davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Around 7 years ago, there was an identity theft attempt on my Bank of America checking account. BoA notified me that they caught the issue and stopped it. Oddly, they also shut down my checking and savings account. When I attempted to get answers as to why, they said they couldn't tell me. Another attempt to get answers from the resulted in them telling me to call another internal number for another department. That department told me the same thing. Weeks later I attempted to go to two other banks and a credit union which all said the same thing. Today XX/XX/22, I attempted to open an account figuring enough time has to have passed, and I've been able to get XXXX credit cards. Same result. Those cards are all in good standing, I have direct deposit via an online bank ( XXXX checking ), and have been in good standing there for at least 5 years. I'm thoroughly confused how them catching an identity theft attempt resulted in me loosing the ability to get a checking or savings account. Due to the amount of time and being locked out of the account the next day I don't have documentation. Thats also due to no one being willing to answer the why or point me in the right direction to get that answer so that I may be able to resolve whatever confusion exists.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Made attempts to have fraud alert removed from all major credit bureaus. As of today, fraud alert remains, unable to dispute unfamiliar items. With the notations on the credit profile, my credit profile is compromised.
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

15 U.S. Code 1681m - Requirements on users of consumer reports 15 U.S. Code 1681- Congressional findings and statement of purpose Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) name or social security number. Agencies fail to follow guidelines for handling disputes
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TX)

My payment is due XX/XX/XXXX. I went on the website to make the payment put in my checking account info with routing number. I received an error message. I refreshed the page and then it tells me how I need to pay is thru my online bill pay with my bank. I called the company and spoke to 1st rep he said he does not know why it did that but I need to pay with my online bill pay. Now on XX/XX/XXXX I put in my checking info and made the payment and today I did the same thing and received an error. I asked to speak to a supervisor I get XXXX on the phone at first she said she has no clue why it did that then I told her I need an answer today I am trying to make a payment she said oh well our website is going under construction. I told her that I need to make a payment today and since they are having an issue with the website I should NOT be charged the XXXX fee she said I would be charged and I don't have a payment due even tho my bill says payments are due on the XXXX. I asked to speak to a supervisor she said a call back and someone will call me back within. 3 to 5 business days. Today is the XXXX my payment is due on the XXXX. I need answers. I do not want to be charged any interest rate charges because I am trying to make a payment
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

Made attempts to have fraud alert removed from all major credit bureaus. As of today, fraud alert remains, unable to dispute unfamiliar items. With the notations on the credit profile, my credit profile is compromised.
Consumer complaint received 2020-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  We have YET ANOTHER PROBLEM WITH SLS -- -- -- -- THIS IS OUR FOURTH ( 4TH ) CFPB COMPLAINT AGAINST SLS IN ALMOST AS MANY MONTHS -- -- -- This is NOT a duplicate complaint. 

We have had to re-email the SAME DOCUMENTS MULTIPLE TIMES -- -- SLS claims they only receive one attachment when there are multiple attachments. This is clearly another attempt to defraud their investors and their own clients. 


-- -- -- -- -- -- -- The INCOMPETENCY of this company is RIDICULOUS. ********************* They were just nailed for committing loan fraud and violations of their servicing agreements See attached Consent Order -- -- -- -- - Apparently they are going to continue to commit fraud regardless of how much they are fined. SLS HAS ALREADY BEEN FINED FOR THESE SAME ISSUES, YET THEY KEEP VIOLATING FEDERAL AND STATE LAW. THEY OBVIOUSLY THINK THEY ARE ABOVE LEGAL RAMIFICATIONS FOR THEIR ACTIONS. WHEN IS SOMETHING GOING TO BE DONE ABOUT THIS? 


-- -- I have attached the documents here to this complaint as that seems to be the only way to get SLS to accept and process the documents they need for the short sale. Also attached is our authorization, as it seems to be the new excuse SLS uses in order to not address complaints made against them. -- -- -- - I expect this file to be moved forward appropriately and immediately.
Consumer complaint received 2020-08-17
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: Experian Information Solutions Inc. (AR)

I asked XXXX, Experian and XXXX to remove the below inaccurate information from my report about 2 months ago. I haven't heard anything back from any of the bureaus. 


1. The following account is not mine XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 XXXX. The following account is not mine XXXX XXXXXXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 3. The following personal information is incorrect XXXX XXXX XXXX XXXX   XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020 4. The following personal information is incorrect XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020. 

5. The following personal information is incorrect XXXX XXXX   XXXX XXXX XXXX Amount : XXXX Bureau Contact Date : XX/XX/2020
Consumer complaint received 2022-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc (AR)

On or around XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor ) sent account for {$690.00} to Professional Credit Management ( Collection Agency ) On or around mid XX/XX/XXXX or XX/XX/XXXX XXXX XXXXl also sent another account in the amount of {$480.00} to the same collection agency in error. The original creditor never filed this with my insurance provider. 

