davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) - Account Number : XXXX - XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be updated or corrected. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get adjusted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (TX)

I requested National Credit Adjusters validate the debt. I was sent a promissory note and billing statement. The promissory note did not contain my signature and the billing statement is from the original creditor XXXX XXXX. I do not have an account with National Credit Adjusters which is why they can not provide an accounting ledger with my signature.
Consumer complaint received 2020-10-02
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: WAKEFIELD & ASSOCIATES, INC. (AL)

THIS IS MY SECOND AFFIDAVIT. I AM HIGHLY OFENDED THAT I AM ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM A VICTIM OF IDENTITY THEFT. IM TAKING THE PROPER STEPS BUT BEING ACCUSED OF USING A CREDIT REPAIR COMPNAY. REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2024-04-17
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (IL)

XXXX XXXX XXXX XXXX XXXX MY FATHER BOUGHT THE FAMILY HOME IN XXXX. MY FATHER DIED IN XXXX, MY MOM TOOK THIS OUT IN XXXX. MY PROBLEM IS THAT THE COMPANY GAVE ME A REDEMPTION QUOTE OF {$210000.00}. I WAS WORKING WITH THE XXXX XXXX XXXX XXXX XXXX XXXX  AND THEY HELPED ME THROUGH THE PROBATE ISSUE. MY MOM PASSED IN XX/XX/XXXX. 
WE WANT TO KEEP THE FAMILY HOUSE, HOWEVER I REACHED OUT TO THE FORCLOUSURE ATTORNEY FOR THE COMPANY REGARDING MY PROBLEM.

THE BANK APPRAISED THE HOUSE FOR {$120000.00}. WITH THAT DONE NO BANK WILL LOAN ME WHAT THE COMPANY IS ASKING FOR. I ASKED THE ATTORNEY ASSIGNED TO THE CASE XXXX XXXX XXXX XXXX XXXX XXXX IF I COULD PAY THE APPRAISED AMOUNT. THE LAWYER SAID THAT WAS MY ONLY OPTIONS. I WAS SUPPORE TO HAVE THE MONEY BY XX/XX/XXXX. I REACHED OUT TO HUD AND SOMEONE IS SUPPOSE TO CALL ME BACK TODAY OR SEND ME A EMAIL..DO I HAVE ANY OTHER OPTIONS. JUST TRYING TO KEEP OUR FAMILY HOME. MY NAME IS XXXX XXXX, MY EMAIL IS XXXX MY CELL NUMBER IS XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - Account XXXX : XXXX
Consumer complaint received 2023-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I XXXX  two times from my checking account, the amounts were : {$500.00} and {$1400.00}, to a Water company that shortly after I learned it was a scheme when I checked with my water company, I right away called US Bank customer service, phone XXXX XXXX XXXX XXXX at about XXXX XXXX  on the very same day : XX/XX/2023, to notify about the fraudulent XXXX that I was just schemed, I was with Union Bank a long time and very satisfied with their service, i also learned that US Bank has recently acquired Union Bank, They said they would look into the matter and refund me the money.

Two days later, on XX/XX/XXXX I received the bank 's letter, that said their investigation were done and they were sorry that they could not refund me those fraudulent transactions, and did not explain why in the letter. I was so upset about the way the bank handling this, it did not seem they did a thorough look into the matter, no explaination of why, and I wonder how come their investigation did not take long, ususally with other bank I see like a week or so. I wonder if they ever even did their real search in this, or do they ever care, or can I trust anything of it? 
Then on XX/XX/XXXX, I XXXX  to my family {$100.00}. XXXX to my family member, the money did not go thru to them, i called the bank again, and they said the XXXX hasd a glitch on that day, and will show up in my family 's XXXX 5 days later, nothing showed up 5 days later, but the money was already taken out right away at the time of sent??? Then a week later they said they would refund this {$100.00} back to my account, the XXXX did not go thru, why if it did not go thru, then it shoulbe reversed right away, that is how I see with XXXX normally. 
All of this sound suspiciuos to me, I would start to think that US Bank might have not done their part to help their customer in their best,, or it would be a possible that why US bank is trying to keep customer 's money, when transaction was not succesful, and not doing their job to address the complaint as they are supposed to do as a bank. I am very upset, sad, frustrated and so very disappointed about this bank. 
US bank is a new bank for my account, I was with Union Bank a long time, never experienced any problems like this, with this new bank, I have already experienced very disappointed customer cares in them, I already started to lose trust in this bank service and have thought about choosing another bank. I am a hard working senior citizen in my later age, and I feel so terrible about all these, I have lost my money to pay for my essentials bills last month, about {$2000.00}, I work full time 5 days a week and sometimes even more, to meet basic living expenses, and I am very struggling because of the money lost, can you imagine how horrible anyone would feel at my age or at any age? Thank you so much, please help..
Consumer complaint received 2022-10-26
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. (LA)

XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of 2022, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to e-Oscar or any means of automated verification.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

TOYOTA MOTOR CREDIT CORPORATION from herein ( TMCC ) has discharged/ forgiven/ paid in full as agreed the debt as evidenced by my IRS 1099A copy XXXX TMCC has provided false information to the CRA 's by violating numerous United States Codes and Codes of Federal Regulations, one being but not limited to : 15 U.S.C. 1611 ( 1 ) ( 3 ) because TMCC was obviously fully aware of the discharged/ forgiven debt. TMCC claims to have informed me that TMCC would report any adverse actions to cra 's, I've rescinded and forbad TMCC to report my private information to any person absent my consent. TMCC has consistently dealt with me with unclean hands and bad faith. I pray this proof will finally fix this pressing matter and restore my good name. I want all the reporting agencies to receive copies of this complaint as well.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NM)

Truist locked access to my account for seemingly no reason that I can determine. They refuse to tell me why, and have locked access to my money unless I travel from XXXX, AZ to Maryland to present an ID. After several hours and speaking to numerous employees and supervisors they are still refusing to release the lock on my account, causing me to be delinquent on rent and bills. I WANT COMPENSATION FOR ALL DAMAGES.
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (IL)

We opened a Home Equity Line of Credit with XXXX XXXX XXXX XXXX. The funding was available on XXXX. Our banker said we were supposed to receive an introductory rate for a year. But it seems that didn't happen. 
My complaint is about Dovenmuehle that took over the processing of the HELOC and the statements. We made one interest payment to XXXX XXXX with a due date of XX/XX/2020 for {$280.00}. And also made a principal payment of {$3100.00}. When the monthly billing statement came from XXXX, I called because I felt they were charging too much interest, that is due XX/XX/XXXX. ( {$1000.00} XXXX Our payments were drafted on XX/XX/2020, due to the holiday. I did not pick the drafting date, so interest was charged for 3 days extra, through no fault of ours. 
I called Dovenmuehle on XX/XX/2020 and spoke with XXXX. She said she saw the problem and opened a ticket. She also asked that I send an email stating I did not want drafting on XX/XX/2020 until the interest situation was resolved. I received an email from XXXX XXXX which stated the formula for calculating interest. She did not address my concerns. I tried calling her, but her phone # did not answer, even though it presented as a business phone # with an extension. So I called Dovenhuehle again and spoke with XXXX  ( sp? XXXX. She said she couldn't put me through to XXXX. So I went over everything again with her. She said there wasn't a problem. I again called and tried to reach XXXX and I got XXXX. He wouldn't put me through to XXXX either. He said he was a supervisor. I was not happy with his explanation either and he said most likely the interest amount in question {$1000.00} would be drafted on XX/XX/XXXX. XXXX said she saw the problem and XXXX and XXXX and XXXX XXXX did not. I don't know who to believe as their responses to me all differed. I feel we will be paying more interest, than necessary and I can't get resolution. What should be our next steps? It was so much easier just working with XXXX XXXX XXXX. Not impressed with Dovenmuehle at all and wish they weren't involved with our account. We may end  up changing banks if we can't get good personal service. Please let me know.
Consumer complaint received 2022-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (AZ)

