davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-21
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. (ME)

Approximately XXXX weeks ago, a collection account popped up on all three of my consumer credit reports from a company called The XXXX XXXX. This is a MEDICAL collection that I absolutely, positively DO NOT OWE. Additionally, I NEVER ONCE signed a HIPAA release form to allow my private, protected medical records to be shared with ANY outside parties, including this collection agency. I have reached out to The XXXX XXXX MULTIPLE times and even sent their CEO an email, but they have chosen to completely ignore me, which is a blatant violation of my rights under FCRA. I have additionally disputed this account with all three credit bureaus ( XXXX, Equifax, and XXXX ), and they have entirely failed to delete this erroneous, slanderous medical collection account. First of all, because this is a MEDICAL collection, this is treated much differently than any other collection due to the sensitive nature of the information being collected on. In order for The XXXX XXXX or any of the credit bureaus to validate this debt, they would need to be able to provide a FULL BREAKDOWN and explanation of exactly what medical services I received that I owe this alleged debt for. However, they CAN NOT do that because I never signed a HIPAA authorization allowing this information to be shared with any parties outside of my medical provider 's office. Therefore, NO ONE is allowed to have access to this information but myself and my medical provider. Despite my disputes with XXXX, XXXX, and Equifax, they have somehow " verified '' this debt and left it on my credit reports. They have no way of verifying this debt because, under HIPAA laws, they should not have access to the information required to verify or validate anything about this alleged debt, which I do not even owe. They can not tell me WHAT services I allegedly owe for because that would be a violation of HIPAA if they had access to this information. I am hereby DEMANDING that this erroneous collection account from The XXXX Agency be IMMEDIATELY deleted from my credit reports. Otherwise I will be pursuing legal action for not only false reporting, but violating my HIPAA rights.
Consumer complaint received 2021-12-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Last week, my brother sent money to my Venmo account to repayment me back for the money that he borrow XXXX cash from me back in XXXX. Venmo has previously closed my account due to violation of their term of service without any explanation of what I violated back in XXXX. So, I closed the account and open a new account but was hitted with same violations when I tried to enter my bank account to make a transfer. Once again, Venmo provided no explanation for why they flagged my account again and they deactivated my account with money still in there unabke to transfer it out or send it back to the sender. I believe this is highly unethical and should be looked into. Both my brother and I are out the money.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

I had originally submitted a CFPB complaint in XX/XX/2021 about XXXX XXXX XXXX reporting my auto loan incorrectly to the credit bureaus as a " Closed account with multiple late payments. '' When the auto loan was open, the account was always paid on time and there were never any late payments. I also have records of when these payments were made to confirm the strong and timely payment history of this account ( Account ending XXXX ). 

As of XX/XX/2021, I received a letter from XXXX XXXX XXXX stating that they had found in their research, that my auto loan was in fact being reported inaccurately and had acknowledged their mistake on how the account was being reported to to the credit bureaus. 

Per the letter, XXXX XXXX XXXX stated they had requested to update the auto loan payment history ( Account ending XXXX ) to all credit bureaus to reflect as " Closed, Paid in Full with no delinquencies reporting '' and the credit report would reflect these changes to the account within 30 days of the letter being received. 

As of XX/XX/2021, the XXXX XXXX XXXX XXXX account ending in XXXX does not even show up on my credit report at all. As a result, my credit scores have significantly declined because my on time payment history of this auto loan has been removed entirely.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

According to 15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I demanded this be removed immediately. I have already filed litigation concerning this matter.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (VA)

It appears Truist manipulated debit purchases to hammer me with overdraft fees. I went to bed last night with a balance of {$80.00} in my checking account. Some transactions were still pending however my balance already reflected what was already taken from my account. When I woke up I checked my account and It was overdrafted by {$2.00} however they charged me XXXX in overdraft fees. This isnt the first time Ive assumed something shady has happened. I strongly believe Truist like many other banks manipulate debit card transactions to maximize their profits from common people like myself with overdraft fees.
Consumer complaint received 2021-12-21
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. (GA)

We went to Tennessee  and attended an event about timeshares. The even took forever and they consistently lied in order to make you stay longer and until you signed a document it felt as though you were in prisoned with no other choice and no ability or time to even think. Once we were out of there we called the next day after realizing that they lied to us about any and all of the dates they claimed were available to us if we signed up, " they just couldn't see it at the time, '' this was a lie as in fact I was able to see they had nothing avaible for the requested dates the same night we left. I immediately called and canceled all of it and even sent a certified letter stating this as well After arguing continuously with them they finally said they canceled it all and I have never heard anything other than that, except recently with something on my credit report saying a delinquency on an account and even my credit report I see, doesn't have it, but once requesting my credit reports through annualcreditreport.com, it showed up and I was able to see it. I have no balance with them and lost {$300.00} with them and did not even get the " free '' vacation that was mentioned if you just attended the event. 
This company is nothing but a scam artist and needs to be shut down.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (WI)

