davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

My banking and equity line were with Suntrust until Truist made a full transition in XXXX. I don't get paper statements and online statements have been unavailable the entire time. I don't know where my automatic payment to my equity line went in XXXX but they showed I did not pay and then double billed me in XXXX with a late fee ( I had removed later ). My open equity line stopped after 10 years ( 8 years ago ) and went into full repayment mode and I had been using auto payments ever since so I did not have to think about it. They totally screwed up my payments. They reopened my original E-line on my account like it is another e-line and started withdrawing auto payments to both E-line accounts. They only handle mortgage stuff over the phone and it takes over an hour on hold to speak to someone who can't help you. Over 10 hours on the phone so far and not resolved. They told me the accounts are linked together and can't stop double billing me and taking my money. I need that money for something. The only thing that does work is their ability to take my money without asking. Somebody please help!!!
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The company is and has been holding back monthly payments, so we had to void out the two months for XXXX and XXXX for they have not cashed the checks. So now church that's been helping myself my Brother XXXX is living with me now their not going intel PHH Mortgage services start sending us a real Billing receipts on the monthly payments. So in closing can you Help us, Now this tried doing almost the same thing last year. I am sure I'll be sent a default for a failure to pay notice and late fees and foreclosure as well so thanks. P.S. Why are they doing this I mean that's illegal? sign XXXX.
Consumer complaint received 2022-02-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I HAVE BEEN UNABLE TO GET A HOME OR VEHICLE DO TO INCORRECT REPORTING ON THE BUREAUS PART. I HAVE NOTIFIED THEM OF WRONG INFORMATION. THE RESULT OF INVESTIGATION HAS YET TO BE DISCOVERED. I HAVE RECEIVED NO PHYSICAL DOCUMENTS TO VALIDATE ACCOUNTS.
Consumer complaint received 2022-04-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX U.S. Bankruptcy Court, 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 2020-02-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (PA)

Debts a result of identity theft that happened in XX/XX/2019. Police report was filed and taken to the creditor, which was then given back and marked as not needed. Account was then sold and additional fees were added. I told both the debtor and collection agency the accounts were compromised and they will not stop harassing me. Making threats to have a lawyer sue me. Spoke with police after paying back most of the funds and was told to stop making payments.
Consumer complaint received 2017-09-05
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. (LA)

I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (CA)

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, XXXX, XXXX, CoreLogic, XXXX, XXXX XXXX, and others are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Consumer complaint received 2022-04-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

I made multiple attempts through XXXX and XXXX to settle the above referenced account. My offers were repeatedly denied. I made the same offer in XXXX, after this office notified me via mail that they were suing me. The court date was XX/XX/XXXX. We settled for my original offer amount of {$450.00}. I had until XX/XX/XXXX to pay, I paid XX/XX/XXXX. At the hearing, both Stillman 's representation and the magistrate, claimed upon payment my file would be updated to reflect a {$0.00} balance, I would be provided with receipt upon payment, and such would reflect on my credit file. 

Stillman 's office took XXXX  days to provide me with receipt, and purposely told the data furnishing companies ( 3 major credit bureaus ) that my account was not settled/paid in full during the dispute/investigation process, causing me to have to re-open the dispute, and wait an additional 30 days on top of XXXX  days I had to wait for a receipt.
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (IN)

SoFi froze my account for suspected fraud. They returned a check that I had deposited from my other account and then locked my checking account. I have attempted to call their Fraud prevention team for three days and left multiple messages for a return call. A quick search of this process on their chat boards reassured me that this happens to many people and sometimes takes two weeks to resolve. That timeframe is unacceptable.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I had been using Experian Credit monitoring for a few months for the price of {$19.00} using my XXXX XXXX. They would monitor child XXXX in the area but what does that have to do with my credit report. I had on my report my XXXX, student loans was closed and my old addresses off my credit report along with a po box address, so I decided to complaint a disrupt. And once that disrupt was submitted they took my credit score down ( XXXX ) points my score was XXXX. I had been pre-approved for a mortgage loans and yet once my score went down I had to explain to the lenders what was on my credit report as closed. When I contact Experian, she explained to me it would go back up so I was very disappointed in the services with the XXXX at the price of {$19.00}. I explain to the rep I was very disappointed and that this services is a fraud which the mistake was on my credit report and then you decided to harm my score instead of protecting my credit with correct information. So I discontinued my memebership. My score had been the same since and when I login they are asking me if you want credit monitor for {$19.00} just to see my credit increase this is fraud they should never put a consumers in a position that they need to pay just to see the updated credit score. Since I stop being a member they just keep taking my score down they hurt my credit with my SL being closed it was their mistake the other 2 credit bureau had my correct information regarding my SLoans. I requested my old address es be taken off my credit and yet nothing. I must pay {$19.00} to get anything done. I have the app on my XXXX and my credit is lock I cant even unlock or lock my credit unless I had contact them. This is fraud I have paid for this services just to hurt my Credit this company need to be investigated to the fullest. Today, my credit score is still the same and hasnt moved or anything. I would like my refund on the services they had surrounded to me for my credit monitor program sucks and I am sure I am not the only customers that has had these issues. Free credit report Experian charge you a fee. All my credit report are lock now expect Experian unless I pay for a membership of {$19.00} and I am not going to do it anymore.
Consumer complaint received 2024-01-22
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

