davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

They debt was disputed twice sent letters to the company asking to validate debt asking to show proof of services rendered and yet have to receive anything. Called several times and no one seems to care or look at the dispute. One representative will say we are still looking at it and the next said we sent you something already within the same day.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (FL)

I have XXXX accounts with Truist Bank, Formerly Suntrust Bank. XXXX is a mortgage the other is a checking account. During the merger I can no longer access my checking account online. My mortgage account is there but not my checking account. I can't move money around, get my balance or use a debit card. I have tried calling Truist Bank, on hold for hours, gave up. Went to branch offices, wait time was an hour to see someone. Went to another branch office after speaking to a person, she was able to access my checking account and print out a copy of my last statement. This took her 20 mins. She did not have the ability to fix the online access. So if I want to find out how much or if there is any money in my checking account I would have to go to this branch office, wait for 30 or 40 minutes to speak to someone to have them tell me whether or not I am overdrawn, low balance or no balance. I have moved most of my money to another bank, but since I am never sure of exactly how much is there I can't close this account. Truist has got to be the worst bank I have ever dealt with. 
I am XXXX XXXX XXXX and don't need this XXXX.
Consumer complaint received 2018-04-28
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. (FL)

I was co-signing a car for my son, I was told that my credit wasn't going to be run more than once. I asked them to send the loan application to XXXX XXXX  I specifically asked that my credit not be ran because it was result in hard inquiries on my account lowering my credit score. The people at XXXX XXXX assured me this would not be the case. But the following day I saw on my XXXX XXXX report 5 new inquiries from they used to run my credit. I'm upset because I requested this not to happen and now I have tried to file a dispute with XXXX and transuion. But I am unable to proceed.
Consumer complaint received 2016-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I am writing to inform the CFPB - and consumers around the world that : 1. ) Scottrade Financial Services was warned, on multiple occasions, from employees and outsiders, that their database and securities systems lacked the most basic protections - Scottrade Financial Services ignored these tips and as a result over XXXX customers has their most sensative personal information exposed in a very preventable cyber attack. 

For anybody who was a victim of this breach, a cybersecurity researcher, or a consumer policy advocate, you may obtain detailed documents of the multiple warnings I, and others gave Scottrade by submitting Freedom Of Information Act requests to the SEC, OCC, and CFPB for complaints made against Scottrade Financial Services. These complaints started XX/XX/XXXX and continue until XX/XX/XXXX. Keywords to help with the search may include, " cyberattacked '', " account takeover '', " hacked '', " XXXX '', " cybersecurity '', " unencrypted '', " stolen '', etc. A very limited number of these documents can be obtained by searching for " Scottrade XXXX '' on XXXX.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequoia Financial Services (CA)

Hello, This is a formal complaint against Sequoia Financial Services. The debt collection of {$7500.00} has been attempted to be collected on multiple occasions even after the request to stop. I have called every month on the 1st for the past 6 months to ask to please stop calling other people around me. I have recently been denied a job opportunity during this extremely hard time during a pandemic due to the negative collection amount from this debt collector. I have gotten word from relatives and other co workers that Sequoia Financial has continued to get information from a third party for me to pay the debt. Violating their privacy and others. Under the Hippa law protection, Sequoia has violated the terms of this law in trying to collect a debt and providing information that has not been authorized by me. I have been denied a position to survive in these troubling times. At this point I have contacted a lawyer and we are prepared to sue for defamation of character and for punitive damages. Sequoia Financial has violated laws in trying to collect a debt. They have broken the rules when trying to collect a debt.
Consumer complaint received 2024-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC (IL)

I opened my mortgage with UWM in XX/XX/XXXX and setup an escrow account. In XX/XX/XXXX, I received a property tax sale. I logged in and looked and it shows the bank was collecting escrow from me, they did " pay '' my taxes, but the money was always returned to my account. Then supposedly they sent me an escrow overpayment check, which I never received. I called the bank before the sale date in XXXX, and they said they will fix it. I saw the Tax sale took place on XX/XX/XXXX. My taxes have not been paid at all for XXXX to present. The mortgage company even lowered my monthly payment supposedly because there was too much money in escrow, and now when I add up how much I owe for XXXX, XXXX and now XXXX, and calculate how much money i paid in escrow, I would still be short {$4100.00}
Consumer complaint received 2022-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

