davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (FL)

My credit was pulled by a 3rd party and they stated a bankruptcy appeared on my credit report. I would like that bankruptcy removed off my credit due to I obtain a letter from the bankruptcy courts stating they never report information of any source to credit bureaus.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (IL)

I been with Lexington law for year and 3 months I had to pay XXXX then I had to pay $ XXXX  month then I had to pay XXXX dollars then drop to XXXX month in that time they clean some of my credit score XXXX XXXX XXXX XXXX Experience Is customerservice there rude and when you trying to come to some kind of conclusion I tell you that they're not returning No money back no refund Can you tell you that they did everything that they could to clean up my credit I'm only telling you or just false lies They are scammers Before banana what is my credit score they can't even come to clues and what is my credit score but keep on telling me that is my credit score is gon na go up once I removed bad Inquiries And other things telling me nothing but lies lies liesI have to pay other company to fix my credit And this is so terrible my credit score is 4 Before I was with them l was almost XXXX or XXXX Before I need something to be done about this company Gon na be shut down cause they're ripping off people Real badly I see reviews about other people Much they have ripped them off I hope this help so no one go though what I went through it a scam
Consumer complaint received 2023-01-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (FL)

Today I logged and I noticed on each of my loans interest went up nearly XXXX XXXX Already I was paying XXXX % in interest which is criminal but since filing a complaint here I noticed a XXXX %!!! I can't help but wonder if this was an act of retaliation against me for filing a complaint the month prior. And to comment on my previous complaint I was never offered an interest only option I was not offered any option! What I was offered was my exact monthly payment. The notion that I was offered any sort of assistance is a lie. I question this establishments morale and I think they should not be in business especially funding front line workers such as myself. I am a public service worker to pay these amounts to care for people in the community is wrong. I need a more affordable monthly payment and interest I can not sustain {$600.00} a month especially having a baby at home. Please help this is a fraudulent criminal establishment.
Consumer complaint received 2021-03-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TN)

We applied for a construction to perm mortgage with BB & T ( Truist ). We paid for construction items outside of closing which were to be credited at closing. 

The underwriter refused to issue credits for monies prepaid claiming that they didn't know about them. We can prove that they did. 

Construction permit {$990.00} The down payment on our lot {$6700.00} Septic deposit {$2500.00} Septic installation {$1500.00} Water permit {$1100.00} This refusal forced us to bring extra monies to closing. 

They are now holding approximately {$12000.00} of our money as lender-held equity and are refusing to disburse it back to us. 

This ... after we went through 7 months of an approval process. This bank 's underwriting department is inept and abusive and has caused us an unfathomable amount of emotional distress.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (UT)

IC Systems is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting I however, never received any calls, notices, or letters from IC Systems about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2020-03-11
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: Experian Information Solutions Inc. (TX)

I recently completed my XXXX XXXX XXXX. While in school several things occurred. First, my federal unsubsidized loan was sold to XXXX. XXXX held this loan until the last semester before I graduated this fall in XX/XX/XXXX. I took off one semester ( Spring XX/XX/XXXX ) before I finished school. XXXX  immediately started billing me upon my separation without graduating for XX/XX/XXXX. Thinking that there should be some grace period and my spouse had been unemployed for a little over 2 years, I couldn't afford to pay them. I just held my breath and started paying them when he got a job in XXXX or XXXX of XXXX. I contacted them once and the representative totally ignored my grace period question and wanted me to set up a payment plan. As I explained, I don't need one since my husband is working. However, I am in no position to pay them thousands of dollars to bring this account current. Two concerns : If XXXX considered my original separation from school grace 6 months, then why am I 90 days late once the grace period ends? Second question : I pay XXXX one payment. Why are they reporting to the credit bureaus three different loans at 150 days late? They are purposefully doing everything in their power to do major damage to my credit. Last but not least, when I asked the US Dept of Education to review their reporting, they recognized the error and made it right. I am hoping and praying that someone can get XXXX to do the same.
Consumer complaint received 2023-03-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO DISCRIMINATES AGAINST XXXX XXXX  I received a XXXX $ cashier 's csettlement check took. it to Wells fargo, the bank manager verified the check said the money would be available the next morning at 3 am the money was available I sent XXXX via XXXX XXXX the money was then taken out of my account and the there was and neg account balanc of XXXX cents.i called the bank they said that .the bank would not verify the ( cashier 's check ) and said the funds would not available until the 10. A cashiers check, I do believe XXXX XXXX XXXX XXXX  as they thought they believe that the check was fraudulent they said I need to bring a letter from the people saying what the letter was about and for A cashiers check. THEY GAVE ME THE MONEY AND TOOK IT BACK, then tried to tell me that the check never cleared a cashiers check has to be verified?
Consumer complaint received 2021-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (CA)