The {$50.00} gift card I got for XXXX is not usable. It is from a company called vanilla.gifts.com ( Visa ) and I did some research on it and it is a very bad company scamming people. I tried to use the card over the weekend and it was invalid. I checked the card and 4 numbers on the card are missing and the code had been scratched off but the packaging wasn't tampered with. I have tried calling them and I can't get anyone to answer. All of the reviews I read about XXXX are all telling the same story I am facing. The card is missing numbers, it's not valid and you can't get it fixed through the company. The website does not give you an option to file a complaint. I spent 4 hours on the hold and no one would answer. Doing some investigative research- I found out that I'm one of MANY MANY MANY people who are experiencing this issue. I'm a XXXX  mom and I really needed that money and now I'm not going to get another XXXX through the fraudulent company, the person that gave it to me is out {$50.00} and I didn't get a XXXX present that I can use. Buyer beware!!!!! This is a really bad company XXXX  off consumers and there doesn't seem to be any way to fix it. 

Click this link to see all the reviews of this company and all saying the same thing. How has nothing been done?!!!!!! 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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. (IA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Request for Validation and Removal of Inaccurate Information from Credit Profile I am writing to address a matter of significant concern regarding the accuracy of information on my credit profile. I have recently become aware that your agency is reporting information that has not been properly validated, a practice that directly contravenes the provisions of the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information pertains to the following account : Creditor Name : XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Tx XXXX Under the FCRA, I am entitled to accurate and verifiable information on my credit report. The reported account incorrect and has not been adequately validated, and as such, I am formally requesting that your agency comply with the following : XXXX. Provide full validation proof : Furnish detailed documentation supporting the accuracy and legitimacy of the reported debt, including but not limited to the nature of the debt, the amount owed, and the original creditor. 

XXXX. Compliance with FCRA : Acknowledge and rectify the violation of the Fair Credit Reporting Act by ensuring that all information on my credit report is accurate, verifiable, and in compliance with the law. 

I emphasize that the inaccurate reporting of this debt is not only damaging to my credit standing but also constitutes a violation of my rights under the FCRA. If your agency fails to provide the requested validation information within the stipulated time frame, I reserve the right to pursue legal action to rectify this violation. 

To facilitate communication, kindly forward all written correspondence, including the requested validation information, to the following address contained within this complaint. 

Alternatively, I request the prompt removal of the inaccurate account from my credit profile if full validation proof can not be provided within the specified time. 

I appreciate your prompt attention to this matter and anticipate a swift resolution to rectify this violation of my rights under the FCRA. 

Thank you for your cooperation.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

we send out 3 checks to a vendor which was cashed thru somebody different than the vendor it was cashed by XXXX XXXX XXXXXXXX which they admitted it was fraud it is 6 weeks and havent heard anything yet no money was send back to my account in chase
Consumer complaint received 2019-07-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We have multiple personal and business accounts with Citizens ' Bank. One of these accounts is an equity line of credit. It automatically deducts the interest to pay off the account from our checking account monthly. Any principal has to be paid separately which we've been doing on-line via the Citizens Bank website regularly. When I tried to pay the principal from the Transfer tab of their website today, it no longer provides an option to pay off the principal! After calling customer service, I learned that I can now pay using their new system on their website transferring from my checking account, but my intended principal payments will go to interest and be 'held ' until the monthly date the principal is paid off and then any balance paid to my principal. Are they actually allowed to do that? 
My other choices include : write a check, call and make a payment, go to a branch, or go to a completely separate URL and enter personal information. There is no place on this new URL that indicates what they will do with your personal information or its relationship with Citizens. All of these options are ridiculous and the one they suggest- going to this other URL is possibly unsafe.
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