I read there is a class action lawsuit against wells Fargo for auto loans in 2011. I had a loan and never recieved anything I do believe it is because I moved. How can I find out if I'm eligible for this.
Consumer complaint received 2021-12-21
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: Bread Financial Holdings, Inc. (NJ)

Hello. I had booked a flight in XX/XX/2020 for a trip in XX/XX/2020. Of course due to the very beginning of the pamdemic, I was not able to fly. XXXX airline refused to give a refund. I took a credit hoping things would improve in a few months. Things got worse. I had to go back and forth with XXXX to extend the credit several times hoping I could use it to avoid losing my {$200.00}. Over a year and half later, we are still in a crisis. It is not safe to fly esp with the new variants and numbers rising with people getting sick. I reached out to XXXX numerous times. I reached out to XXXX XXXX XXXX  and they too refuse to help. Not fair to pay for a flight that I did not and CAN NOT take. I made dispute claims with credit card company. Sent letters. Submitted documents. And no response. Finally on XX/XX/XXXX I received an email from XXXX stating the previous representative you spoke with has already submitted a request for a refund, and the case is now being reviewed. Refunds may take up to 7 business days to reflect back on your account. Please follow up with your bank or credit card company in about a week for the status of these funds. 

No refund has been given to me account. I followed up with XXXX XXXX aka XXXX XXXX. It's been 3 weeks and no answer. 

Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX
Consumer complaint received 2024-06-13
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC (WA)

I wanted to pay off a small collection I had on a credit card, and after calling XXXX, I was unknowingly sent over to the Credit Repair company XXXX XXXX. I was under the impression that I was paying a settlement for the collection on the XXXXXXXX XXXX card ( XXXX XXXX ), and was informed that XXXX XXXX had committed several violations on my main credit card, through XXXX XXXXXXXX. It was only after that I understood that this was a Credit Repair company and not a collections agency. I want to cancel my contract with Credit Sage, as well as receive a refund, as no services have been given yet. I want to make sure that this company does not do any fraudulent practices with my XXXX XXXX.
Consumer complaint received 2023-01-20
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: JPMORGAN CHASE & CO. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
JPMCB HOME XXXX Date Opened : XXXX Balance : {$270000.00}
Consumer complaint received 2021-12-21
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-21
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. (NV)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2021-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NC)

I have a HELCO with US Bank. We had a Covid-19 hardship. My husband had to switch jobs last year, due to a lack of work and a decline in pay. He found a new job and took a $ XXXX pay cut. During that time I contacted both US Bank and our first mortgagee ; both allowed us to stop making payments and advised that there would be programs to assist us after the fact. 

I contacted our first mortgagee, explained that we were in a good position to resume payments, and completed the modification process with no hassle. It was remarkably easy to contact them, get into the program and complete the modification. We have been making payments as scheduled. 

For the past several months I have tried, most unsuccessfully, to do the same thing with US Bank. Each time I call it's " not the right department '' ; after an hour on the line, I'm passed to no less than 5 people and ultimately, the call is disconnected. I have a family and a job and other volunteer positions. I do not have the time to spend countless hours calling US Bank in a fruitless search for the " right department ''. I've tried to ask for supervisors, the correct dept. and always get a phone number of where I'm being transferred. 

I have called the following numbers on these dates : XXXX : XX/XX/XXXX ( I called twice ), XX/XX/XXXX & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX ( I called twice ) XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX : XX/XX/XXXX ( I called twice ) & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX On my last attempt to call, I was given an email address ( XXXX ) to send my request and was told that I'd get a response in 2 days. I sent an email on XX/XX/XXXX ( 13 days ago ) and have received no word back. 

I have received a letter dated XX/XX/29 regarding foreclosure action, and I'm very angry. I just want to have my HELOC modified so that I can make affordable payments. 