I have spoken with several different people at XXXX XXXX XXXX Department and XXXX XXXX agency to get this matter resolved. I have been unsuccessful in getting the {$690.00} removed. I did not authorize XXXX XXXX  to share any information with anyone which is a violation of the HIPPA LAW.
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RIGHT START MORTGAGE, INC. (CA)

XX/XX/2020 To Whom It May Concern, I have a refinance with Right Start Mortgage. When I got the refinance in XX/XX/2020, it was to pay off a solar panel loan that was attached to my taxes. I was told that the taxes would be reset to the original amount when the loan was funded. The taxes with the solar panels on was {$4600.00} and without them it should be around {$2400.00} a year. Then I got a reassessment for my escrow account in XX/XX/2020 that showed the old tax amount. Right Start Mortgage did not change the tax amount and is not trying to get almost {$300.00} a month more, which I can not afford. I was struggling to pay the payment before this excessive increase due to Covid-19 which caused me to have less hours at work. I contacted Right Start about the reassessment being incorrect and they said they could not change it until they received a tax bill from the assessors office. Why did the broker promise me that he would reset the taxes, when it looks like they could not do that in the first place? I feel it was a bait and switch to get me to go through with the refinance. I informed the representative at Right Start Mortgage Loss Mitigation that I would need to be put on the forbearance plan because they  messed up my loan and I could not afford the new payment amount. I was told on XX/XX/2020 when I contacted them that I would be put back on the plan. I thought things were going as they said. So I waited to get the packet they were suppose to send. I didnt receive it as of XX/XX/2020, so I called on XX/XX/2020 and the representative informed me I had been in a forbearance plan and it ended XX/XX/2020. I asked her how could my forbearance be ending date of XX/XX/2020 when I had requested to be put back on the forbearance plan in XXXX. The Right Start representative stated that she saw that I had called in XX/XX/2020 and that they were suppose to set me up for the forbearance and did not complete it. So on XX/XX/2020 that Right Start representative stated that she will get me back into the forbearance plan so that I would not get penalized for not being able to make the XXXX payment. On XX/XX/2020 I received a letter stating that I had recently informed them of my hardship due to Covid-19 and requested a forbearance plan. It states that I should have received a forbearance agreement. I did not receive and agreement and no one has called. I called on XX/XX/2020 and was informed that the payments have been suspended for the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020. I need to have my taxes reassessed to the correct amount for the mortgage payments.
Consumer complaint received 2023-03-17
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. (FL)

Transunion took more than 30 days to complete their investigation from my letter I sent in XXXX here is my certified tracking # : XXXX this is ground for removal they are violating my rights
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aurora Enterprises, Inc. (CO)

My name is XXXX XXXX XXXX my number is XXXX I am contacting you because i feel as though i am being illegally pursued for a debt i do not owe. The debt is with aurora bureau of collections and it is for XXXX XXXX XXXX XXXX i just went to court on XXXX and told them i disputed the charges but i didnt have the money for the filing fee XXXX. So he told me the judge would enter a default judgement against me to give me to time to file me response not even two day later i have a letter from aurora bureau collections lieing and stating judgment was entered against me and they demanded payment i kept the letter and took it to court and filed the filing fee and copy of them demanding payment before the judge had even ruled!!!! Then they complaint say there were 7 holes in the wall not while i lived there the church wouldnt of given me the money to move to XXXX XXXX XXXX XXXX XXXX XXXX colorado XXXX if they would slof saw wholes in the wall!!!! Then XXXX XXXX gave me a week to move i moved and got the money from the church in 4 days!!!! So why is she trying to sue me 4 years later and put it on my credit when i did what she asked and i suspect identity theft and fraud because there were no 7 wholes left in the wall when i moved into my new home so that makes me wonder who did she allow to live there under my name after she kicked me out and i was already in new home to obtain 7 wholes in the wall??? I have all my court papers. Please call me back at XXXX something is not right and it dont add up. And i dont think they followed the necessary legal steps to collect and pursue for this debt. Please help XXXX XXXX XXXX
Consumer complaint received 2020-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (IL)

Chase Amazon Prime credit card has issued a refund on XX/XX/XXXX per their statement back to a credit card. I specifically requested a refund as I no longer want to use this credit card. The rep on XX/XX/XXXX told me I would receive an email in 2-4 days choosing to have a check mailed or a direct deposit. Today XX/XX/XXXX supervisor XXXX of XXXX Missouri stats he can not refund the money to me because the dispute has not been finalized. I want my money direct deposited to my checking account as previously promised by Chase. I do not want a check in the mail because I am afraid I will never receive it just like I never received my purchase from Amazon using the Chase credit card.
Consumer complaint received 2020-08-17
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. (MI)