NewRez LLC dba Shellpoint Mortgage Servicing services my home mortgage. They fraudulently have added lender-placed insurance on my account for months, charged me for it, and refused to remove or refund it. My own personal insurance information has been provided on emails dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint is deliberately unresponsive and unclear about why lender-placed insurance was placed on the account in the first place. Shellpoint is not operating in good faith to resolve this issue and continues to fraudulently charge me for lender-placed insurance.
Consumer complaint received 2021-10-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have disputed numerous of times through the credit reporting agencies and directly to the company to no resolve. I have asked for this negative reporting to be taken off the credit reports as it is my right by law for them to not report this while in dispute. I have sent a letter of cease and desist. I have asked for Portfolio to show contractual obligation directly between me and them and said creditor with me. I have not received any wet signature showing such agreement between all parties involved. I have nothing to do with Portfolio buying bad debt from XXXX XXXX. My right to privacy has been stricken by XXXX giving my personal information to a third party company who has costed me much anguish. 
I sent them an affidavit in truth and they did not respond to the line items. They ignored to answer to it and it is my right that an unrebutted affidavit stands as truth in commerce. I was denied a loan for my daughter 's education due their negative impact upon my credit report on XXXX, XXXX, and XXXX. I need this off my credit report. I do not owe Portfolio Recovery Associates, LLC any monies as I never conducted any business with this company.
Consumer complaint received 2022-02-06
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: LEXISNEXIS (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2023 my Capital One card was used at several stores in the XXXX, Louisiana area coming to a total of {$2400.00}. This total includes charges from XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX and XXXX, etc. Capital One instructed me to dispute the transactions as they posted so that total was reported in 4 different claims. One of the claims was originally disputed ( later reversed ) however I was told to wait 10 business days for the decision on the 3 other disputes. After calling Capital One several times within the 10 days, an employee informed me that the rest of the claims were declined. I have proof that I was at work while these transactions were made and did not approve them. Capital One claims that the transactions match a pattern however I have never spent {$1000.00} at one XXXX in separate transactions ( that I contacted XXXX and found out were gift card purchases which is a common scheme in XXXX XXXX ). I am truly appalled that my first and only bank would not even bother investigating transactions that I did not make. Its absurd and needs to be investigated.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been an authorized user on a XXXX Account and can not see it on my credit report I have notified XXXX and Transunion and they keep sending me back and forth on the situation I just want it that when I use the card and make ON -Time payment that it shows on my report as well. Can someone Please help me get the XXXX account added to my report
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX - Account # XXXX. The incorrect reporting of this account have violated my rights. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The credit bureaus are reporting this account as a charge off with 51 late payments, which in INCORRECT. I have forwarded several certified letters to the bureaus with supporting documentation requesting a thorough investigation and they have failed to do so. This act is causing me unnecessary financial hardship.
Consumer complaint received 2024-03-04
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)

I am writing to dispute inaccurate and unauthorized information on my credit report, which violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I did not authorize XXXX, XXXX, or Equifax to include the following accounts on my report : 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  The open dates , dates of last activity, and other details for these accounts are incorrect. Under 15 USC 1681i ( 5 ), credit reporting agencies must modify any inaccurate or unverifiable information on a consumer 's report. 

Furthermore, including these accounts without my consent violates : - 15 USC 1681 section 602A, my right to privacy - 15 USC 1681 section 604 A section 2, which prohibits furnishing an account without written consumer authorization - 15 USC 1681c ( a ) ( 5 ), which limits reporting adverse information over 7 years old - 15 USC 1681s-2 ( a ) ( 1 ), which prohibits furnishing known inaccurate information Additionally, repeatedly contacting me about these alleged debts at my place of employment violates 15 USC 1692c , which prohibits communication at an inconvenient time or place. Contacting my family members about these debts violates 15 USC 805 ( b ), which prohibits communication with third parties. 