I went to ask a loan for {$500.00} at TitleMax XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone XXXX. 
I talked with XXXX It was on XX/XX/XXXX of XXXX 
She told me to pay every XXXX XXXX {$50.00}. I accepted but On XXXX I went to pay the {$50.00} but I extended my loan for another {$450.00}. Total was {$950.00} Well every XXXXXXXX XXXX I went there and I pay the {$79.00}. 
But on XX/XX/XXXX I paid {$500.00} XXXX so My loan was XXXX. 
But I still paying the {$79.00}? I went on XX/XX/XXXX and I paid the {$79.00}!! I told her but if my loan is less now I suppose have to pay less interest... 
So she told me NO because your first loan was {$95000.00}!! 
I think if my XXXX right XXXX is {$400.00} so I do not have to pay every XXXX XXXX the amount of {$79.00}. right???? 
My current balance right now is {$400.00} so my nest payment will be {$79.00} on XX/XX/XXXX!!! why? if my loan is not {$950.00}.
Consumer complaint received 2024-02-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IN)

I am following up on my previous complaint ( ID : XXXX ), which I submitted in XX/XX/year>. MOHELA has still not resolved my issue. I am attaching a PDF of my MOHELA account, which shows that my IDR application had been approved as of XX/XX/year>, which I need applied to my account for my PSLF payments to count. As of XX/XX/XXXX, MOHELA has failed to place me on the appropriate IDR plan ( I applied for the SAVE plan which has been approved ). Therefore, I am still on the Level plan which does NOT count towards my PSLF eligible payments. MOHELA has removed me from Administrative Forbearance, which customer service once again verified on the phone that I should be on until my account reflects the appropriate payment plan ( IDR- SAVE ). I have taken all the correct steps on my end, and my account now reflects a past due payment due to MOHELA not appropriately solving this issue. For the record, I previously have a 100 % on time payment history. Why am I being faulted for MOHELA 's lack of service? This has caused me such significant emotional distress and I have spent time away from my work to try and remedy this situation once again via phone to MOHELA 's customer service. I was explicitly told by MOHELA customer service that my full account would be placed into forbearance until I was on the right repayment plan back in XX/XX/year>. In addition, MOHELA has continuously had the direct message button on my account XXXX, so I am unable to directly send messages in order to have written communication on file.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (MA)

I was offered XXXX bonus points but now I am told it is only XXXX bonus points. It is currently being offered XXXX bonus points and believe this is misleading. This is an unfair and deceptive business practice by the Barclays XXXX credit card. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Consumer complaint received 2020-08-06
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. (AR)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  {$500.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2020-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened a dispute back in XXXX with TransUnion regarding XXXX XXXX, for whatever reason, the past due payment was removed from my report. A couple of days ago I noticed XXXX XXXX once again reported the same past due issue once again. I explained to them that subsequently to the migration from XXXX XXXX XXXX which I had set up with autopay, the bill became late and I was unaware. It happens that XXXX XXXX did not carry over my autopay and although they made numerous attempts to contact me via postal and email ; it is my argument that the envelopes and email were generic by design. I will attach email examples in this complaint. The irony is XXXX XXXX waited till the bill was passed 30 days to contact me via phone. Once I received the phone call I immediately paid, which I would have done if they would have contacted me sooner. 

I attached an image of the emails I received from XXXX originally and the generic emails I received from XXXX which subject line do not refer to XXXX. As you will well notice Cardmember Service is practically any spam email and postal mail one receives on an average week. I phone call would have solved this issue especially since I was a new member. If this would have happened because I just plain forgot to setup autopay or just did not care about making a payment I would understand.