I am not aware of the account XXXX XXXX which is reflecting on my credit report. I spoke to all three credit bureaus and XXXX was the only bureau who recognized the false information and removed the item. I have been in works with experian and XXXX   to get this removed but have not received any correspondence.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX  is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to XXXX XXXX ( creditor ) a number of times as well as the 3 major credit bureaus about a balance that is being reported. The account in question is being serviced by an outside collection agency, but XXXX XXXX is reporting balance on my credit report. I am being advised by all 3 major credit bureaus that XXXX XXXX is not reporting that my account is with an outside collection agency. This account has been with an outside collection agency for several years. I have called the creditor and credit reporting agencies to no avail. Account is charged off as bad-debt but not reporting or showing as transferred or sold to collections. Please help me with this issue.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (TX)

In XXXX of XXXX I was notified by XXXX and XXXX that a negative collections remark was added to my account. This was placed there by CCS Companies on behalf of XXXX. I do not have a XXXX account and have not lived in a service XXXX area since XX/XX/XXXX. Yet, the report states that I was late as of XX/XX/XXXX. I disputed this with both credit agencies and it was removed, then readded in XX/XX/XXXX. I disputed it again and was denied removal. I do not owe XXXX any money and I have never been contacted saying that I do by either this agency or XXXX. The collections just appeared on my report.
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

I received a debt from Convergent Outsourcing in XXXX WA XXXX from a XXXX. I called the collection agency to report this as fraud and the CSR starting asking for my Social security number. I told her I want to report this as fraud because I have not had a XXXX. Can I please report this as fraud and she continue to ask me if I know someone or allowed someone to use my information, NO Why would I do that! I continued to inform her I would like to report this as fraud and she hung on me. I would like to report this company along with XXXX for fraud. I do not owe XXXX and I do not owe Convergent. I feel harassed by both companies. Can you please fix this?
Consumer complaint received 2020-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I opened a checking and savings under promotional terms advertised on Citizens Bank 's website https : XXXX? offer= to earn {$300.00} to open a checking account, {$200.00} to open a savings account by maintaining $ XXXX for 3 months and an additional {$100.00} to do both. 

I met all the requirements but only received the {$300.00} checking bonus. I contacted customer service +3 times. Most noticeable was with XXXX XXXX on XX/XX/20 where the {$300.00} was paid out but no mention of the remaining {$300.00}. I contacted CS again and XXXX XXXX replied on XX/XX/20 stating I do not qualify for the bonus because the $ XXXX must be made one-time on the date of opening. I made 3 deposit that added up to $ XXXX and have kept the balance at Citizens for more than 3 months. I spoke to CS over the phone and asked where this is referenced on the XXXX XXXX XXXX XXXX XXXX deflected my question and keep on referring to marketing materials to deny my {$300.00} bonus.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As of XX/XX/XXXX I paid this card in full. I am currently considering purchasing a new car however I have been waiting for my credit score to go up. 
As of the XX/XX/XXXX I noticed that they were/had not reported the payment to the credit bureaus ' while the other 7 cards that were paid the same day had. I call XXXX and asked them why they hadn't reported it and they said they would on the XXXX. On the XXXX, today, I checked again and call XXXX and we told that they don't report until the end of the billing cycle. I know for fact that is false, I have another card with the them that showed paid in full right after payment. 
When questioned and escalated to a Manager I complained and asked for a letter today to be faxed to me to state as of today, XX/XX/XXXX that the account was paid in full, they again refused. 
XXXX can not pick and chose who and how they report when this is a case of adverse reporting. 
I would like to file a complaint as to the business practices in respect to the fair reporting act.
Consumer complaint received 2020-08-17
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$490.00} XXXX XXXX {$160000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$4000.00}
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX I authorized {$100.00} to be taken out of my checking account, they took {$1200.00} out of my account. Called them on the XX/XX/XXXX guy told me I would be getting a refund check for {$1100.00} in 3-5 business days got nothing in that time frame. Called back on the XX/XX/XXXX lady I talked to told me it should come on the XX/XX/XXXX again nothing.Called back on the XX/XX/XXXX 4-5 times that day couldnt get any help, dont know for sure if they kept hanging up on me or if the call kept dropping after they kept me on hold for 5-10 minutes each time.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (KY)

In XXXX of XXXX a collection account through XXXX XXXX XXXX in the amount of XXXX was placed back on my credit report. This collection account with XXXX XXXX as the original creditor was removed in XXXX. I was not notified by Experian, XXXX, or XXXX  that this collection would be placed back on my credit file.