davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-25
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. (TX)

FTC Violations Name is not correct : XXXX, XXXX, XXXX Never lived at following addresses : XXXX HURSTSHIRE BD XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Never worked here : XXXX B BTCHR ND RSTRN B XXXX XXXX XXXX Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} REGIONAL ACCEPTANCE- {$20000.00} FREEDOM MORTGAGE {$1700.00} XXXX XXXX {$13000.00}
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (AZ)

My account from XXXX for approximately {$200.00} went into delinquency around XX/XX/XXXX and ( I believe ) into collections around XX/XX/XXXX. I paid XXXX XXXX, XXXX {$110.00} as an agreed settlement back in XX/XX/XXXX. However, they have reported back onto my credit reports as a new collection as of XX/XX/XXXX. I need them to remove this from my credit reports as this was paid, as mentioned above, on XX/XX/XXXX. This is reporting as a new collection, which is affecting my score. Again, it is imperative that the company remove this reporting.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (SC)

On XX/XX/XXXX I returned shoes purchased online through XXXX. I have purchased from this online retailer in the past and have also made returns with No encountered issues ever before. I have always used the same account to pay. On this occasion I used XXXX pay - but all of my XXXX services and XXXX account are linked back yo the same checking account/debit card. 

However on this occasion after I dropped off the shoes at XXXX per XXXX return mechanism, I later got an email stating that my refund had been declined. I spent over an hour on the phone with XXXX and also contacted XXXX pay who both felt that my bank was the issue. 

At no time did I receive any sort of verification request from my bank for the transaction- as banks do with suspected fraud. Nothing via phone text or email from Ally ( my bank ). 

I called Ally ( my bank ) this morning and the representative, although very polite, offered no real explanation as to why this had happened or assurance that it would not happen again. It was not until 45 minutes into the conversation that she honored my request to speak to a supervisor who I knew could at least maybe escalate the complaint. The supervisor was again very polite and did say it was declined for suspected fraud - but could not answer why I was not contacted to verify the transaction. 

I know that fraud protection exists to protect the consumer but in this case I, the consumer, have been hurt by this. Due to XXXX policy of not issuing a second refund I have to wait 8-12 weeks for a paper check. This could all have been avoided if someone would have put the customer first. 

Because of this mess and no one willing to take ownership I am out of pocket almost XXXX XXXX for 8-12 weeks, which is unacceptable. For some people that amount of money would be the difference between being able to eat/pay rent or not. It is a lot of money and could be earning interest. 

Ally should have a more humane process to verify suspected fraud if that is the case. I could have verified this in a manner of seconds had they contacted me instead of arbitrarily deciding that the transaction was bogus with allowing me no input. They certainly did not hesitate to take the money out of my account on the purchase end. 

Since Covid I do not like to go into public or stores unless I have to. Besides, I have difficult to fit feet and needed shoes for an event. As Ive done in the past, I ordered some and sent back what did not work. 

Again, Im a victim in this case.
Consumer complaint received 2023-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been trying to get this derogatory ( Collection/Chargeoff ) off my credit report for months. I have sent in 5 disputes, and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I have two mortgage loans with Carrington Mortgage Services. The company purchased the 20 year old loans from XXXX XXXX XXXX about two years ago. They reported these loans as 30 days late when there was a problem with their website after I had paid online. That was approx a year ago. Last month I paid payments on both loans on the website as I do every month and they were paid prior to the due date. Last month I went to pay early for XX/XX/XXXX payments and one of the loan shows it was not paid for XX/XX/XXXX. Once again paid both of the loans at the same time on line and got email confirmation of receipt. I called and asked why, they said bank returned the payment, which was a total lie as the bank did not return anything since there was 100 times more than the payment in the account. I called Carrington again, now they have different story after I told them bank did not return pmt, and turns out there was one digit off in the automated system on one account and correct on the other account so the payment did not go through. I was NOT contacted this payment didn't go through or I would of paid it again sooner as I did the moment I found out. I told them this should not be reported to credit agencies as I was not notified. They refused. Further, I have contacted them two times in writing as they are reporting these loans under my name when in fact these loans have been in the name of a corp since loan was made, I mailed them letter and proof the properties were purchase in corp name and so were the loans since day one 20 yrs ago. I faxed and mailed the letter and supporting documents a month ago and again zero response. They should not of ever been reported on my credit. They refused to correct this, not once but twice now.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ), # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX ( Original Creditor : 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 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services (VA)

On XX/XX/XXXX, I called Lendmark Financial Services via phone, spoke to XXXX at the Credit Bureau Information desk. Lendmark was erroneously reporting information to all three credit bureaus that they did not receive payment for XX/XX/XXXX which I immediately disputed. I spoke to both the supervisor and XXXX at Lendmark, submitted supporting documentation that proved all payments to Lendmark were paid on time and my account was in good standing. I was assured by both XXXX and the supervisior that the error would get corrected with all three credit agencies. It is XX/XX/XXXX, XXXX is still reporting that I missed a payment. In fact, there was a third party vendor that was making payments on my behalf, my account was transferred to a different company. As a result of the transferred account, the XX/XX/XXXX payment was submitted to the wrong address, was corrected in late XX/XX/XXXX. Again, after explaining the details to both XXXX and the supervisor, I was again assured that the derogatory flag on my XXXX report as well as the other reporting agencies would get corrected. I have repeatedly reached out to XXXX several times to resolve this matter amicably, the matter has gone unresolved. Any assistance you can provide with regards to this matter, would be greatly appreciated.
Consumer complaint received 2018-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Per the attached correspondence, XXXX submitted a request to Equifax to remove the hard inquiry from XXXX XXXX dated XX/XX/2018. 

