davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc. (GA)

My Revolut Business Account has been temporarily blocked for the last 5 weeks. 

I can not access the account via the app or online. I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last five weeks. 

The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. I would just like to access my money and close the account.
Consumer complaint received 2020-09-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

My account was hacked (? ) ON XX/XX/XXXX and I called and reported it. 
They froze my checking and savings accounts for 10 business days to investigate. 
I also reported this to XXXX Florida police department and was given a case # by Officer XXXX and she came out and spoke with me and looked at my account with me. 
I then went in to Sun Trust branch on XXXX and was never treated so rude and disrespected. I ask to speak with the manager and was told no. 
The payment they paid was not authorized by me and it has magically disappeared. 
I don't know if this is an inside job by someone embellishing money or if there really was a hacker. 
They have charged me so many fees, some of which reads no explanation given for XXXX dollars. 
They also returned a check and charged me that wasn't suppose to be paid until XX/XX/XXXX. 
I am a XXXX year old woman try to live on Social Security and have been given the run around for weeks now. 
I had XXXX cents to live on and had to take help from my daughter and friends. 
I need this resolved.
Consumer complaint received 2022-11-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Recovery Solutions, LLC (SC)

I went to check my XXXX account and see a company named DRS that added itself to my credit report I opened the account and see its from a old debt named XXXX i haven't received and letters or any emails from the company in XXXX  and now this is on my credit report without my knowledge.
Consumer complaint received 2020-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

XX/XX/2020 I received a letter from Gulf Coast Collection on behalf of XXXX Hospital XXXX XXXX in the amount of XXXX. I had XXXX XXXX XXXX  XXXX draft up a letter on XX/XX/2020 formally disputing the debt and required more information. -I asked for the name and address of the creditor, and the amount owed. 
- If the debt started with a different creditor, to provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. 
-I asked for them to provide verification and documentation that there is valid basis for claiming that I was required to pay the debt to the current creditor. 
-A copy of the last billing statement to me by the original creditor. 
- state the amount of the debt and when Gulf Coast obtained it, and when that was. If there had been any additional interest, fees or charges added since the last billing statement. Explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
- if there have been any payments or other reductions since the last billing statement from the original creditor, providing an itemization showing the dates and amount of each of them. 
- If there had been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount Gulf Coast is trying to collect. Explain how the amount was calculated. 
- State when the creditor claims the debt became due. 
- Provide the date of Gulf Coast 's Florida license, the name of the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
We requested a response within 15 business days but then the COVID-19 pandemic happened and we understood if they needed a little more time. Pushing forward almost four months have passed and we still have not received a response.
Consumer complaint received 2022-11-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed.
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (WI)

On XXXX XXXX XXXX XXXX called Discover Card services, using my name and social security number without my permission, requesting changes to my Discover Card account. 

XXXX requested a limit change. 

By doing so, the balance was changed from {$5000.00} to {$1800.00}. 

Discover allowed this malicious person to make changes without verifying any information to confirm my identity.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I have a loan with SYNCB/PPC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and sync/PPC with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF THE WEST (CO)

I applied for a bank of the west platinum credit card based on promotions I received and saw online ( 6 months no interest on purchases ). I  received some other promotion ( 15 months no interest on balance transfers ), but this change was not disclosed to me. I inquired about the promotion and the company took a long time to respond and I incurred hundred of dollars in interest waiting for their response. Nowhere on the account, settings, or statements were the promotions listed or identified. When I called they said they absolutely would not reduce the interest charge under any circumstances.
Consumer complaint received 2020-06-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Narrative of situation : BOA sent me a bill for a {$600.00} BOA check, Fall 2019, that I did not write. The card had been pd off and unused for quite some time. I turned this bogus charge in to their fraud dept who deemed it my responsibility although the check was cashed at a XXXX XXXX without identification and was signed by a XXXX XXXX without identification. The signature of my name does not resemble my handwriting. The endorsement signature on the back of the check has my name misspelled. I have filed a police report, a federal complaint about BOA and their disregard of the Fair Credit Act. 
BOA has persistently/monthly filed this on my credit report to pressure me to pay it which I will not. My wonderful credit score plummeted 200 points due to these BOA reports, costing me EIDL loans from the SBA needed for my businesses during the COVID disaster. The damage done to me through the negligence of BOA is irreparable. 
This card is in my name and we have filed dispute charges with it. Cashier checks were never requested by me. This company can not keep their customers secure and safe and refuses to support them. 
I currently have only one credit card in use for my personal affairs. It is a Mastercard through our Credit Union where we have banked for 35 years.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (FL)

To Whom It May Concern, I want to bring to your attention, once again, that XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX has been removed and re-added multiple times by your agency. I am outraged by the changes and decisions that your agency has made, highlighting the inconsistencies and irregularities in your records. I have noted the removal and re-adding dates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This repeated action is not only unhelpful but is detrimentally affecting my credit files. 

