davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK (CA)

I received a letter from Gateway, the title of the letter states Escrow Checks. There was over a {$900.00} surplus as of XX/XX/XXXX ; however, Gateway mortgage never sent me the escrow surplus check. It was sneaky how they titled the electronic escrow letter as Eacrow check but did not send to me. Rather, they transferred my account to a new serviced and said I have to speak with the new serviced about the escrow surplus check. Why is that since Gateway Mortgage serviced my loan the entirety of XXXX and even prepared the Escrow Analysis for XXXX.
Consumer complaint received 2022-09-16
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (TX)

CREDIT KARMA PERFORMING HARD CREDIT PULLS CHECKS AND CONSTANTLY STATING PREQUALIFIED OFFERS FOR CREDIT CARDS THAT ARE CONSTANTLY DENIED AFTER THEIR STATEMENT OF 90 % APPROVAL AND CARD OFFERS COMING WEEKLY WITHOUT WARRANT OR APPROVAL. FALSELY RECEIVING CREDIT CARD OFFERS THAT HAVE AFFECTED MY CREDIT SCORE FOR YEARS.
Consumer complaint received 2022-09-16
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. (MA)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Consumer complaint received 2021-03-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC. (VA)

The account reporting on my credit score is closed and it is " fraudulent '' and should not be reporting on my credit score. I want this account " DELETED '' from my credit score ASAP or me and my attorney will be taking legal action.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Dear CFPB My name is XXXX XXXX and my social security number s XXXX. My physical address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I have requested on multiple occasions from Equifax to re-investigate the Public Record : Personal Bankruptcy XXXX filed XX/XX/2009 ( older than 10 years ) to be removed their reporting. I reported on multiple occasions that the report show multiple in accuracies in which they have never have confirmed through the courts? XXXX does not show this Bankruptcy, Other 2 Agencies have since removed XXXX and XXXX. They refuse to follow through with these requests and rely on old data that was inaccurate in the first place. Please help in resolving this request. 
Thank You, XXXX XXXX
Consumer complaint received 2019-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Lenders Investment Trading Corp (FL)

I am a XXXX. My clients ( Buyers ), who are personally my friends for over 20 years went to RP Funding to get a pre-approval letter for a home mortgage loan. The person who assisted them, XXXX XXXX asked them if they had a Realtor. They answered yes. This lady crossed the line and told them that if they used one of their Realtors they could save money and they will pay their closing costs. They felt their back against the wall and of course when people don't know they thought it was a great deal. My buyers were ready to put an offer on a property they liked. My friend called me to tell me what happened and said that they ended up putting the offer with the other Realtor. This incident happened between Wednesday afternoon and Thursday. I spoke to my friend on Friday and found out their offer got accepted. I am shocked, everything happened so fast. I still can't believe how this lady stole my client. Who would want to refer a client to RP Funding after this? The Realtor representing this transaction is XXXX XXXX. The agent who showed the property is XXXX a guy from XXXX and XXXX XXXX ( loan officer ) is the lady who spoke to my clients. RP Funding, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Collection Agency : PHNX FINAN Original Creditor : XXXX XXXX XXXX Amount : {$790.00} Status : Open Opened Date : XX/XX/2018 I am being billed for medical services rendered by " XXXX XXXX 's Emergency Hospital. '' I am XXXX  years of age, meaning I am not even eligible to be treated or billed by XXXX XXXX 's XXXX facility! I have never been the parent or guardian of a child in my life. I am single with zero children. I have never cared for any child, nor have I lived in any home in which a child has even cohabitated! I do not understand how/why I am being billed for services from a facility that is literally IMPOSSIBLE for me to have even acquired a single cent of debt, let alone {$790.00}! I've mailed the collections agency in reply to their debt collections correspondence, and replied to original correspondence regarding any debt related to XXXX XXXX XXXX XXXX directly to the billing facility, as these are clearly, simply not possobly correct. These attempts to collect charges for bogus services I am clearly, simply unable to incur have tarnished my credit. I've replied to creditor and the facility, but received no response. I disputed this debt via aXXXX dispute which somehow returned a decision that they had found these debts to be valid even though they are simply impossible for me to incur via my age and lack of children.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX   Alert shows my XXXX XXXX as " Settlement ''. I never signed a settlement nor verbally agreed to one. 

2 ) On XXXX my Bank of America account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

1 ) On XX/XX/219, I received a Credit Alert from XXXX. XXXX Alert shows my OneMain Financial as " Settlement ''. I never signed a settlement nor verbally agreed to one.

2 ) On XXXX my XXXX XXXX XXXX  account shows a balance of {$2400.00} however I paid {$25.00}. The account should show a balance of {$2400.00}.
Consumer complaint received 2020-09-15
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. (CA)

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'm 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 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

Repeated robo calls for a debit owed by XXXX XXXX, number being called from is XXXX, last call XXXX XX/XX/2019 at XXXX hours, do not know who he is or what he owes but the phone that keeps being called is my telephone number XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2024-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

I was provided an ETH and BTC claim code from XXXX to use at either VENMO or Paypal. 

When I tried to use the codes at VENMO there is an error and it will not let me use these claim codes. 