XX/XX/21 - went into U.S.Bank on XXXX XXXX XXXX XXXX XXXX bank to open just a checking account. Bank servicing person was XXXX XXXX XXXX set-up I specifically said that I did NOT want overdraft protection. She gave me a form acknowledging my choice but also had me " e-sign '' that I agreed to a Reserve Line of Credit which is specifically for Overdraft protection. This caused a hit against my credit score and a reduction in my credit worthiness, not to mention the issuing of a unsolicited, unwanted credit instrument due to her Sales Misconduct and Bad Sales practices ( ala XXXX XXXX XXXX. On XX/XX/21 - after receiving a number of emails speaking to my " credit approval '', which I have never seen required to open a checking account, I return to the bank and talk to another bank officer, XXXX, and ask what this was all about. I show him my copy of my " Overdraft '' refusal and ask what generated this line of credit that I didn't ask for. He showed my signature at the bottom of the Line of Credit Acknowledgement Statement. I was a bit taken aback because there was my signature and I couldn't explain it. So now I have two papers in direct opposition to each other. A few days later I realize the Line of Credit was an E-signature. Easily slipped into other docs and maybe stated through masks and plexiglass, but certainly the opposite of my expressed and documented " no overdraft '' demand.
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc. (TX)

When I signed up with XXXX  XXXX through XXXX XXXX, I was told I could exit the contract at any time without early termination fee since I am a XXXX 's XXXX  member. 
I was not satisfied with the service and I call XXXX  XXXX  to inform them and told them that I was going to cancel my service. 
1. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
2. I called XXXX  XXXX XXXX to complained about the exit fee that was not supposed to be included in the amount due. 
3. On XX/XX/XXXX, the amount of {$610.00} was credited back to my account. 
4. After investigations, XXXX XXXX XXXX determined the charge was legitimate and asked me to call the creditor solve my request 5. On XX/XX/XXXX, the amount of {$610.00} was debited from my account. 
6. I called XXXX  XXXX several times to request the reimbursement of the exit fee without success. Not receiving any positive feedback from XXXX  XXXX, I called XXXX XXXX to complain about the situation. 
7. On XX/XX/XXXX, amount of {$180.00} was credited to my account by XXXX  XXXX. 
I am surprised that Unilaterally and without any contact with me in that regard, XXXX  XXXX sent my account to collection through Credit Management control. This action damaged my credit score and consequently my reputation. XXXX  XXXX XXXX closed two of my credit cards as a result of my new low credit score I request your help to solve this situation as soon as possible with the repair of my reputation.
Consumer complaint received 2021-03-11
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. (LA)

I file documentation regarding to that unknown and inaccurate account I found on my credit report. It's been more than 30 days now since I've sent it but I haven't received any response yet. I was stress. I am a victim of Equifax Identity Theft. Delete ASAP those accounts or I will file a litigation!.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2021-01-16
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX said that they deleted the debt from all credit bureaus but Equifax refuses to delete the debt. I have sent dispute letters to Equifax XX/XX/2020 and have yet to receive any acknowledgment back. Equifax thinks they are above the law. Per FCRA credit reporting is supposed to be accurate. Equifax has allowed inaccurate information to be on my credit report. The collection agency sent a deletion to Equifax and they are ignoring them. I have inquiries on my credit report that wasnt made by me and yet Equifax still allows them to be on my credit report. I have no choice but to sue them if they dont remove this collection and inquires in 30 days. Equifax needs to know they have to obey the law like everyone else. Equifax is messing up my credit by not reporting accurate information. I cant even buy a house because of them.
Consumer complaint received 2020-03-11
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 recently filed a complaint with TransUnion regarding an account that is listed on my credit report File marked '' 1 ''. The account is not mine. I never received a loan with that original balance from the creditor they have listed as XXXX University. I asked that they validate this debt and provide me with proof of the original loan balance and proof of the date of first delinquency of this account or remove this account from my credit report. 

