davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: E*TRADE BANK (CA)

Hello,

Thank for your time.  On Friday XX/XX/XXXX attempts to transfer funds to two of three accounts held at Etrade Bank.  Upn not being able to transfer funds either by ACH (check) or Direct Deposit i phoned customer service.  The rep stated the accounts were in the process of being closed and refused to provide any explanation for the closures, and also wouldn't provide a supervisor whom could more insightful explanation of the situation.

With phone calls to the customer service dept. who refused to provide  any explanation or answers as to why the company abruptly closed and blocked the accounts I found the accounts open online through the online banking site end of the company.

From the Online banking site, a request as follows:

START----------->
Sent: XX/XX/XXXX XXXX XXXX
Reference Number: XXXX

Customer Service Message:


Dear XXXX XXXX,

Thank you for your message regarding your account.

At this time E*TRADE has chosen to no longer do business with you because there has been abuse of this account and known fraud. As a result this account will be closed. 

Should you have additional questions, please feel free to respond to this message or contact our Customer Service team at XXXX (+XXXX XXXX). Our representatives are available 24 hours a day, seven days a week.

Sincerely,

XXXX XXXX
Sunday - Wednesday XXXX - XXXX ET
XXXX (XXXX)
Associate Financial Services Representative
E*TRADE Securities LLC
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pollack & Rosen, P.A. (FL)

Hello I've been requesting complete statements from Pollack & Rosen for months. They continue to send me incomplete documents. I've requested the documents ( via letters and phone calls and voice mails ) to verify the amount owed. The statements show page 1 of 2 and all I get is page 1. I need to review and confirm the amount. If they aren't able to provide me complete information than the debt can't be verified. Per the company letter they stated they responded to me with the information they are required to provide under the FDCPA. This isn't a true statement. Please advise my next course of action.
Consumer complaint received 2018-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (IL)

Some random XXXX debt appear in my credit score saying it went to collection. I have NEVER been a client of XXXX XXXX XXXX I was a victim of identity thief when XXXX had their security breach and this was how they got my identity. This debt is not mine and is ruining my excelent credit. My name is XXXX XXXX XXXX and I live in Illinois, I haven't even been in the state where this debt is coming from. Please fix this as soon as posible because I will be in the process of buying a property and this will hurt my chances of getting it. 

Please contact me via email : XXXX XXXX
Consumer complaint received 2022-02-28
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (DE)

On XX/XX/XXXX, my mortgage loan was transferred from XXXX to Mr. Cooper. I was not made aware of this transfer. 
On XX/XX/XXXX, I utilized bill pay via my XXXX XXXX account to pay the XXXX payment to XXXXXXXX XXXX for {$2100.00}. 
My XXXX statement from Mr. Cooper came to me showing that I had missed XXXX 's payment. 
Since XXXX, I have been working with Mr. Cooper, XXXX to resolve this problem. 
I was told by Mr. Cooper that they would work to retrieve my XXXX payment from XXXX. I worked with XXXX and Mr. Copper for months to resolve this issue. XXXX stated that they did not receive the payment, however, my bank records show that they cashed the check received by XXXX XXXX Bill pay in XX/XX/XXXX. 
On XX/XX/XXXX, I see that my credit score dropped almost XXXX points. I called Mr. Cooper and was told that since XXXX told them that they did not have the money for XXXX 's payment, there is nothing that they can do! That day, I paid Mr. Cooper the XXXX payment and started working with XXXX XXXX with Mr. Cooper. Her number is XXXX XXXX I gave her documentation from my bank that proves that the XXXX payment was cashed by XXXX and she was going to submit that to her supervisor to look to resolve the issue with my credit score. Nothing has been resolved. I was told during this entire time by Mr. Cooper that my credit score would not be affected but it has and this is not my doing.

