davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (FL)

I got service back in XXXX. Haven't heard anything or received anything through mail or email. I started receiving phone calls recently from a 3rd party that stated it about a dedt fron XXXX XXXX. I XXXX XXXX XXXX and the Lady stated that I do have abalnce with them but they don't send out notifications. How do I'm going to know that I have a balance. How can I take care the bill if I wasn't notify? But they send it to a 3rd party without notification not taking in consideration that this action will ruin the customer credit? I beeb a patient since XXXX. She said I'm sorry, I can submit a complaint but I will not be able to provide with a bill. Are you serious? Is this legal?
Consumer complaint received 2022-12-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA ()

I am a XXXXXXXX retiree and lived XXXX to XXXX in XXXX 
I opened accounts with Marcus by Goldman Sachs XXXX XXXX and I dropped everything to dash back to the XXXX. 
I closed down almost everything in XXXX including my rented apartment but couldnt close down my Marcus by Goldman Sachs account.

I returned to XXXX  to close my Marcus accounts. 
They asked for a US address. 
I checked with my hotel and, as they know me, they agreed for me to use their address. 
Marcus accepted and registered the hotel as my US address. 
I then started to call Marcus to close my accounts. 
I phoned DAILY for TEN days and was on the phone for anything from 45 minutes to 1 hour 52 minutes!!! 
The hotel received 4 letters marked for my attention from Marcus which proved they accepted the hotel as my address. 
Marcus are now saying they can not send checks to the hotel. 
I can not give them another address. 
They are now saying my accounts will go into the UNCLAIMED ACCOUNTS.

Im telling them they cant as Im claiming MY MONEY!!!

Because of the above, Im claiming that Marcus by Goldman Sachs is stealing my money.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are hard inquires on my report I did not authorize. I have not and did not request to do business with the companies listed below. I have contacted the companies they referred by to follow up the the credit bureaus stating they are unable to do anything. I have contacted Transunion several times requesting these hard inquiries to be removed they have failed to remove. Transunion has ignored my requests. I'm requesting deletion of hard inquiries they were NOT authorized and should not be listed on my credit report 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 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Onity Group Inc. (CA)

I had a disagreement for the non-approval of my Mortgage Assistance Application and it was sent to The Escalations Department. I have been calling everyday since XX/XX/24 to get a update because of my pending sales date of XX/XX/24. I called on Friday XX/XX/24 for a update The representative told me that my foreclosure was on hold. I called the Trustee to confirm and he told me yes it was still on hold. I called PHH/newrez on Monday XX/XX/24 at XXXXXXXX XXXX the day of the sale date for a update on my account, the representative told me the foreclosure was still on hole and there was no new update. I called the Trustee at XXXX XXXX the same day to confirm and he said yes it was still on hold. 
I called PHH/newrez on Tuesday XX/XX/24 for a update on the account and the representative told me that my home was sold at Auction. If my foreclosure wasn't going to be place on hold I would of made other plans to protect my home when I call on Friday XX/XX/24. They were misreporting the status on my account. All of the phone calls were recorded!!!
Consumer complaint received 2023-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-07-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: HEARTLAND PAYMENT SYSTEMS INC (PA)

I have a loan with CAMPUS PARTNERS. 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 terrific payment record with this company. I tried contacting the XXXX  Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Consumer complaint received 2016-01-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (IN)

i am filing this complaint because equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (ME)

1- Around XX/XX/XXXX I was contacted by Freedom Mortgage regarding a zero fee refinance. I had previously opted out of all solicitations by Freedom Mortgage. 

2- Repeated requests were made by me, the borrower, to bring cash to closing so as not to increase the value of the loan. Representatives of Freedom Mortgage always acknowledged the requests and ensured that all costs would be due at the time of closing. Representatives of Freedom Mortgage never followed through on those requests despite providing proof of funds on XX/XX/XXXX & XX/XX/XXXX. All associated costs were rolled into the loan which increased our total loan cost and added additional interest. 

3- After receiving a final closing disclosure on XX/XX/XXXX and being explicitly told by two freedom mortgage representatives that no conditions would change prior to closing, Freedom Mortgage issued a revision to the closing disclosure on XX/XX/XXXX, the date that closing was scheduled. The closing notary arrived at our house at which point I identified the discrepancies. At no point prior to closing was the revised closing disclosure provided to us as borrowers. 

4- No resolution has been achieved regarding false statements made from Freedom Mortgage staff, misrepresentation of terms of the refinance, cash to close discrepancies, bait and switch tactics, or other consumer protection violations that are likely occurring. As young borrowers of relatively low means, I believe this loan was designed to target us as vulnerable candidates to predatorily pursue.
Consumer complaint received 2022-08-27
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. (NJ)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2019-07-28
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IN)

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Nelnet/Dep of Ed, to XXXX, XXXX and XXXX. I discovered 3o Errors on Each report. Which indicates that Nelnet/Dep of Ed broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters to Nelnet/Dep of Ed. via Certified US Mail, inquiring about the loans reported .They responded XX/XX/2019 Informing me my account required no adjustment. I then wrote them another letter XX/XX/2019 detailing every mistake and they never responded to the debt validation but corrected their errors online. this is illegal.
Consumer complaint received 2017-07-25
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. (TN)

I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved Transunion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2018-12-22
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. (OR)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2018-12-22
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: CITIBANK, N.A. (CA)

I had fraud committed against me and reported it to XXXX, XXXX  and Citi card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX  and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Consumer complaint received 2022-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have check my credit reports and I saw all these inquiries, they don't belong to me. 


XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for the following accounts that you reported that are accurate.It 's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act andthat other consumer might be affected Having this type of information on a person'sa credit report is unfortunate and severely damaging, but having incorrect damaging information ona person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with in regards to the following accounts and the date that you spoke with them. I also want a confirmation of the address and phone number for the company. 

XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX As I have said, this account is incorrect and should be deleted entirely. Please send me anupdated credit report along with the investigation procedures. 

FYI, I DO NOT want a generalizedresponse stating what you typically do in an investigation. 

Thanks!
Consumer complaint received 2022-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (CA)

Upon renewal of my Citi Thank You Rewards card, I decided to close the account so as to not pay the renewal fee. This was in XX/XX/2020. I was advised I had 60 days to redeem my points, which were over XXXX ( over {$500.00} ). 

When a few days later I attempted to sign in on line to my account, my password and sign in information did not go through ; they were invalid. 

After numerous efforts to sign in, I attempted to get through to Citi Thank You rewards customer service, but the Covid epidemic had already kicked in and Citi 's ( XXXX ) number was experiencing excessive wait times. Citi, on its Web Site, advised customer 's to not call the ( XXXX ) number, but rather go on-line. Of course, this was impossible as my password was inactive. I attempted to call over 16 times but was not able to hold on due to the long wait times. When I finally was able to hold on for over one hour and get through some weeks later, I was advised my points were lost, due to a ( not disclosed ) time limit on redeeming the points after closing my account. I explained the circumstances ( password, Covid, excessive telephone wait times, etc. ) but Citi refused to credit the lost points, despite my having done everything in my power to use them. I have subsequently written XXXX very detailed letters to Citi but received only form letters in return that addressed none of the questions I raised. I spent several hours writing the letters, sending them, as well as calling Citi on the phone, waiting on hold, etc. 


The forfeiture and the surrounding circumstances appear a violation of their Customer Agreement as provided, as well as a denial that the jammed phone lines prevented servicing customers in a timely manner. 

I am requesting my points be returned to my account, or a cash refund for the equivalent value be refunded to me. Citi 's unilateral action was unreasonable and not in accordance with provided terms.
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX I # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (KY)

In XXXX of XXXX, my wife and I each made a {$3500.00} charge to XXXX XXXX XXXX XXXX, on our United Airlines/Chase credit cards. The cruise was canceled. On XX/XX/XXXX XXXX issued refunds to our now expired credit cards. Chase has no record of our credit cards, or the refund. After multiple calls I went to my local Chase Manhattan branch in XXXX, and presented them with : 1. A hard copy of the XX/XX/XXXX Chase statement indicating the charge. 
2. A hard copy of my two {$3500.00} payments from XXXX XXXX  to Chase Manhattan on XX/XX/XXXX. 
3. A hard copy dated XX/XX/XXXX from Chase Cardmember Services, indicating they closed my account with a {$0.00} balance, and inviting me back. 
4. Copies of the interbank transfers from XXXX to Chase Manhattan for {$3500.00} each. 
Chase has not refunded our two {$3500.00} ( {$7000.00} total ) refunds, and can't find any records, even after being provided hard copies of all transactions. 
Chase Manhattan owes us {$7000.00}. 
Chase has copies of all documents which were presented to XXXX XXXX XXXX Branch Manager XXXX KY XXXX
Consumer complaint received 2021-07-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

On XX/XX/23, after an ongoing battle with Paypal, who removed funds from my account for an un-shipped item that later proved to be out-of-stock and is trying to keep those efunds for weeks, I received a notification that my funds were finally available. 

When I logged into my account, I found a claim that the funds were refunded to my debit card. These funds have still not been returned to my bank, nor are they available via the Paypal interface.
Consumer complaint received 2023-04-09
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. (SC)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2019-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I have financial troubles for my business. I took out several XXXX XXXX XXXX XXXX to help, these lenders were to take daily ACH withdraws towards payment. I had to temporarily close my office, 5 weeks, in XX/XX/XXXX. My accounts receivables were not enough to cover loans, so I informed the XXXX 's and asked for help. They offered little. 

I contacted my bank to ask for help, I wanted to get their help in stopping the ACH withdraws ; I knew if they went past my balance, I would be charged overdraft fees. The bank said they could not stop the ACH debits, only close the account, once it was a positive balance. I had been in contact trying to get the XXXX 's to back off a little but the OD charges kept piling up. 

I discovered your website and read the information that stated the bank COULD have stopped the ACH withdraws. I immediately emailed the bank, who danced around the issue offering to " consider '' helping once my balance was positive. 

Currently, my account balance is XXXX, of that {$3500.00} is in OVERDRAFT CHARGES!! I have asked them to remove those charges and I can then make arrangements to get the account to a {$0.00} balance so the account can be closed and I can cease doing business with them. Basically, get out of their hair! They said once I get the balance at a XXXX, they will discuss the OD charges. Seems to me they want me to XXXX out the account, then tell me tough stuff. 

My attorney says I have a potential claim against them since they have potentially violated certain banking laws. This is causing me tremendous stress, which adds significantly to the stress I already have concerning other financial issues. I need help, fast!