My claim was closed allegedly because it was a duplicate claim. This is not true. It is the same and only complaint and should be acted on. I am a retired service member and am being taken advantage of. Please reopen my complaint and help me resolve the issue. My complaint should be on file. Thank you XXXX XXXX complaint # XXXX
Consumer complaint received 2022-02-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (VA)

This is a follow-up to complaint # XXXX. Your response stated that Caliber Home loans will overnight me a check by XXXX in the amount of {$3500.00} on XXXX. I have not received a package from XXXX, and the tracking status shows pending. I called XXXX on XXXX, and asked why the package is still in a pending status. I was told that pending means that a label has been created, but no package has been received by Caliber Home Loans. I called Caliber and the representative that I talked to tracked the package and got the same status.
Consumer complaint received 2018-12-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group (MO)

The Phoenix Recovery Group reported my account to the credit bureaus without sending me any notification of the account. After contacting XXXX, The Phoenix Recovery Group then contacted me for the very first time via emailXX/XX/18. The collection notice that they had sent to me had the wrong address, hence the reason I never received it. The original creditor noted on the collection notice also sent the bill to the wrong address. The Phoenix Recovery Group stated in the email that they would report the account as disputed to the credit bureaus. That never happened. My credit score took a hit from this. I was never given an opportunity to dispute the account before by credit score was ruined by Phoenix Recovery Group.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

Starting on XX/XX/ someone used my Citi Bank Mastercard information to make fraudulent charges to my credit card. There were 5 fraud charges totaling {$7500.00}. Citi contacted me on XX/XX/XXXX  saying the charges looked fraudulent so they shut off my card. I confirmed that I had NOT made any of these charges so they told me they would investigate and send me a new credit card ( ending in XXXX ) to replace the one that was used for the fraud ( ending in XXXX ). 
I called Citi at least 10 times because the fraud charges hadn't been credited back until after my XX/XX/XXXX  statement. However they had already charged my card {$110.00} in interest on the FRAUD charges. I called a few more times and they told me each time to NOT pay the interest because they will have it removed in about 3 days. Now it's a couple of weeks later and they also added {$30.00} as a LATE FEE on the {$110.00}. 
I have spent many hours speaking with Citi employees on the phone for almost 3 months ( I have all of their names, dates and times that I spoke with them ) but they still haven't REMOVED the {$140.00} balance for the interest & late fees on those fraudulent charges. 
I have NOT used their new credit since the fraud as I'm waiting for them to correct this problem.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-09-05
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. (IL)

I sent a certified letter toExperian made a follow up call late XX/XX/XXXX and was told by representative the investigation would be complete by first week of XX/XX/XXXX. I called in XX/XX/XXXXand another representative said it would be complete by the following week in XX/XX/XXXX. I received letter stating this account was investigated XX/XX/XXXX. Which means the cbureau did not vother to reinvestigate the matter since XX/XX/XXXX  month ago. 30 days past. By law this account is to be removed immediately and permaneantly deleted. IN addition to this I have sent multiple letters to have this account validated. I have no such account for said amount and there has been no paperwork sent to me for the said account verifying accuracy of details or amount. I am simply asking for this account to be deleted permanently due to the dispute being over 30 days and unverified data after multiple letters asking to remit said detailed account.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (OH)

My credit age on my credit reports are showing that my average age is XXXX and XXXX. My first student loan was XXXX - XXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Student loans are a part of credit age.
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-22
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

Bloomingdales -- - Didnot receive an online order via mail. Matter was investigated via Bloomingdales back house team. Redeemed the that shipped to an incorrect address. Investigation revealed funds should be refunded to me ( consumer ) on or about XXXX via email. After numerous phone calls and emails to customer service I have yet to receive a refund to my bloomingdales credit card. I was informed that a credit would be issued in form a a bloomingdales gift card and not via bloomingdales credit card. I have been paying interest for 2 months on items I dont have. 
I also had to repurchase the same items because I never received them.