Thanks.
Consumer complaint received 2021-12-21
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: AMERICAN EXPRESS COMPANY (MD)

I had a 10k credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra 6k that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from 10k to 5k for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?
Consumer complaint received 2021-12-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CA)

I went to jail for 18 months I came out XX/XX/2021 I called the lender to get a pay off quote to catch up on my mortgage payments and I was never provided with one. My aunt was going to pay the balance and we tried 3 times and I got it by mail a week after the auction. And the bank took it back no bids were made so Im still at the home with a lot of XXXX and stress. I tried getting an attorney almost paid {$11000.00} for his services and it came out to be a scam. I feel this property is worth a lot more now so they took it from me when I was going to catch up on payments. The auction date was XX/XX/2021 on my daughters birthday. I came out XX/XX/2021 by law they were supposed to provide me one with in 7 days. And I never received auction date of the property by certified mail nor did they post it on my door. If theres anything you can help me with even advice I highly appreciate it.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/XXXX while in XXXX XXXX with friends we were at a bar and were talking to some people we met there. I was speaking to a young couple that seemed friendly i notice that when i went to atm machine they had followed me and stood next to me as I withdrew {$600.00} we continued to talked for several minutes and me and my friends left the bar the man from the couple gave me a hug goodbye. now back at my hotel i noticed my phone and wallet were gone, very upset it was late so i went to bed. i got up early XX/XX/XXXX took a XXXX  to the XXXX  store got a new phone and went back to my room and called TD fraud and cancelled my debit cards as well as my other credit cards. During that time period the people who stole my debits cards and must have saw me use my pin at the bar racked up {$9300.00} in charges at several stores and ATM machines. When I got home I went to TD Bank that monday XX/XX/XXXX and filled out a fraud report list all of the false charges. A week or so later i was told by letter TD felt fraud did not occur due to the fact after i cancelled the cards there were no attempts to use them. this is false there were indeed two attempts to use cards after i had cancelled them. I refiled my case they again declined to cover the false charges. I was told to get local police report which I did and refiled for a third time with a promise from TD Bank disputes and Claims would call me directly which they never did by again refused to cover my charges. I have two witnesses that will attest that I was with them during the time period my cards were being used all over XXXX XXXX. Ive used TD Bank for over 15 years with no issues. I asked TD Bank to please pull video tape from ATMs the cards were used during time period after my wallet was stolen and the refused to do so. I asked them to please look at store video footage to see who indeed used my cards and they refused to do so as well. Their whole basis of refusal to cover my loses Im told were based on the fact the cards were not used after I cancelled them HOWEVER I was told by TD BANK customer service there were indeed two attempts to use my cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX phone XXXX obviously did not do their due diligence in investigating my case. I sincerely request your help in this matter
Consumer complaint received 2021-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA (NC)

I was recently called by a person impersonating an employee from the fraud department at Goldman Sachs Bank. The number they called from was ( XXXX ) XXXX. They convinced me that there were multiple large charges on my Apple CC and sent me a link to change my password, which I stupidly did. They put me on a long hold at which time I began to suspect it was phishing. I immediately hung up and called Apple support. My credit card was deactivated, but Apple refused to help me recover my AppleID even though they could clearly see that my recovery information had just been changed. They wouldnt even lock the AppleID so that the person committing fraud would be stopped from accessing all of my bank info, saved passwords, and online accounts. Im sure Im not the only person that has been scammed by whomever the XXXX phone number belongs to. The biggest lesson I learned is that no matter how many years you have used Apple nor how much money youve spent with them matter. They were more interested in protecting the scammers rights to my account than in helping me. The did send me a link to educate me about phishinga little late for it to be of any help
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have requested to XXXX to validate and verify the negative account they are reporting on my personal credit profile, including providing an acknowledged agreement and transaction history of how that balance was calculated. They have refused to provide this or any copies of documentation verifying this account, yet they have been willing to put this unverifiable debt on my credit report.
Consumer complaint received 2021-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

Mt corvid 19 forbearances ending 0n XX/XX/2021. I do call and request a regular payment also requesting special help and any program to extend. They recommended another department for a loan modification to lower my monthly payment so I contact that and fill out the paper but they need documentation ( WellsFargo needs a financial report After the year XXXX I requested it and still waiting that I couldn't get it from my Co-op bank. ( Phone conversation recorded ) Therefore I started making payments on XX/XX/XXXX and XX/XX/2021. However, Wells Fargo wants all the payments at once during the forbearances period. And XXXX XX/XX/2021 I have got Foreclose Notice by mail. 

I am so confused and Don't know what to do. All I need extended forbearance or another help and I filled all the paperwork Also I made all the regular payments after the forbearance period ends. 

I requested 3 times please back to my normal payment and I made a payment but I got forclose notice I need help. 

Thank you for reading this grammarless writing once again I need help. 

My monthly payment is {$430.00} I've received notice of intention to foreclose XX/XX/2021 Total overdue {$7800.00}