It has been more than 30 days since the request was submitted, but the hard inquiry is still showing up on my account.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX XXXX Account # XXXX, Account # XXXXXXXX XXXX # XXXX and XXXX XXXX have 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 2018-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (CA)

I have had this card for 5 years and during that time paid it off multiple times. Wells Fargo has never lowered my interest rate and never offered me a promotional rate. They refuse to lower my rate and never give me a reason why. They keep telling me my account is reviewed periodically for promotional rates or to lower my rate, that is a lie! My account is never reviewed. My credit and history deserves a lower rate on this card.
Consumer complaint received 2018-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I WILL NOT ACCEPT THE COMPNYS RESPONSE, I ASK TO BE REINSTATE D ON MY TRIAL PAYMENT, I WAS IN THE HOSPITAL, AND AS FAR AS THE RETURNED CHECKS, I HAVE A PROBLEM WITH YOUR SYSTEM, IT DOES NOT ACCEPT MY XXXX XXXX ACCT, IT WILL ONLY ACCEPT MY SAVINGS ACCOUNT AND AGAIN I WAS IN THE HOSPITAL AND COULD NOT GET TO MY BANK, I HAVE TOLD YOUR REPRESENYTIVES THIS ON SEVERAL OCCASIONS, PLEASE HELP ME, I WAS IN THE HOSPITAL, I NEED TO KEEP MY HOUSE AND CAN PAY TODAY ALL 3 OF THE TRAIL PAYMENTS, I AM A VETERAN, I HAVE XXXX XXXX AND AM XXXX, I HAVE NO WHERE TO GO, I WILL BE GOING TO THE MEDIA AND TO MY CONGRESSMEN, I NEED YOUR HELP AND AM JUST ASKING FOR YOUR HELP, ALSO WHAT HAPPENED TO THE SUPERVISOR WHO CAUSED ME PROBLEMS SAYING THAT MY HOUSE WAS BEING SOLD ON XX/XX/XXXX, PLEASE PLEASE PLEASE PLEASE HELP ME, I CAN SEND YOU THE WHOLE 3 MONTHS OF PAYMENTS TODAY
Consumer complaint received 2018-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: NAVY FEDERAL CREDIT UNION (MD)

I had a ( NFCU ) Navy Federal Credit Union GoRewards Master Card that I open in XX/XX/XXXX and had enrolled in their Payment Protection Plan sold and enrolled by ( NFCU ) Navy Federal Credit Union and administrator by XXXX XXXX XXXX in XX/XX/XXXX and had maintain coverage during the life of the account the cost for coverage was {$.00} per every {$100.00} of the monthly balance. The program was sold as a insurance program offered by NFCU that covered death, disability, and or involuntary unemployment. Details are that this coverage would make the monthly payments during the coverage event and its duration and would pay off the account balance as a full debit cancellation in the event of death and or disability. 

In XX/XX/XXXX I was involved in an auto accident that caused me to become XXXX and unable to work and return to work I was on XXXX  and XXXX  until XXXX XXXX and Under Social Security Administration I was deemed XXXX XXXX XXXX XXXX and because eligible for  XXXX benefits. XXXX had some delays in benefits award and payment and wasn't resolved until XX/XX/XXXX. 

XX/XX/XXXX I initiated the claim and again resubmitted medical information on XX/XX/XXXX for that claim. I had file a claim through NFCU and its payment protection plan serviced by XXXX. According to some records, XXXX and NFCU applied some payments under the plan that were in consisted with their payments and coverage from XX/XX/XXXX to XX/XX/XXXX and then close the claim with no reason and in breach of the terms and conditions and coverage that was offered. NFCU further the breach of this sold and paid for service by pursing addition financial account charges and fees in addition to the negative reporting of the account and collection reporting and actions on this account when it was a coverage event under the terms it was sold and purchase to me and the debit was to be canceled by NFCU and XXXX  under the XXXX debit cancellation coverage program. 

NFCU and XXXX failed to provide the service sold and purchase under this plan, coverage, and benefit for cardholders and members. Which is not only a break in contract but also a violation under the Fair Credit Reporting Act ( Reporting Inaccurate Information ), the consumer protection act ( Providing a level of protection as their customer, and being billed for services that are not being render ), fair debit collection practice act ( Collection on a debit that isn't correct ), Fair Credit Billing Act ( Billing and Charge for services that were not fully render as agree ) and possible other regulations. 

This issue has gone unresolved and the debit has yet to be cancel as per the terms of the program. 