In my understanding, if a company puts back an account on a consumer 's credit report after it was removed, the credit reporting agency ( CRA ) must : Tell me within 5 business days that you put the account back.

Provide me a written notice including : > A statement saying the disputed information is back.

> The name and address of the company that gave you the information, and their phone number if available.

> A notice telling me that a statement can be added to my credit file. 

This is important because before putting the account back, the company that provided the information must confirm it's accurate, and this notice is a way to show that they did that. It also lets me dispute the information if I think it's wrong. However, your process appears biased and lacks my attention and approval. 

Moreover, I request further proof and evidence of the persistently incorrect and misleading accounts added to my files to understand how your verification was done. I strongly demand the complete removal of these accounts from my credit report due to inaccuracies and contradictions of your reported items. Specifically on the following : XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Account # : XXXX EQUIFAX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX Account XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX  I expect a prompt resolution to prevent further damage to my credit profile. 


Sincerely, XXXX XXXX
Consumer complaint received 2023-06-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: College Ave Student Loan Servicing, LLC (CA)

I have a private student loan with College Ave lending. I have made full payments on time for years. Last year, I began to fall behind. I tried to call them and request help prior to falling behind, as I knew I would not be able to make full payments soon. They had no help and I was told to " get a second job ''. I work 48+ hours per week already, have 3 kids, pay daycare and other living expenses. Eventually, I fell behind as expected. They harass and call relentlessly, even though I tell them I can not pay at the moment, and when I can I will send payments. Eventually, I stopped answering their calls because they became unbearable. In XX/XX/2023, my Fianc, who is not on my loan, as I am a SOLE borrower, I have no co signer, no one listed on my loan at all. They called him and disclosed personal information about my loan, my default and even tried to get him to change the terms of my loan and accept their " forgiveness '' program! He refused and informed the collector ( named XXXX ) that he was my fianc, not spouse, was not on my loan and would not make any decisions about my loan. I called and confirmed I was the sole borrower of my loan and filed a complaint. I had to conitnue to call back to verify my complaint was being " looked into ''. Eventually a supervisor called back and agreed and confirmed this XXXX did in fact disclose information he was not supposed to to my Fianc, I was told he would provide " more training ''. I requested documentation of my complaint and an explanation IN WRITING of their findings and remedy. To this day, I have not received anything. I had my Fiance 's number placed on a " block '' list. In XX/XX/2023, They called him again and left a message! I immediately called them and asked why they are continuing to call and received " ummm ... umm ... let me check on that.. I can add that for you '' when it should have already been blocked. They made no attempt to call me first, as our phones were right next to each other and I had XXXX missed called. They are continually violating my privacy in respects to my loan.
Consumer complaint received 2024-03-11
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: EQUIFAX, INC. (GA)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-09-29
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: Bread Financial Holdings, Inc. (MA)

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I sent a letter to XXXX XXXX explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, XXXX XXXX sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.
Consumer complaint received 2021-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (KS)

XXXX Was facing foreclosure at a residence i shared with past girlfriend with children. Joined in re financing to help save her house. i feel like i was never made aware of how poor our new loan was going to be. Think back in XXXX the house was worth XXXX my payments went up approximatly XXXX dollars, from XXXX a month to XXXX a month and i owe more now then before. Think last time i checked i owed XXXX so on this 30 year loan i feel like i am totally getting taken advantage of. Couldnt ever disagree. would have lost her house. Ive exspressed how much i thought i had the worse loan any one could evr have. they could care less. Wells Fargo.
Consumer complaint received 2024-02-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (TN)

I attended XXXX XXXX XXXX in XXXX of XXXX  and unenrolled XXXX of XXXX paid for by XXXX  benefits. I have been sent mail and received emails from J J Marshall Associates regarding debt collection. The XXXX XXXX XXXX has closed its physical address and does not have a phone number or email I can reach them to dispute this claim. I have spoken with J J Marshall and asked for proof of the debt and they have refused to give me any information and have put a derogatory note on my credit.
Consumer complaint received 2020-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TN)

On XXXX XXXX, requested documents from Fay servicing. Documents requested was copies of all modification XXXX, XXXX, XXXX, XXXX from XXXX XXXX attorney, and XXXX from XXXX XXXX attorney pertaining to XXXX XXXX XXXX XXXX Tennessee XXXX. Copies of all reaffirmation sign by the bankruptcy court XXXX, XXXX.
Consumer complaint received 2020-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent a letter to Capital One explaining that someone used my personal information to apply for credit and requested the unauthorized hard inquiry to be removed. 

