davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-29
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent b

elow. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 605 ( c ) running if the period ha
s also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (OH)

I was surprised to find on my credit report a debt in the amount of {$4500.00} from XXXX XXXX XXXX representing XXXX XXXX XXXXXXXX XXXX from a medical emergency in XXXX. I never received written correspondence from either XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. 
When I saw this on my credit report on Monday XX/XX/XXXX, I immediately contacted my medical insurer at that time, XXXX XXXX ( a XXXX XXXX XXXX ) and spoke with XXXX. XXXX checked their records and told me that XXXX XXXX XXXX never contacted XXXX XXXX requesting payment for services that were supposedly rendered to me on XXXX which were the dates I received medical attention. XXXX and I both tried to look up information online for XXXX XXXX XXXX XXXX and the phone numbers we found were both disconnected. 
XXXX did note however that XXXX XXXX did negotiate and pay for anesthesia services to XXXX XXXX. We made a conference call to XXXX XXXX which was recorded and spoke with XXXX in XXXX XXXX Billing ( Phone # : XXXX ). XXXX confirmed that the XXXX services I received was paid in full, and promised that XXXX XXXX would have this information removed from my credit report within 24-48 hours. 
When this did not happen, I disputed this information with XXXX on XX/XX/XXXX. XXXX has not removed this information from my credit report, siding with XXXX XXXX XXXX for unknown reasons. 
This is why I am turning to you for help, because I have exhausted all of my options.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: KEYCORP (DC)

XX/XX/XXXX : Received email from KeyBank, who issues a pre-paid debit card pertaining to child support payments made to the Alabama Department of Human Resources ( DHR ) Child Support division, about " rewards expiring. '' XX/XX/XXXX : Received another email from KeyBank stating it is my " last day to redeem your rewards! '' XX/XX/XXXX : Called KeyBank ( XXXX ) to confirm card ( which expired XX/XX/XXXX ) was cancelled. Told by XXXX ( KeyBank ) she could not close the account as the AL Child Support needed to make that request. Asked to speak with supervisor. Spoke with XXXX and she recommended I call XXXX  XXXX, gave me the XXXX phone number ( XXXX ) and said she hoped I could resolve the issue. 
XX/XX/XXXX : Contact XXXX  XXXX to request closure of card. Told they no longer do business with KeyBank and would not be able to contact KeyBank to close the card. Stated the card is in my name and I need to close it. 
XX/XX/XXXX : Contacted CFPB to ensure that KeyBank is required, by law, to close the account at my request since the card is in my name and uses my information to retain that card and spoke with XXXX. 
XX/XX/XXXX : Contacted KeyBank, spoke with XXXX, who escalated my issue and said I would be called back within 24-48 hours. 
XX/XX/XXXX : XXXX, a supervisor from KeyBank, called and he said he is unable to close my account due to the company policy that XXXX XXXX will need to make that request even though the account is in my name.
Consumer complaint received 2021-12-29
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. (CA)

On XX/XX/XXXX I disputed an ( XXXX XXXX ) account on my credit report. Initially, it was deleted, but Transunion keep re-installing the debt. This has been going on for the past few months. I keep disputing, they keep deleting and re-installing. This cant be legal, once an item gets deleted it should stay deleted. This is constantly hurting my credit score every time they add new negative items to my credit report. Please help me with this matter. I have attached proof showing that the account was deleted and re-installed. The most recent date is XX/XX/XXXX.
Consumer complaint received 2021-12-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

I SPOKE WITH SOMEONE WITH EQUIFAX NAMED XXXX AND WAS RUSHED OFF OF THE PHONE WITHOUT RECEIVING PROPER ASSISTANCE. XXXX WAS RUDE AND WOULD NOT LET ME TALK. ACCORDING THE FRCA ANY UNVERIFIED INFORMATION MUST BE REMOVED FROM THE CREDIT REPORT. 
I CALLED REGARDING A DISPUTE I FILLED MONTHS AGO.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express Membership Rewards Program states on their website that if you book a trip with Membership Rewards Points and cancel the trip the Points will be returned to your account in the form of a statement credit.  American Express will not issue credit to my account as their Membership Rewards Program states.  I spoke to XXXX (Supervisor) and she was going to forward a request to the website department to change the wording online.
Consumer complaint received 2021-12-29
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. (AL)