I need help please. How can I get this issue resolved ASAP with my credit score?
Consumer complaint received 2022-02-28
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: Radius Global Solutions LLC (VA)

On XX/XX/21 XXXX XXXX XXXX account was opened and have a balance of XXXX  On XX/XX/21 RADIUS GLOBAL SOLUTIONS account was opened with a collection amount of XXXX which i do not recall applying for. Im struggling to pay these off because XXXX XXXX XXXX
Consumer complaint received 2022-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2023-06-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I have submitted numerous hardship applications over the last XXXX months and PenFed claims they can't find them, or can not locate additional information I sent them at their request etc. Even when they were given tracking numbers, they took no action and I was foreclosed. I managed to get out to the foreclosure, and resubmitted again, but this time they denied my request due to a math error ( {$500.00} ) in my P & L statement. When I found this out I immediately called and was told that I would have to resubmit again but I sent in the " corrected '' XXXX & XXXX the day I spoke with the agent, which was the day I received their letter denying ( again ) my request but have heard nothing despite requesting to be contacted. I have written to the XXXX and their XXXX XXXX to no avail. 

This is clearly a pattern and practice to obtain financial benefit by fraudulently claiming loss of documents etc so that they may foreclose on property for their financial benefit. The documents I have are substantial and I will be pleased to mail them if needed. However, PenFed has all the documents I suspect, unless part of their fraudulent practice is to lose them.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-02-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (SC)

They accepted a payment from a unauthorized party after I verbally and through expressed not to. I then made a two month payment AND updated our bank info with new bank info on the phone with a person and they still tried running the payment through our old bank. They have put some kind of block on our account via through the website that wont allow me to update the bank info again. When I called them about the unauthorized payment they began arguing with me cause they didnt want to reverse it cause it would cost them money. They tried telling me they were going to send ME the money from the unauthorized party in the form of a check, I said absolutely not you will reverse it cause I verbally told you not to accept it and you did anyways. Now they are purposely trying to cause a late payment that will affect my perfect credit and we are about to be getting anew construction loan. This house is sold and closes on XX/XX/XXXX. They lady who got very ugly with me on the phone is purposely doing this. Her name is XXXX, I was refused to be able to talk with their HR dept repeatedly. Ive been recording all phone conversations with them. My wife and kids in addition to the recorded calls are all whiteness as do all this stuff on speaker phone for these exact reason. We are in a world of customer no service and poor attitudes from people who are in the wrong line of work. 

SN Servicing is the company BEWARE of this company, they have no business handing peoples mortgage.
Consumer complaint received 2022-02-28
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. (MA)

I sent a certified letter to Transunion to remove erroneous information on my credit report and the information is still on my report. I have enclosed the letter. I want this information removed once and for all. Thank you. XXXX XXXX
Consumer complaint received 2019-11-19
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: Experian Information Solutions Inc. (CA)

The credit repositories responded to my letter dated XX/XX/XXXX, & the documents I submitted both on their web site, or by fax, and through the CFPB. They stated I would receive a response to my concerns within 30 days from the date they receive my request. It is well beyond that time frame. 

As shown on the CFPB site, I requested a documented response containing the following : date of contact, the creditors contact information, the name of the person who verified the information, did they provide the credit bureau with my SSN, address, and DOB? 
Additionally, concerning XXXX XXXX, what information was provided allowing this company to report to the bureau 's " before '' the required 60-day grace period had ended after my Mortgage transferred from XXXX  XXXX XXXX, to XXXX XXXX XXXX? 

I also asked why the " accurate information '' provided by creditors, had not been removed on my request. The agencies must remove credit items already reported as closed after seven years of reporting, per the " California Bill of Rights. '' Instead I received a updated credit report dated XXXX without removing these items, or providing answers and proof to my requests. The back and forth of disputes began on XX/XX/XXXX and I am no closer now to accurate reporting than to their first response on XX/XX/XXXX.
Consumer complaint received 2022-05-04
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)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXX9transunion has me at a score around XXXX. 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX XXXXow.with no help.
Consumer complaint received 2022-02-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2022, I authorized a check payment in the amount of {$6500.00} to XXXX XXXX XXXX. 

All other checks processed for payment cleared my account without any problems. 

On XX/XX/2022 XXXX XXXX  I received an email from XXXX XXXX XXXX  claim. 


On XX/XX/2022, XXXX XXXX of XXXX XXXX XXXX claimed on XX/XX/2022, the " payment posted '' but the " check was returned due to insufficient funds. '' This is factually incorrect. The reason I paid my balance in FULL was because there were sufficient funds in my account and remain sufficient funds in my account. All other authorized check payments cleared my account EXCEPT XXXX XXXXXXXX XXXX. 
XXXX XXXX denied there was a delay. XXXX claimed he did not know if there would be " enough '' to for me to cover the debt. I responded that he was making inappropriate considerations. XXXX XXXX is not my financial advisor. I am the customer, I paid the debt in FULL. The business need not be concerned about my " ability to pay '' as the debt was paid in FULL with the expectation the business would complete their end of the transaction without ANY delays. XXXXXXXX XXXX statement indicates he is acting outside the scope of his duties. My financial abilities should be of no concern to XXXX XXXX XXXX as my payment was made in FULL on XX/XX/2022. 
I informed XXXX XXXX XXXX that I will be contacting Capital One bank about their business practices. 

I request an inquiry into the severe delay in processing my payment as it is now XX/XX/2022. 

Attachments ( 1 ) XXXX XXXX XXXX Email to Customer
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TN)

I originally called PHH Mortgage on XX/XX/22 asking them to begin the process of removing my PMI. They told me that day documents will be mailed and to expect 7-10 days. Fourteen days later, I had not received so I called them and sent an email. They said it had not been mailed but the documents would be expedited and I should receive in 5 days. In the meantime, I received reply to my email saying the removal process had began and should be completed by XXXX. I replied that I had not received the documents so how could the process have been started. I waited the 3 additional days and still had not received the documents. So they escalated and said I should have in a week and they would call to follow up. Still they called me last Thursday and said it still had not been mailed and it had been escalated to her boss. I had talked with XXXX and we also had a couple emails back and forth. She told me should would call me on Friday. They are no longer returning my calls. The documents still have not been mailed. I sent a letter to them on XXXX last week with tracking. In the letter I made a formal request for the documents. I feel they have no intentions of working with me to remove my PMI. It's been well over a month and they have not put the documents in the mail to me. They are costing me money and I do not trust them. I hope they are not doing this to others. Can you please hold them accountable?
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, I received this email : XXXX ( XXXX XXXX ^ To : XXXX XXXX  XXXX Wells Online Fraud Department : let 's team up against fraud. 
WELLS FARGO your debit card was suspended due to irregular card activity, while this is in effect, withdrawals and purchases performed with your card will be declined and your online banking access will be suspended to protect your information. 
Please follow the instructions below to verify your identity : Log In to your online banking account. 
Complete the verification process to verify your identity as the account owner. 
You will be logged out from all active sessions to ensure security of your account. 
Log In to Online Banking Note : Your account will be fully secured once the verification process is completed. 
Thank you for choosing WellsFargo. 
Please do not reply to this automated email. If you have any questions please log In to I did not respond to the message, nor did I open any links. I logged into the Wells Fargo App and saw no messages from Wells Fargo about my ATM Card being suspended. I also never received and phone calls from Wells Fargo about the matter.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a " Free for Life ''. checking account with the XXXX XXXX XXXX XXXX in the mid-XX/XX/XXXX's. The account was acquired by several different banks, ending up with the Bank Of America. The account has been with them for many years, since XX/XX/XXXX.
Every 3-5 years BofA has started to charge fees on my account and I call and, after BofA researches my account, the fees have been reversed. I have been told that notes have been included in my account so the problem will not happen again.
Last month BofA again stared charging fees on my account. When I called I was informed that they had " converted '' my account and that they have no products that are " Free for Life ''.
Consumer complaint received 2022-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MN)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal has taken close to XXXX dollars from my accounts claiming I owe overdraft fees for accounts they charged off and removed from my online view when I ask for explanation and breakdown of charges I was hung up on twice I do not owe navy Federal this amount of money and this is fraudulent
Consumer complaint received 2022-10-24
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. (GA)

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 XXXX XXXX XXXX. 

Creditors Bureau Associates : XX/XX/XXXX Balance {$56.00} XXXX XXXX XXXX : XX/XX/XXXX Balance {$90.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnisha account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency XXXX make any consumer report containing any of the follwoing items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (FL)

The irs notified me that i would be getting a refund check on XX/XX/XXXX i called andverify with the XXXX tha the funds have been sent byt the XXXX to the bank we verified everything was correct the back is saying they never recieved the funds. keep getting people just repeatng that it take up to XXXX hours to post the funds but the deposit date was XX/XX/XXXX it is now XX/XX/XXXX. please help
Consumer complaint received 2022-05-04
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. (CO)

In Accordance with the Fair Credit Reporting Act the accounts listed below have violated my rights. 

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

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.