I contacted support multiple times. They have told me it's an issue on their end but have not provided me any updates on a resolution. They tell me to keep trying to use the claim codes. 

When I attempt to use the claim code inside the VENMO app on XXXX, it displays a screen which states " Documents in review. We'll review it within a day. '' It has been 2 weeks and this issue has not been solved.
Consumer complaint received 2022-09-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NH)

On XX/XX/2021 Simple Bank closed operations and transferred all accounts to its parent bank, BBVA. Since that time, my account has been inaccessible. Trying to register for online banking with BBVA tells me there was a " system error '' - further attempts tell me my account has already been setup elsewhere. The automated customer service phone line hangs up on you. 

XX/XX/2021 attempted to access new BBVA account in accordance with their instructions emailed prior to the transition. Didn't work. 

XX/XX/2021, new attempts to recover a password, remember a username, register for online access or even TALK TO SOMEONE on the phone were unsuccessful. The error message on the website when trying to access online information says to call a phone number. That phone number plays a recorded message that something is wrong, and hangs up on you. 

This is completely unacceptable from a bank. 

All their communication has been done via XXXX, and none of it is true. They have said that the call center is open and stable, and it is not. It just hangs up on you. 

At this point, I have no visibility into my account or access to any money.
Consumer complaint received 2022-11-21
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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. (CA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-16
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (AL)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2014, XX/XX/2014, XXXX XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XXXX, XX/XX/2014, XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-07-30
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. DPTEDXXXX XXXX {$760.00}
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

As per the FDCPA a debt collector is not allowed to disclose or willingly give up the company name in regards to the debt they are trying to collect and XXXX XXXX did to my friend, my old roommate. I have the call recorded and it comes to my understanded I should be compensated for this and them fined. Please start your investigation and allow me to send you the call. 

XXXX XXXX
Consumer complaint received 2019-04-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE (IL)

Huntington bank has refused to close my account in good standing after I withdrew all my money. The problem has gone on so long that I was charged a fee and my account became delinquent. Today I left work early to go to a branch and pay this unfair fee, however they can not close the account until the check clears ( which is fine ). They have no branches open evenings or Sundays and I will be unable to return to a branch before the next fee is due. I need some way, mail, online, or on the phone, to close my account. I have never had a bank refuse to close my account and charge me a monthly fee while they make the process unreasonably lengthy.
Consumer complaint received 2019-04-05
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CNG FINANCIAL CORPORATION (NM)

I was unaware of my account was check n go was sold two different times. It was paid in full {$3900.00} to XXXX XXXX and XXXX. The original Balance was XXXX with Check n Go. 
Open date was XX/XX/XXXX. It is showing negative status as it has been paid in full as of XX/XX/XXXX. And still has a negative status. I am trying to at least get it to show " Paid in Full in Collections ''. I have call 4 total companies about this account. And seem to get no where.
Consumer complaint received 2021-02-08
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: TD BANK US HOLDING COMPANY (MD)

I believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

Td bank has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.
Consumer complaint received 2018-04-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (MI)

I have been attempting to get documentation regarding my payment history from Discover Student Loans. I first requested the documents in XX/XX/XXXX due to a change in the way the payment history appeared on my online account. That confirmation number was # XXXX. Documents were supposed to be sent to my mailing address. 

I never received the documents, and called again in XX/XX/XXXX. That confirmation number was # XXXX. I was told at that time that the paper documents were sent out in the mail to me on XX/XX/XXXX, but I never received them. I confirmed my mailing address. The person I spoke to informed me that the documents would be mailed again. Again, I did not receive them. 

I called again on XX/XX/XXXX to inquire about the documents. I was told at that time that the documents had been mailed to me in XXXX, though I did not receive them. I gave my email address and was told documents would be e-mailed to me within the week. I never received them. 

I called again on XX/XX/XXXX to inquire again about the documents. I was told at that time that the documents would appear in my online account within 48 hours and that a customer service representative would call me on XX/XX/XXXX, to confirm receipt. I was given confirmation number # XXXX. I received neither the documents nor a phone call confirmation. 

I called again on XX/XX/XXXX. Discussions with the customer service representative appear to indicate that these documents were never, at any point, prepared, even though I was told in XXXX and on XX/XX/XXXX that the requests had been fulfilled. I have now requested my complete payment history documentation four times and spent six months attempting to receive them. I was given confirmation number # XXXX for a new request. The incident number for the phone call itself was # XXXX. I was told that the requests actually never went through because " they were selecting the whole account, and they have to be selected loan by loan. '' I once again gave my email address and was told that I would receive the documents within 3-5 business days. I said that given that I had already spent six months attempting to get these documents, this was unacceptable, and I wanted them emailed to me today. I was told that was not possible.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

Please see attached. This account was included in bankruptcy. Shows as a closed account with a current past due amount of {$200.00}. Presents as " current negative payment activity '' as of XX/XX/2018 which is affecting my credit score.

I have disputed this online and have sent requests to the creditor. All of my accounts with this creditor were re-affirmed and are current or paid off.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX  XXXX {$91.00} XXXX  XXXX {$3900.00}