davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of these listing on my credit reports. 
XXXX ( Paid in full ) {$0.00} XXXX XXXX XXXXXXXX XXXX Paid in full & confirmed ) {$3600.00} XXXX  XXXX XXXX  XXXX XXXX Never Late ) {$0.00} XXXX XXXX XXXX Paid in full & confirmed ) {$460.00} XXXX XXXX XXXX XXXX XXXX Paid in full & confirmed ) {$160.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$170.00} XXXX XXXX XXXX ( Paid in full & confirmed ) {$830.00} There are no contracts, no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC (CA)

On XX/XX/2021 I pulled my credit report to see a collection account from Cedars Business Services with a balance of {$2100.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Cedars Business Services has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Cedars Business Services has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. FCRA & FDCPA states that if the debt is not validated in the 30 day period this account is now deemed false & unverifiable. They also require the account to be deleted from all major credit reporting agencies immediately with a copy of such deletion sent directly to me.
Consumer complaint received 2021-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

I signed up for the {$700.00} Citi bank promotion - which required me to fund my account when I created the account, I didnt recieve my debit card and pin which are required to create an online account to access account number/fund my account. I called them after 2 weeks and they said they were waiting on more information, but did not send me any emails indicating what information was required. I emailed and faxed the additional information required but did not get any emails showcasing that the documents were recieved. 

Then, I got the email inidicating the futher information required and I submitted the information on the same day. THIS WAS ALREADY MORE THAN 30 DAYS LATER. 

I got the debit card 5 days later and I funded the account the very same day. I called the agent and they said I would still qualify for the bonus as the delay in creating the account was on Citi 's side. However, I did not recieve the bonus. I have called 8 times and keep getting transfered to different agents. No one has resolved this issue and they keep punting the complaint by asking me to call in 30 days. 

This is pure fraud and they are taking advantage of the customer. I know of 3 other people that faced the same issue because citi delayed their account creation.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED BANKSHARES, INC. (WV)

Fraudulent withdrawal of funds ( {$510.00} ) on XX/XX/2021 from United Bank Visa Debit Card, linked to my checking account, by a foreign bill paying service based in XXXX XXXX XXXX XXXX XXXX. I, as the owner of the account, was contacted by United Bank 's Fraud department on XX/XX/2021 asking if I was authorizing this charge and I replied that I did not, it was a fraud, and I advised United bank not to release any funds. They replied that they could not do that, and I would have to report this to United Bank 's customer service department when they reopened for business in 48 hours. I contacted United Bank 's customer service department on XXXX and reported to call center representative ( XXXX ) the fraud. Was advised that United bank could not enter this fraud as a 'dispute ' that I would have to report this in person to one of their physical branch offices and I would have to wait for 5 days, until XX/XX/XXXX to report since the withdrawal was in a 'hold ' status '.
Consumer complaint received 2021-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (MI)

XXXX aka Monterey Financial, provided an online " Lease '', yet structured as a Loan. 

The initial purchase was {$1200.00}. To buyout the lease/loan early, the amount exceeded {$3400.00}. 

In XX/XX/2020, upon receipt of loan/lease documents, the window for a reduced early buyout of the loan had less than 12 hours to be executed. 

The following business day, I reached out and inquired about a payoff amount, in which the adviser gave me with no reduced amount, simply the monthly payment x duration of loan. They explain, " Because this is a lease, they have the right to additional fees. '' To the tune of {$2200.00} on top of the original {$1200.00}?! 

When I asked how this could be so high, it was relayed that " Details were provided in the information packet I digitally signed. You were made aware of our fees and were provided ample time for a buy out. '' Their provided time limit offered no time to gather the funds and pay the loan off early before the pay in full amount set in. I only used this service to help with building stronger credit lines. This mixed with Covid, has become a huge burden on our family. Had I known the dirty details, I would have used my credit card to purchase the products. 11 % is a darn sight better than their 200 % interest rate. 

In order to keep in good standing, I've continued to pay on time. But, this is simply wrong of them.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Facts from the payment records and statements : 1- The first PMI payment was done on XX/XX/2021 for PMI due date XX/XX/2021 I have paid all the dues from any previous time 2- There is a double PMI payments of amount {$47.00} happened for PMI due date XX/XX/2021. First was done on XX/XX/2021 and the second was done on XX/XX/2021. 

I called the company and stayed with them for over than 3 hours. They kept giving me justification totally against the written dates in the payment records. 
There is an extra PMI payment that need to be refunded based on the records. I contacted the company in writing through the online contact email and over the phone.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independent Recovery Resources, Inc. (PA)

The XXXX Credit Bureau is reporting inaccurate information on IND REC RES ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-15
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. (PA)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX. Also I have fraudulent unauthorized inquiries listed on my credit report for the following : XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021, XXXX XXXX XXXX XXXX Inquiry : XX/XX/2021, XXXX XXXXL and Inquiry : XXXX. XXXX, 2021. Please remove. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2023-03-06
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (GA)

Purchased storm shutters on  XXXX / XXXX /  XXXX   from   XXXX   XXXX   XXXX   store located at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Florida  XXXX . With  Wells Fargo cred it card. After purchase, there is a sign that says, " you will be loaded by staff ''! So I had no control of the loading procedure. My problem was that after I purchased the storm shutters in good faith, the loading crew switched my shutters with another persons shutters. Please be aware that shutters are purchased to fit a particular size window. None of the shutters they loaded me with fit my windows. I returned the next day to inform them of their mistake and I just wanted the shutters I had purchased. I was in formed that n  o manager was available to return the order. Then I was told that I would have to purchase new shutters and speak with a manager about a refund since it was the loaders fault for the mix-up.
I purchased a second set of shutters believing I would get a full refund for the mix-up. No manager responded to my calls as I live out of town and the shutters were for an investment property. I contacted Wells Fargo and they placed a temporarily   credit to the credit card. After some time they reversed the card saying it was a valid purchase and I had no claim because the merchant had signs posted that all sales are final. My argument with them was that I never received the merchandise I purchased, I received someone else shutters, therefore there was no final sale. They  ( Wells Fargo ) informed me  that  XXXX  would do an investigation but when I contacted  XXXX  they had no knowledge o f Wells Fargo ev er requesting a dispute on my behalf. I called  Wells Fargo ba ck and was told it could take up to 6 months for  XXXX  to complete their investigation. To this d ate Visa denies any correspondence from Wells Fargo and I have been double charged for an item I never received the first time that I paid for. Then I received a letter from Wells Fargo sa ying the credit That I received would be reversed causing me to pay for the loaders mix-up. They told me that this decision was final.
Consumer complaint received 2021-01-04
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: Credit Plus Inc (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiry on my credit reports. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (KY)

I was advised when I got this card that the cycle date was the XXXX  every month. I called in multiple times because there is no app and the statement date kept changing. The representative assured me that my cycle every month the rest of the year would be the XXXX. This month, during the holidays, Im hit with a XXXX bill almost because I went shopping for XXXX  dinner items and gifts after the date my statement was supposed to cycle. This card is paid in full every month due to it being my main home card. All of my house bills and food go on this card. The representative I spoke with initially gave wrong info and the supervisor I spoke with today advised he could not give me the billing cycles for the 2021 year because you do not release those to customers. That isnt internal or proprietary information. Thats withholding information pertaining to my account. I work for a major XXXX  XXXX and we have to provide that if a customer asks for it. How can you expect your customers to accurately budget if your agents can not simply tell them or set a due date. The rolling 72 hour period the supervisor spoke of should not effect the date my card cycles and the charges should be placed on the cycle they were charged on based on the date and time the charge comes through. That should remain unchanged that way I as a consumer, can plan my bills accordingly every month. Bait and switching your customers is absolutely unethical. I signed up for this card for the rewards and switched from XXXX  XXXX. I never had this kind of issue with them. I have multiple major cards and not one of them has a variable cycle date. I am very much considering cancelling this card and going to a reliable institution that can answer a simple question pertaining to my cycle date and doesnt withhold account specific information that I as a consumer am entitled to. Based on the customer service Ive received, I understand why customers would rather not do business with synchrony. This entire situation has been a joke and never shouldve occurred.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

My student loan servicer Nelnet is incorrectly reporting information. Both on their website and to credit reporting agencies. 

My loans were discharged as I am XXXX XXXX XXXX veteran. As such the loans should be paid in full, closed. That's how they should appear and be reported. However, when I check the credit reporting agencies and when I get my mortgage verification document from Nelnet, they show as closed but still owning $ XXXX in loans. This is inaccurate, this is wrong, and I am being harmed from obtaining a mortgage. 

Please correct this.
Consumer complaint received 2021-06-18
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: Sequium Asset Solutions, LLC (OH)

This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX* -SEQUIUM ASSET SOLUTIONS INC # XXXX
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Per the request of Shellpoint Mortgage Servicing ( XXXX ), I made a payment in the amount of {$1000.00} directly to the insurance company ( XXXX XXXX ) on XX/XX/2021. I was told that However, without my consent, Shellpoint Mortgage made an escrow disbursement to my insurance company on XX/XX/2021. The insurance invoice was due on XX/XX/2021. 

I contacted Shellpoint Mortgage again onXX/XX/2021. I was told that I need to work with the insurancecompany to get the refund. 

Please cancel Shellpoint Mortgage 's payment or work with XXXX XXXX to refund {$1000.00} back to the escrow account immediately.
Consumer complaint received 2020-12-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

M & T Bank serviced my home loan until I refinanced in XX/XX/XXXX. Closed escrow and signed documents on XX/XX/XXXX. Notified by title company that annual tax bill was included in closing costs and that M & T Bank would be sending me balance of escrow/impound account ( between $ XXXX {$1900.00} ). M & T Bank the paid the taxes 3 days later using escrow/impound funds, told me that I needed to contact my countys attorney authorities to initiate return of funds. To date I have not received return of escrow balance and conformed with tax authority that funds for tax payment was wired on XXXX almost 30 days after signing documents with title company. Customer service has been unhelpful and provides wrong and conflicting information.
Consumer complaint received 2022-11-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$240000.00}
Consumer complaint received 2021-09-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

Santander consumer reported my car loan as delinquent and over 90 days late as of XXXX. I had just made two payments about two weeks prior to them charging off my account. They did not notify me that the account was going to be charged off and lied saying I was late on my payments which I never was. I have proof of payments showing I was not delinquent. I have tried to dispute on my credit report and have called the company but they continue to lie and say that they already charged it off as a bad loan so there is nothing they can do. Santander consumer has already had numerous lawsuits doing this same thing to other people. I will be filing a suit against them if this is not taken off my credit report.