I have some supporting documentation to provide in regards to this matter.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (GA)

I applied for a Discover credit card near the end of XXXX of this year, 2022 and was sent a denial dated XX/XX/2022 ( violations of 15 USC 1611 and 15 USC 1691 ).
Consumer complaint received 2022-06-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have written twice since XXXX to Trans Union for the to validate Two collections that seem to just be reported by them first is by XXXX XXXX XXXX # XXXX for {$990.00} and second is by XXXX  XXXX XXXX XXXX for {$160.00} and they havent responded I certified mailed them a letter asking them to please removed if not certified and they havent responded I did received back sign confirmation that they received my letter but nothing else
Consumer complaint received 2020-07-25
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: Experian Information Solutions Inc. (WI)

THESE COMPANIES ( Experian, a XXXX, and XXXX ) HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1. INACCURATE and 2.  UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Consumer complaint received 2018-12-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (VA)

I made the mistake, as Im sure others have found the hard way, that XXXX XXXX offers no consumer protection despite being affiliated with major banking institutions ( such as mine with Suntrust ). Unlike XXXX, if you initiate a payment to someone who turns out to be defrauding you, there is no recourse. Even if you become aware of the fraud within minutes, not days. 

I never used XXXX before, and I can tell you I never will again for this very reason. I was buying event tickets today ( XX/XX/XXXX at XXXX EST ), the guy showed me the actual ticket purchase via XXXX by including a screenshot in an emai, and he said he would immediately transfer them via XXXX once I paid him via XXXX . I told him I never used XXXX before, and he told me how safe it is since its offered by major banks as a service offering. I naively thought my bank ( Suntrust ) would stand behind me if there was any kind of impropriety ; that is not the case. 

I have a name, address, cell number, XXXX account name and affiliated phone number, a screenshot of the XXXX purchase transaction, and texts and email exchanges documenting everything. 

Im a mother of XXXX kids with XXXX XXXX who wanted to see a comedy show with a friend as our XXXX gift to each other. I needed just a night of lighthearted laughter, since I dont have a lot of it in my life. Instead I spent every last dime I had to spare, {$140.00} to be exact, to line the pockets of a scam artist via an app my own bank endorses and supports. 

XXXX and Suntrust Bank offer zero Consumer Protection or recourse against Fraud when using this money transfer app. 

XXXX XXXX
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?
Consumer complaint received 2022-08-26
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. (GA)

See attached TransUnion and XXXX still reporting a deleted account from XXXX and theyre reporting my privacy without my written wet ink signature of consent. 

Pursuant FCRA 623 ( a ) ( XXXX ) which says furnishers of information have a duty to correct and update information, it also says they must notify " CRA 's '' of any corrections to the information that they initially reported to them.
Consumer complaint received 2022-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX Bank just responded to my XXXX  complaint & agreed that the account being reported does not belong to me. Why is Equifax XXXX XXXX continuing to verify it instead of deleting it. This has exposed both credit bureaus as being corrupt & wanting consumers to stay in a bad credit cycle. Im already planning to file a lawsuit but if this isnt fixed even by providing proof from the creditor that the information is inaccurate then I will be suing federally instead of locally.
Consumer complaint received 2023-03-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC (NV)

This complaint is being filed against the FHA, concerning the Estate of XXXX XXXX XXXX XXXX XXXX XXXX, Ill. XXXX Case # : XXXX, was assigned on XX/XX/XXXX After our original request for payoff information on a Reverse Loan. since my mother XXXX XXXX, the homeowner had passed away on XX/XX/XXXX, without a will and we wanted to sell the house . We were told an Executor would have to be appointed by the court since there was no will. 

I was appointed Independant Administrator and on XX/XX/XXXX, I submitted to NOVAD management Consulting the following documents, Letters of Office-Decedents Estate , order appointing Representative 's Estate-intestate and a copy of the death certification, along with a six month request for extension. 

No reply was ever received. 

On XX/XX/XXXX, I again called FHA with My request for payoff information and was told there was no record of my prior contact and no reference to the case number and no record of documents having been received. I was once again asked to submit documents along with a Third-Party Authorization for release of records/ information. 

on XX/XX/XXXX, I sent requested document by certified mail along with Letters of Office - Descendant 's Estate and Order Appointing Representative, to U.S. Department of Housing c/o NOVAD Management . The package sat at the post of for days as it had been non deliverable. It was finally picked up, date unknown, but there was never any follow up. 

On XX/XX/XXXX, I called FHA again and was told there was no notes on prior contact and that NOVAD no longer held the loan for this account which was now being held by XXXX , again I was asked to submitted documents. 

At this point I contacted my attorney who in turn submitted court documents to FHA XX/XX/XXXX. They included Letters of Office-Decedent 's Estate and Notice of Probate and Release of Estate Interest in Real Estate . 

On XX/XX/XXXX, FHA responded by requesting documents in a PDF form this time with wet ink signatures, In the mist of these two potential buyers have pulled out of home sale deals because I failed to provide pay off documents. 

I can not sell a home when I do not know how much is owed on the loan. 

The property has now gone down in value as a result of two flooding incidents and the home being vacant for over a year, Please help me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nv. XXXX XXXX