My Experian score was XXXX in XXXX, XXXX in XXXX and has been XXXX since XXXX. I have had no late payments, my credit usage has been less than 10 % the whole time, I have not closed any accounts nor opened any new ones, no new inquiries, no changes in my existing credit limits. Experian either can't or won't explain why the same factors that were good enough for a credit score of XXXX in XXXX is good for only XXXX now. There is no reason at all for such a sharp decrease in my score two months in a row and Experian has done nothing but give me the party line about how they calculate their scores and what can cause them to change. None of those things that can cause change has happened, and my credit score has plummeted very rapidly. I would like them to either correct whatever is wrong or give me a satisfactory explanation for such a rapid, drastic change when my circumstances have not changed.
Consumer complaint received 2021-12-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (MA)

Its been over a year and a half since threat calls at all hours of the night and hang ups and threats along with violations in accordance to many lawsuits held against this company for Attempts to collect a debt not owed Communication tactics Filed incorrect information on the consumers credit report False statements or representation Threatened to take negative or legal action Written notification about a debt when in deed none was sent ever and buying off old debt that was related to police reports twice and nothing but pure tactics to torture me because I simply one once before when they tried to take me court and I simply not only had it resolved but because Im on XXXX and have no means to pay they are purely torturing me now. 
Just because I made past payments on this account more than 6 years ago doesnt mean I owe the debt. Some of us are simply not wanting out perfect credit to go down the toilet until we cant keep up paying debt that is no longer ours because we are victimized twice of identity theft and have already shared this info with this company and they still allow themselves too literally add to collections without notice nor hesitation that the debt has not been backed up by any letters and they lied to the Government to keep this on collections to hurt me and many others so they think Im gon na wait for 7 years for over a XXXX credit to just drop off my credit? Im not, Im taking action and I will not stop until this is removed from my credit report the calls stop the threats and hang ups stop and o thought since the last class action settlement they changed the way they robocall? No its all a lie and they continue to threat and threat and never validated any debts only because I paid on the account in 2013 they think I have not been through enough trying to get the company to close this account and have it removed from my credit reports and then they slide in and put the account on my collections the same day it was dropped off and this is double jeopardy and illegal and they have showed me nothing by grief and now not only anger but like I said I am giving them one last chance to fix this and remove this instead of acting like children and making malicious threats especially when they dont know me or my mental status. They should rethink what they say to people and I am too say no more at this time. CONSUMER FINANCIAL PROFITS FROM VICIOUS AND ILLEGAL STANDARDS TO OPERATE THIS SO CALLED BUSINESS AND NEEDS TO STOP ONCE AND FOR ALL.
Consumer complaint received 2021-12-29
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)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Consumer complaint received 2023-12-06
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/27 at approximately XXXX EDT. I pulled into the drive thru ATM machine located at the Wells Fargo at XXXX XXXX XXXX, XXXX XXXX, XXXX. 

I intended to withdraw {$450.00} out of my XXXX account, using my XXXX debit card. After I submit my pin and the withdrawal amount. A screen came up telling me to take my cash, however no cash was ever dispensed. 

A timer began telling me that if the funds were not pulled in that time then the cash would be taken and the transaction cancelled. Since no cash was ever dispensed the timer went to zero and the transaction was canceled. 

I tried to Input my debit card a 2nd time and after submitting my pin it instructed me that there was an error of some so sort and transaction could not be processed. 

I immediately checked my account history while still in the drive thru to see that {$450.00} was debited from my account. XXXX for the unreserved withdrawal and XXXX for atm fee. 

I had immediately contacted both XXXX and Wells Fargo in relation to the matter. 

XXXX : Please wait 24 hrs to verify that the pending status has been settled before submitting a claim Wells Fargo : You don't have an account with us we can not help as we do not service the ATM machines. You need to deal with your bank. 

24 hours later the amount of {$450.00} had posted so I began my dispute process with XXXX to which was denied after 2 months of investigation. 

My complaint has been filed with the CFPB for XXXX and now would like to File this against Wells Fargo the operators of the fauly ATM that took my money and is denying any wrongdoing. Bank notes were finally supplied to me but that does not prove that {$450.00} did not come out on the following transaction. 

Simple ATM footage from that day would prove that no money was ever dispensed to me in the 5-7minutes I was in that line and I have identified a camera that sits right on the roof above that ATM. License Plate XXXX, XXXX XXXX  XXXX XXXX. 

I will continue to file these claims until this matter is resolved.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Upon submitting credit card application with Capital One after I was pre-approved on XX/XX/2021. On that day, I received an email from Capital One requesting me to upload documentation of verification of myself without processing the application on file. Due to Capital One failed to process my application that day, therefore I call them and requested them to disregard my application due to failure to process my application and for them to remove the hard inquiry on my credit report. Capital One failed to do so that day.
Consumer complaint received 2021-12-29
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC (MT)

XXXX of XXXX, we were 30 days late on our mortgage payment due to covid. We contacted Planet Home Lending to let them know we were struggling. They offered a verbal agreement for us to go into forbearance. We then received a notice in the mail that we had been put into forbearance due to covid. We have since been in forbearance because of our small business being affected by covid. In the mean time, we hired a credit repair company to assist with debts. They contancted planet home lending to remove previous lates on our account. Since then XXXX reported us 150 days late on our mortgage to all credit bureaus. This is the time we have been in forbearance. Weve been in contact with XXXX, they are giving us the option to pay the debt of {$15000.00} in cash by XX/XX/XXXX or a modified loan deal through them, giving us a 3.0 % interest rate. We feel This is unfair. If XXXX hadnt reported us late 150 days late while in forbearance, we could have shopped around for a much better interest rate. They seem to have backed us into a corner, and we feel this is unfair and unlawful. We would appreciate any help you can offer us ASAP. The deadline is within a couple days ( XX/XX/XXXX ). We are asking that they remove all derogatory marks on our credit during this forbearance term, and give us an extension of 6 months or more to enable our credit to go back to normal.
Consumer complaint received 2021-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

My mortgage loan was purchase FlagStar bank on XX/XX/XXXX and my first payment with them started on XX/XX/XXXX. At this point FlagStar bank stated that I need insurance for my condo, I have the HOA insurance and private insurance outside, which both were provided to the bank. On XX/XX/XXXX this bank force the insurance on my loan for the amount of {$1600.00}, making my payment jump from {$1800.00} to {$2000.00}. I called and provided a copy of the insurance. I made a every single payment early ( I am an XXXX that usually gets by XXXX of each month so I pay all of my bill for the next month ahead of time ). Well, they took my XXXX payment and put it as an additional payment to the principal because it was no enough to cover the {$2000.00}. I called in XX/XX/XXXX to let them know that my that money needed to be put as a payment and not as an additional principal because the payment should be XXXX, all late feeds need to be credited to my account, that they needed to fix the payment for the right amount without the insurance. They did an analyst to my account and it was determine that was the correct information and that every should be correct and my next payment should not be XXXX, but XX/XX/XXXX. I login at the end of XXXX to due my XX/XX/XXXX payment. We still have the same issue. Apparently, I still do not have insurance thru my HOA, again I upload a copy of the insurance declaration page to their website. Called again in XX/XX/XXXX to get my account fixed they told me again everything is taking care, and it was not. 
On XX/XX/XXXX I called on the XXXX, the XXXX, the XXXX and on the XXXX to get my account fix and noting was done on it. They keep placing late payment on my account and not correcting the balance of my account. 
I made all payments by XX/XX/XXXX at XXXXXXXX XXXX, and still can not make my XXXX payment because of their poor account. 
I have worked with this company every single month since XX/XX/XXXX, and they are unable to correct their accounting errors. I was diagnosed with XXXX on XX/XX/XXXX, and my XXXX is really XXXX, I can not sleep, can not eat, my XXXX is to the XXXX. This situation is really frustrating, I called every month to get fix and still not fix. I do not know what else to do. Please help me, please. 

Thanks
Consumer complaint received 2021-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (PA)

My mortgage company PHH is not making timely payments from escrow to pay my insurance premiums. In mid-XXXX of 2021, my flood insurer advised that the {$750.00} premium had not been paid and was overdue. I had to make a direct payment by credit card to avoid a lapse in coverage despite the fact that the mortgage company has been billing for this premium to be paid out of escrow. The same thing happened today. My homeowner 's insurer advised that premium of {$2000.00} had not been paid and is now overdue. They want me to make a direct payment today to avoid a lapse in coverage. When I call the PHH customer service telephone number, I can not get through to a live person. When I send them an email, I receive an unhelpful response indicating that they are looking into it and will get back to me. But they don't.
Consumer complaint received 2019-12-20
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-10-11
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CNG FINANCIAL CORPORATION (FL)

I paid check n go {$550.00} by my debit card by phone. Later when o checked my account there was a pending charge for {$490.00} that I did not authorize. I contacted them and they stated that it was n't in their system so there was no way for them to reverse the charge and assured me that the charge would fall off. I expressed my concern that this pending charge would cause my rent to bounce and they advised that anything that I am charged such as bounced check fees or late fees as a result of their error would be reimbursed. My bank was unable to do anything because it was a pending charge and had not gone through yet.Because of this I went ahead and paid my rent hoping the charge would fall off. It did n't fall off until 5 days later and as a result my rent bounced and I was charged {$200.00} in fees. I contacted check n go and advised I have screen shots of my bank acct as well as a letter from my bank proving all of this. The rep spoke with his manager who said that they will not help me because they do n't show it in their system. I asked to speak with the manager and I was told no to go online and complain.