I received the results of their investigation File marked " 2 '' and they replied that they had validated the debt. They did not provide me with the account information that I had requested. I had asked that they provide me with proof of the verification process that they had used to validate this debt. I also requested proof of the original loan balance and proof of the the date of first delinquency. 

I called TransUnion and requested proof again of the verification process that they used for this account and spoke with a TransUnion representative Ms. XXXX who told me it was up to the creditor to provide me with this information. She told me that they only report what information is given to them. I explained that it is up to TransUnion to verify the information given to them or a creditor could report false information. I also explained to Ms. XXXX that I had contacted the creditor and they could not provide me with the information I also explained that I had already filed a complaint with the CFPB and FTC regarding the illegal tactics of this company and their reporting of inaccurate information and time-barred information on my credit reports. I have spent months trying to resolve this issue and subsequently XXXX  and XXXX  did remove XXXX University from my credit report. 

By law TransUnion is required to provide me with the details of the verification process that they used to verify this debt including proof of the original loan amount and the date of first delinquency for this account as I requested, or this account must be deleted from my credit report. 

Please see details of my prior dispute complaints to the Consumer Financial Protection Bureau and the FTC, regarding this company and account. Complaint # 's XXXX # XXXX # XXXX I am available for any questions at XXXX. Thank you for your time and attention to this issue.
Consumer complaint received 2021-03-11
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-03-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (IL)

I have asked this company to stop calling me multiple times. They then reached out to my employer. They asked for me, told my employers executive assistant what this was about ( debt collection ) and left their name/company name/and phone number. They have done this multiple times and it is embarrassing/not ok. 

Company who keeps calling is : PROFESSIONAL BUREAU OF COLLECTIONS OF MARYLAND, INC
Consumer complaint received 2021-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (OH)

TO WHOM IT XXXX CONCERN XXXX XXXX Despite three requests, there is still no PROOF OF CLAIM THIS item listed ABOVE still remain on in YOUR OFFICE in violation of Federal Law. You are required under OHIO XXXXAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC.
Consumer complaint received 2020-03-11
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: CHARLES SCHWAB CORPORATION, THE (MI)

Monday XX/XX/XXXX I applied for a Charles Schwab bank account. After completing the applicaton it informed me that it took any where from 24-48 hours for approval. Tuesday XX/XX/XXXX I get an email saying i was provided and to fund my new account. On Wednesday XX/XX/XXXX I checked my credit score and it showed that Charles Schwab ran my account two times for one account. Called trying to see if there was anything they could do on their end to fix this 2nd Hard inquiry because they only informed me on one inquiry. Spoke  with a women name XXXX and she informed that it was a mistake on the company and told me there was nothing thy could do to try calling XXXX. Next she began to tell me that my account was closed for reasons i'm unaware of but they sent me an email to not only fund my account but to also complete account information.
Consumer complaint received 2021-03-11
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. (GA)

XXXX XXXX IN PARTNERSHIP WITH XXXX HAS VIOLATED MY RIGHTS WITH NO VALIDATING THIS ACCOUNT ON MY CREDIT REPORT. I HAVE ASKED THIS TO BE DISPUTED AND INVESTIGATED. I ONLY GOT A LETTER FROM THE COMPANY THAT THIS ACCOUNT WAS NO LONGER WITH XXXX XXXX  AND FURNISHED WITH ANOTHER COMPANY. THIS SHOULD BE REMOVED IMMEDIATELY. IT HAS CAUSED DAMAGE TO MY CREDIT REPORT AND IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-03-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (TX)

After completing a mortgage application with Mutual of Omaha Mortgage, the loan officer has refused to provide a loan estimate and stated that I will only receive one after providing and uploading all documents pertaining to this loan application. Documents are not required to provide a loan estimate and one must be provided within three days of completing and submitting an application. I have requested my loan estimate on more than three occasions and the loan officer has refused to provide one.
Consumer complaint received 2021-01-16
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: EQUIFAX, INC. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report. It has been 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten into the wrong hands.
Consumer complaint received 2021-03-11
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Per code 15 USC 1681 b & 15 USC 1681s-2 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my third attempt Ive lost thousands of dollars paid high interest rates aggravating XXXX  stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!!