davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist Bank allowed a fraudulent ( alteration ) check for {$8400.00} to clear my account. They denied my fraud claim immediately because i didnt report the fraud within 60 days and they alleged they contacted the bank of first deposit and there were no funds lefts. They did not release the information about who the bank of first deposit was which is very odd and suspicious. Truist Bank is violating the UCC rule because its a bank to bank dispute. According to the Federal Reserve System, " under UCC 4401, the paying bank may charge the drawer 's account only for checks that are properly payable. Neither altered checks nor forged checks are properly payable. In the case of an altered check under the UCC, the banks that received the check during forward collection, including the paying bank, have warranty claims against the banks that transferred the check ( e.g., a collecting bank or the depositary bank ). The depositary bank typically bears the loss related to an altered check, whereas the paying bank bears the loss related to a forged check. '' Again, this is simply a bank dispute between the paying bank and depository bank unless Truist is both the paying bank and bank of first deposit. Please help.
Consumer complaint received 2023-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX ( XXXX ) is inaccurately reporting 2 late payments for XXXX and XXXX XXXX XXXX on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the 2 inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the cc department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the 2 late payments. This is frustrating and very stressful to my life!
Consumer complaint received 2020-01-06
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. (NJ)

This complaint is in regards to XXXX  XXXX XXXX. I currently have 21 different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XX/XX/XXXX and XX/XX/XXXX. The loan payment was not late, but in deferment during this time. I have contacted XXXX XXXX to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2020-01-06
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. (NJ)

This complaint is in regards to XXXX XXXX XXXX. I currently have XXXX different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XXXX and XXXX of XXXX. The loan payment was not late, but in deferment during this time. I have contacted XXXX XXXX  to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2019-02-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tribal Lending Enterprise, Inc. (NV)

On or about XX/XX/XXXX I borrowed XXXX dollars. I was required to pay XXXX my first payment which only covered XXXX dollars of my principal balance. If I were to pay off in full it was about XXXX. I have noticed that XXXX dollars is already well over my 25 % gross monthly income which according to Nevada is against the law. I had to asked to skip a payment XX/XX/XXXX and I was granted it due to me not being paid. My income fluctuates weekly, since I am hourly and not paid during time off or holidays. I asked on or about XX/XX/XXXX to skip my next payment on theXX/XX/XXXX but was denied due to they are already pushed back the loan and offered me to pay XXXX instead. I can not afford that, so they put me down for that payment. I told them I am having a hard time paying it off and they just didn't seem to care. I shouldn't be required to pay this loan back or be threatened when my next payment does not go through. As they broke the Nevada law according to the below information. I will never apply for a payday loan again. 

XXXX XXXX XXXX XXXX XXXX XXXX 

Loan Terms : Maximum Loan Amount : 25 % of expected gross monthly income Loan Term : 35 days
Consumer complaint received 2022-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NY)

In XX/XX/XXXX, a transfer of mortgage servicing from XXXX XXXX XXXX to Freedom Mortgage Corporation servicer occurred. I received my escrow analysis in XX/XX/XXXX from Freedom Mortgage and they assessed that my escrow payments will increase on XX/XX/XXXX to {$570.00} per month due to a {$7200.00} shortage. When I look at their actual activity for escrow money paid in and paid out from website payment history on XXXX XXXX ( XXXX XXXX XXXX  ) and Freedom Mortgage ( https : //myloan.freedommortgage.com ) it did not match. I calculated that I paid in {$20000.00} and paid out ( {$18000.00} ) in my escrow. Freedom Mortgage calculated that paid in amount is {$13000.00} and paid out amount is ( {$11000.00} ).
Consumer complaint received 2021-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OR)

In XXXX of 2021 Chase bank closed my accounts, there was close to XXXX between both accounts. I have tried calling them multiple times to find out when I will be receiving my money from them, they keep giving me the go around and saying they are doing an investigation on them.
Consumer complaint received 2023-12-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I have NO knowledge of the account/s being reported by this company!! I HAVE NEVER SIGNED A CONTRACT WITH THIS COMPANY. I HAVE NEVER HEARD OF THIS COMPANY!! I AM VERY UPSET THAT THIS COMPANY HAS MY PERSONAL INFORMATION. I AM HIGHLY EMOTIONALLY UPSET THAT THIS COMPANY IS CONTACTING ME!!!!
Consumer complaint received 2023-03-01
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. (LA)

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Consumer complaint received 2020-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND FUNDING LLC HAS REPORTED {$2900.00} ON MY CREDIT REPORT THAT I DO NOT OWE THIS DEBT WAS PAID IN FULL. I ASK FOR PROF OF EVERYTHING THEY SAY I HAVEN'T PAID THEY SAID THEY CANT PROVIDE ME WITH THAT INFORMATION OR PROVE I OWE THIS DEBT I PAID FOR EVERYTHING I BOUGHT ON THIS XXXX CARD
Consumer complaint received 2023-03-01
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. (PA)

I reviewed my Consumer Reports and noticed that I had a few late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these payments be updated to on time as they should be, as I was NEVER Late. Thanks for your prompt time. 

Signed : XXXX XXXX
Consumer complaint received 2022-12-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is violating my consumer right to privacy pursuant to 15 USC 1681b 2 XXXX XXXX XXXX XXXX has also NO permission to report ANYTHING using my information according to USC 1681 4. 
I demand they both delete this account off my account.
Consumer complaint received 2022-12-26
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)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo, has decided out of nowhere to close my banking account saying a risk, however, upon requesting information as to how, their response back to that was ; you legally with in your rights to do this, disputed XXXX charges. which by legal law is what we're supposed to do, if it's not legitimate, something is wrong, etc ... .. that was Wells Fargos response, and for nothing other. So, banks are just now legally allowed to shut folks banks down for legally reporting valid claims? that makes zero sense. and now these banks just run credit checks, through a website and even though you have nothing to deny you opening a checking account, you get denied. even ordered the report, theres nothing negative on their. someone please do something about banks being able to do these sort of things to people, before they continue to do this too a lot more folks. its not right, and should be illegal.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

This complaint is regarding MOHELA and PSLF. Current loans total {$60000.00} and my account is in the SAVE repayment program with a monthly payment of and an interest rate of 6.625 %. Loans were disbursed on XX/XX/XXXX. 
On XX/XX/XXXX I submitted a PSLF E-Sign application, which is still being processed. MOHELA states on its website that the form should take 30 days to process. My current payment count is stuck at XXXX, although I have surpassed XXXX eligible payments. For some reason, the staff is unable to verify my current employment, even though the form was signed and uploaded on XX/XX/XXXX. Calls to MOHELA include a wait time of over an hour, and representatives often give conflicting answers and guidance.
Consumer complaint received 2019-12-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Client Services, Inc. (IL)

Several of weeks ago I received a notice from Client Services Inc in reference to an alleged balance owed to XXXX in the amount of {$14000.00}. In accordance with the Fair Credit Reporting Act ( FCRA ), Please provide validation of this alleged account.
Consumer complaint received 2019-12-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a phone call from the following number XXXX. This is the second time i received a call from this company that will not give me their name and state i owe a debt. Case # they have is XXXX. They claim i owe a debt from bank of america and they are coming to my work to serve me papers. Now i previously had a call from this company or similar stating the same thing. When asking for proof of debt, they only state i will receive it when I am served. They have my social, they are very rude, condescending, and threatening which is concerning. Now when i received the first call back in XX/XX/2019 I was so shaken up. I called Bank of america and they are unable to locate me owing them a debt and that this may be a scam. The company calling me states i owe {$800.00} and they are sueing for {$2000.00}. When mentioning to them i have never received notice of this and my call with bank of america they became upset and hung up on me. I have even checked my credit and there is no such amount showing. Please help.
Consumer complaint received 2023-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

So, I opened an account with UsBank a few years ago, around XX/XX/2021. During that time, I did a balance transfer, and was working on paying it off. Earlier this year, about a year and a half after that transfer went through and during which I was making payments, UsBank demanded that I verify my identity by sending them tax information. I sent them a copy of my DL and my social security card, but they said that was insufficient. I've never had a credit card company ask for my taxes, so I refused. They then " closed '' the account, ie they set the credit limit to XXXX. I was worried that they might start charging interest on the remaining balance, so I paid it off. After a few months of having a positive balance, since an autopay went through after I paid it off, I eventually got them to send me a check for that positive balance. So now the balance on the account is XXXX. I asked them to completely remove this account, and they said they would, but so far they haven't done anything else. At this point, I just want my account to actually be closed. This kind of treatment is unacceptable, and I do not want them to continue to have my account on their books, especially if I can't even use it. But I can see that the web login still works, and the account still shows up in there.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have noticed an inaccuracy on my report. I have made this inaccuracy known to TransUnion. Nothing has been corrected and TransUnion has claimed to have investigated and verified the accuracy of the information. This account is incorrect and is adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX account XXXX XXXX. TransUnion has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since TransUnion has allowed such to exist on my report.
Consumer complaint received 2022-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (WI)

Wells Fargo foreclosed on my home in XXXX after sending me loan modification forms. I did not request the forms and paid on my mortgage every month. This began in XXXX. I was in court with a lawyer for 6 years and still lost my home of 23 years! I was told numerous times that they didn't receive the papers back, which I sent to a self addressed return envelope, and I resent and faxed numerous times from my local Wells Fargo location. They claimed they didn't know my income was XXXX, lied about tons of things. They even claimed I owed on a credit card that I never took out. Much went on in court and my lawyer said I had a good case when he very suddenly quit my case. This was also suspicious. I went to the WI Dept of Justice with my case as well. In fact when Wells Fargo first tried to foreclose in XXXX XXXX XXXX was the owner of my mortgage. I got nothing out of the home I paid on for 23 years. Can you help me in getting some sort of monetary settlement for all of their illegal and evil work to take my life away?
Consumer complaint received 2022-12-25
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: DISCOVER BANK (IL)

I Made A Purchase XX/XX/2022 For XXXX For A Laptop Computer On XXXX And At That Time I Wasn't Aware That It Was A Third Party Selling On XXXX 's Web Site.This Third Party Falsely Advertised This Laptop 's Specification 's So I Opened A Dispute With Discover. I Been A Customer With Discover For 28 Years And Never Been Disrespected Like This Before, I Uploaded All The Necessary Documents Supporting My Reason For The Dispute so They Gave Me a Temporary Credit, Then We Were Waiting For The Third Party To Respond, When The Third Party Responded They Said I Violated Their Return Policy And Discover Completely Ignored The reason For My Dispute And Found It To Be In Their Favor And Said the Transaction Was Valid. I Reopened The Dispute Multiple Times And Each Time I Called Discover And Explained That This Wasn't About A return Policy, I Called At least XXXX Times And Spoke To Multiple Different Supervisors And They Continued To Tell me The Transaction Was Valid, I Was Treated Very Rudely And Was Even Hung Up on A XXXXple Times. Then I Made A couple Complaints About A Couple Of Employees. I Have Uploaded Documents Supporting This Issue. At This Time They Again Are Waiting For Their Response. They Keep Using The Same Reason And Discover Continues To Close The Dispute In Their Favor. When You Look At my Documents Supporting This Dispute You Will See This Is More Than Just False Advertising And That This Was No Mistake
Consumer complaint received 2024-03-13
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. (OH)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX : {$410.00} XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2021-12-17
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: GOLDMAN SACHS BANK USA (NY)

My balance is incorrect. It is about {$400.00} more then what I spent. This is the XXXX time they have done this to me. They tell me it will take 90 days for them to figure this out. I do not have 90 days to wait for my XXXX back. I can not afford to pay the bill and I do not want my credit score to be impacted.