I request that you immediately delete these unauthorized accounts from my credit report to ensure accuracy and compliance with the FCRA. Please provide me with an updated report reflecting this correction. Accurate credit information is essential for me to obtain credit and employment, and I appreciate your prompt assistance in resolving this dispute.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (CA)

I was contacted by phone on XX/XX/2021, repeatedly from phone number XXXX. They left several messages in reference to a " debt owed and this was an attempt to collect a debt. '' I called the number back and the agent had my correct birth date, and talked about an address on " XXXX XXXX XXXX, in XXXX XXXX, CA. '' He was talking so fast, I could not write down the entire address. I was really surprised to be contacted on my cellphone as well. 

I am the victim of prior identity theft, and this must be another event with that happening again. The agent demanded more personal information from me, obviously which I refused because this seemed like a total scam with the unprofessional manner with which they were acting. 

Not only was this not me, I have never even been to XXXX XXXX, in my life. When I mentioned fraud, the agent started yelling at me in a non stop tirade that I could not decipher, I kept asking for a manager or supervisor, and he was angry that I was interrupting his tirade of non-information. I feel like the call itself was some sort of scam. I have no current alerts to any activity on my credit report. I was trying to get the name and contact information of the caller, but he would not let me talk. I followed up this harassing phone call with a call to update my ID theft case with my local police department and I'm waiting on further instruction from them on how to proceed with this new incident. 

I called back a second and third time to hear the company name at XXXX and XXXX XXXX  and talked to another agent who refused to give me his name, but gave me their address and main contact number.
Consumer complaint received 2022-02-25
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. (WI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my tXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma (NJ)

On Thursday, XXXX XXXX2022, I AUTHORIZED Credit Karma to close my savings & checking account and send remaining balance in form of a cashiers check. They said I must complete a series of questions via email first. I called multiple times on Friday, XX/XX/2022 for an update on closing of my accounts and was told that they cant close my account at this time and dont know when theyll be able to. I asked to speak with a supervisor on two different occasions to my right to know and investigation on the matter, and they hung up on me multiple times. Credit Karma will not allow me access to my money from my savings account of {$1700.00} and as a consumer who credited the bank and loaned the bank funds I have every lawful right to authorize closing of my account immediately and the returns of my funds. This is causing mental, financial and emotional injuries to me and my family.
Consumer complaint received 2024-02-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC (GA)

1. XX/XX/XXXX ; I called and spoke with XXXX XXXX as I had asked for call escalation and he was the Incredibly unprofessional CEO that answered my request for call escalation. 1. I was requesting to have all loan documents from previous Servicer emailed or sent to me. In edition, I asked who the Investors standing behind my loan were. I was briskly and rudely informed that this was Private Information that could not be disclosed. Note : the loan documents that I signed on XX/XX/XXXX showed that it was a Fannie Mae backed loan / Miraculously, it is now being held by Private Investors, which I find terrifying, to say the least. XXXX XXXX did agree to email me the documents. Woah, I have snapshots of what was send. Email number 1 contained my deceased husbands signed loan. He was the sole owner of the loan whilst living, but passed away XX/XX/XXXX whilst he had his mortgage in forbearance. There was no other documents in this group that contained my name or signature. Email number 2. from this same XXXX XXXX contained loan documents of a woman with a XXXX XXXX XXXX Virginia address. I would call this a huge Security Breach, and it terrifies me even more. Who are these people serving mortgages and hiding behind an LLC? Might they make a similar mistake and share my information with a stranger ( in error ). 2. When I called back to inquire, I received a call center in XXXX. No Joke. I have also emailed him regarding this critical error, asking him you he advise I proceed. I have not gotten a response. At this point I am complaining and hoping for resolution via this .gov site. Lastly, it is XX/XX/XXXX and I have no tax documents. Please help me work through these critical issues. Every call I now make ends up at a XXXX Call Center. I might add they are an extremely professional group.
Consumer complaint received 2021-10-28
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: Resurgent Capital Services L.P. (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2021-10-28
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: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Consumer complaint received 2022-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I am not swayed that the bureaus has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both the bureaus and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}