Instead, Capital One sent a generic letter claiming that it was a result of a promotional inquiry though I explicitly said it was a hard inquiry I did not authorize.
Consumer complaint received 2022-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

Hello, I purchased my first home approximately XXXX XXXX  ago. I have NEVER been late or refinanced since Ive had the loan. I did file XXXX however, I NEVER included the mortgage company! I NEVER selected a mortgage company of my choice. I started with a reputable mortgage company, and the company has changed since I purchased those XXXX ago XXXX times. During my financial hardships the past XXXX XXXX, Ive NEVER defaulted on the loan! Payments were in regularly WITHIN the grace period of XXXX XXXX! Last year, end of XXXX my mortgage increased {$300.00} & Ive NEVER been late! This mortgage informed me by letter that I have an Escrow Shortage againand it was because of my property taxes! Now, XXXX, XXXX, I receive another letter and I called. My escrow is SHORT AGAIN AND MY MORTGAGE IS INCREASING ANOTHER {$100.00}! I HAVE NEVER HAD MORE PROBLEMS THAN NOW SINCE IVE BEEN WITH THIS COMPANY! How can you not explain to me WHY THIS HUGE INCREASE SINCE XXXX? A {$400.00} INCREASE IN MY MORTGAGE IN XXXX XXXX? AN EXCELLENT CUSTOMER DESPITE WHAT THEY SAY ABOUT A PAST XXXX  & THE COMPANY STILL RECEIVED THEIR PAYMENTS EVERY XXXX??? I could have refinanced and I was in the process but had to hold it due to family reasons. As soon as this the mortgage company found out, they harassed me to refinance with them! I DID NOT!!! AND NOW THEY ARE HARASSING ME WITH STATING MY ESCROW IS SHORT? How??? THEY ARE A SCAM AND FRAUD!!!! IVE HAD NOTHING BUT MONEY SHORTAGES SINCE THE OLD MORTGAGE COMPANY MOVED AND IT WAS SOLD OVER THE PAST XXXX XXXX I CANT KEEP PAYING THIS HIGH MORTGAGE AND I DO NOT WANT THIS SCAM COMPANY ANY LONGER!!! Its very sad!!! IVE NEVER HAD THIS PROBLEM BEFORE WITH THIS HUGE ESCROW SHORTAGE!!! Imagine what they are doing to customers of low-income, poverty families? What about diversity and inclusions in communities? What about loyalty of customers who make their payments despite whats going on in their lives? YOU DONT KNOW WHAT FAMILIES ARE GOING THROUGH! WE DONT REACH OUT TO TELL OUR PROBLEMS BUT WE TRUST OUR MONEY IS SAFE WITH THE MORTGAGE COMPANY AND THEY ARE DOING RIGHT BY US XXXX!! NOT THIS COMPANY! I need to know consumer financeDO I NEED AN ATTORNEY? PLEASE HELP!!!! Take a look at my loan and see how Ive NEVER BEEN LATE!! HOW IS MY ESCROW SO SHORT WITHIN A XXXX AGAIN??? I NEED HELP CONSUMER FINANCE!!! I PAY TAXES AND I AM A UNITED STATES CITIZEN!!! I HAVE RIGHTS!!!
Consumer complaint received 2022-11-06
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. (CT)

I informed them that I have a charge off but I received a 1099 C and had to claim it in my taxes so this is reported inaccurately on my credit report and is a violation of 15 USC 1681 E and needs to be deleted,
Consumer complaint received 2020-06-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: HYUNDAI CAPITAL AMERICA (NC)

In late 2012 Hyundai Finance let myself and my girl friend get a brand new XXXX XXXX from them. I was the primary she was the cosigner. She had bad created and needed help. So the plan was for her to make the payments I was just there to help her get the vehicle. We broke up and she got behind on the payments. I contacted Hyundai to help me locate the vehicle due to her moving to Louisiana. They would not help but continue to has me for payments. I told Hyundai I could not afford to pay the vehicle and wanted it voluntarily repossessed. After that it would go to auction and then I could try to pay off the debt and take my ex to court for the debt. Hyundai refused to collect the vehicle. Instead they called me daily for payments.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I've recently checked my credit profile and discovered inaccuracies in several accounts. I'm asking for my credit report to be brought into Metro-2 compliance. I know the credit reporting laws require bureaus to report only 100 % true, accurate, complete, timely, and proven credit information. I'm requesting the removal of any challenged or disputed misinformation, including any aspects of unproven reported subterfuge.

I don't authorize the bureau to report not proven compliant information and demand the removal of any non-compliant information by full and permanent deletion or adequate testimony to the document certification of their obedience to Metro 2 data reporting regulations. Failure to do so will lead to my determined and rightful civil actions to seek monetary resolution through a court in my jurisdiction. I'm asking the bureau to authenticate and avow corporeally to the absolute genuineness, accuracy, allness, accordance, and adherence to all federally composed legislative documents related to the now officially challenged allegations of account. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXcount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX