, but it had increased due to interest and charges. A {$120.00} payment with the conditions above via money order is above and beyond an acceptable amount for an account that was never opened by me, not seen by me until my credit report in XXXX, and never used by me. Work with me, and you will never see another complaint or letter from me again. 
i ) Two certified pay in full letters XXXX XXXX and one to Capital One XX/XX/XXXX and XX/XX/XXXX ( ignored ) j ) Reply letter Capital One this letter said nothing and was incredibly XXXX  regarding nothing about the account again.
Consumer complaint received 2021-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX XXXX had called me and I tried to negotiate money owed down to a smaller amount. They would not agree. Now the this old enough to come off my credit report. Its been 5 years and should be removed. Money owed is {$500.00}. the account was opened in XX/XX/XXXX, XXXX the original creditor is XXXX CAPITAL ONE BANK USA
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Social Finance, Inc. (WA)

I tried to withdraw funds from my Sofi account through XXXXXXXX XXXX Sofi is partnered with XXXX to provide banking services. I scheduled a transfer for {$300.00} and it was withdrawn on XX/XX/XXXX. The transfer did not complete successfully and the funds are stuck in limbo somewhere. The funds have been missing for an entire month. The trace number for this transaction is XXXX. XXXX XXXX  told me they are helpless to do anything and I would have to file a dispute through Sofi. I tried to do so and was told by Sofi that they do not have this capability. I have no recourse and no way to recover my funds.
Consumer complaint received 2023-02-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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. (CT)

I have sent out NUMEROUS letters to the Following Credit Bureaus. XXXX, XXXX XXXX Equifax, ALL DATES OF MAILING ARE ON THE LETTERS. After waiting months upon months, I have not heard from nor gotten ANY RESPONSE, in ANY FORM. I have sent letters I have called and have waited MANY MONTHS. I need ALL INACCURATE information removed from my credit report. They have failed in every way possible of servicing me as a consumer and I am losing all faith in the credit reporting process. I will be reaching out to a consumer protection agency very soon and plan on taking these agencies to court if my investigations are not completed! I want all of my accounts that have FRAUD RELATED PAYMENT HISTORY, UPDATED AND REVERSE TO ON TIME OR PAID AS AGREED & I ALSO WANT THESE FRAUD COLLECTIONS ON MY CREDIT REPORT REMOVED IMMEDIATELY! I was never notified about these accounts nor have the accounts been updated to currently in dispute. I have someone else 's information reporting on my file and nothing has been done to ensure my report is 100 % accurate or factual which is against the law! This is unconstitutional and a Grave violation of my consumer rights! I am a natural person and know my rights my attached letters will prove these claims! 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Money was stolen from our bank account and the bank is refusing to refund it. We were trying to get a refund for a purchase from XXXX ( which ended up being a fraudulent site ) and instead of issuing a refund they took {$4400.00}.
Consumer complaint received 2021-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE (VA)

I transferred {$100.00}, {$100.00} and {$460.00} from our joint checking to our joint brokerage on XX/XX/2021 and it is showing deducted from our joint checking account, but is not showing in our joint brokerage account. It has been over 48 hours and they keep promising me that it will get fixed, but it hasn't been fixed yet. I wanted to invest that money on XXXX by buying shares of the ETFs I own, but I was prevented from doing that. XXXX is preventing me from investing that money. They even refuse to put the money back into my checking account. 

Attached are screenshots of the deductions from the checking and the lack of deposit into the brokerage.
Consumer complaint received 2022-12-16
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: U.S. BANCORP (NY)

15 usc section 602 states I have the right to privacy.

USC 1681 section 604 A section 2 it also states a consumer to furnish an account without my written instructions.

USC 1666b a creditor may not treat a payment on a credit card account with XXXX open end consumer for late purpose
Consumer complaint received 2021-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

I received a bill from Amerihome mortgage company for about XXXX more than my mortgage payment normally is. I have attempted to call Amerihome and can never get through do to Covid they claim and wait times are outrageous. So I called XXXX the XXXX th of febuary at XXXX XXXX and spoke with a XXXX she stated that my insurance had gone up and that was the reason for the increase. My wife had contacted our home insurance provider XXXX to question the validity of this claim prior to my phone call because Amerihome charged us more money last year claiming the same reason. XXXX at XXXX explained that our policy is up to date and there are no issues.She also stated that our premium had gone up XXXX dollars for last year and that they did not have a quote for this up coming year.I attempted to make my XXXX mortgage payment with XXXX and a XXXX a escalation manager and was told I had to pay the extra XXXX dollars.I explained to XXXX that I was struggling to make the regular payment and reminded her the we are in a pandemic as Amerihome conveniently uses to excuse the long hold times while waiting to speak to someone.XXXX stated that I had to pay the XXXX or I could not make a payment at all.I told her that I could not afford that at this time and explain that I was not even notified about the increase and that we are all in a pandemic. She would not allow me to pay what I had, Amerihome is forcing me to be late on my mortgage payment .I quess this pandemic reality only can work for Amerihome and not the general public. Loan number XXXX
Consumer complaint received 2023-02-12
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: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal is reporting the following amounts to XXXX, XXXX, XXXX, XXXX XXXX. {$19000.00}, {$5300.00}, {$8900.00}, {$10000.00} and {$36000.00}. 15 USC 6802 states financial institutions may not disclose nonpublic information to a non affiliated third party Navy Federal has not given me the consumer in writing or electronically any disclosures stating that my personal information would be disclosed.
Consumer complaint received 2023-02-12
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. (HI)

I am a victim of identity theft. XXXX, XXXX and XXXX XXXXXXXX XXXX and XXXX have fraudulent accounts on my profile that need to be removed immediately.
Consumer complaint received 2023-02-19
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. (MS)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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 2022-01-02
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. (NC)

XXXX XXXX XXXX Last reported XX/XX/2021 {$620.00} Open balance XXXX XXXX  XXXX BANK XXXX A Original creditor
Consumer complaint received 2022-01-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

In XXXX, I was granted a home loan modification. At the time I had a first and second mortgage. When the modification was completed, the underwriter informed me that my second mortgage of {$140.00}, XXXX was written off. Therefore, it reduced my monthly note. In XXXX of XXXX, I received a 1099-C from Wells Fargo Bank stating Cancellation of Debt. XX/XX/XXXX, I received a letter from XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX. stating that they represented XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and that they were going to foreclose on my home. To my understanding, the letter referred to my second mortgage. My home was under foreclosure because the lien was not removed from the mortgage debt that you wrote off in XXXX. I have been back an forth in bankruptcy to save my home. Now, my spouse and I have damaged credit. 

My purpose in writing you is to find out why my lien was not stripped and why I was not informed of the repercussions of the write-off. The actions of Wells Fargo Home Mortgage have continuously caused me to be distressed. Currently, my home is still in an active Chapter 13 Bankruptcy to pay off the 2nd mortgage that you wrote- off. I am requesting a full explanation of the actions of Wells Fargo Home Mortgage and a remedy from Wells Fargo.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2020-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital one keeps updating a Walmart account which now is delinquent on my XXXX credit report please see attached. I didnt really know but the representative says its reporting I owed a balance when it was fraud on my account and it was investigated and found to be fraud on my Walmart/capital one card and I called several times and they kept saying they were gon na update it right. No late payments and no balance. No I get an alert and my scores goes down 40 points. What is the problem? Why cant you get right after about 6 months youd think this would be corrected by now.SEND ME A COPY OF THE FRAUD CLAIM AND THAT MY REPORTS WOULD BE UPDATED! XXXX  has stopped honoring FTC reports etc especially when it comes to inquiries on my credit reports saying they only send out letters and if the dont respond then the inquirys still stay on your report. My problem with them is they are responding to my complaints about me being a victim of identity theft why arent you doing anything about it? This practice you have adopted about the inquiries is wrong and its not fair or right.
Consumer complaint received 2023-05-02
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. (MD)

I sent a letter last XX/XX/XXXX, to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MDXXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Date XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXXXXXX Balance Owed : {$770.00}, XXXX XXXX BankruptcyDischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, DPT EDXXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Balance Owed : {$410.00}, XXXX  XXXXBankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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