davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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: OneMain Finance Corporation (DE)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2019-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

On XX/XX/2019 I made my XXXX mortgage payment via online banking to my Loan Care mortgage. This money left my checking account on XX/XX/XXXX but the payment was never posted to my mortgage with Loan Care. Several weeks later I received a notice from Loan Care that my payment was past due and I paid it again immediately. 

I then requested that the missing payment be applied as well. I initially started this process with my bank who sent the payment to Loan Care electronically. They called, mailed, and faxed the payment confirmation information multiple times each to Loan Care but nothing happened. In XXXX I started working with Loan Care myself directly. I have called and emailed more than 20 times with proof of the electronic payment since that time. 

Every time I have called customer support ( most recently on XX/XX/XXXX ) I have been told by the support specialist that my proof of payment was received and that they will be posting the missing payment to my mortgage. And that I should see the payment posted the following day. I have been told that since early XXXX and I still have not seen the missing payment posted to my account. 

I have submitted everything needed to prove this payment was made but not posted to my account. I have submitted my bank statement showing the money left my account. I have submitted my mortgage statements showing the payment was never posted. And I have submitted Proof of Electronic Payment with a Case ID, credit trace #, batch # and file trace # showing the money was received by Loan Care. 

Can you please help me get Loan Care to post this payment to my account or refund me this money?
Consumer complaint received 2019-09-10
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: CITIBANK, N.A. (TN)

i receive my credit report and notice that this company was showing as an inquiry on my XXXX  from CBNA on XX/XX/2018. I'm unaware as to who this company is and I did not authorize my credit to be viewed by this company
Consumer complaint received 2019-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Borrower is XXXX XXXX XXXX XXXX XXXX ( PRA ) is refusing to respond to us, will not answer the phone, will not return phone calls, and will not respond via email. 

We are trying to clear a lien that clouds title on a property that went through a Chapter XXXX BK. Since XX/XX/XXXX we have called multiple times a day, left voicemails, emailed several times, and even tried to get a supervisor in that department on the phone. PRA will not answer their phone, will not return phone calls, and will not respond via email. 

I need a response from them or this file will go to foreclosure.
Consumer complaint received 2019-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (MO)

I went to the ATM ( US BANK ) at the US Bank location at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I inserted my ATM card and said I wanted to Deposit cash. I deposited a {$50.00} bill, XXXX  {$10.00} bill and XXXX  {$20.00} bills. I got an error that stated " A machine error has occurred and we are unable to credit your account or return some of the items you attempted to deposit. Please contact XXXX so we can assist in the return of these items '' I waited at the ATM until the screen went back to scan your card. I went inside the bank and spoke with XXXX XXXX. She told me that she would call the ATM provider this morning XXXX-19 and call me. I did not hear back from her. I left 2 messages. I called customer service and they sent me back to the bank. I asked for XXXX and also asked for the Branch Manager. No assistance. Very frustrated! They have my {$500.00} and I am told that I might not have that money for 10-12 days. This is totally not ok. What regulations are they required to comply. How can this happen???
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (FL)

XX/XX/XXXX Purchased a {$500.00} money order from XXXX, which they use Western Union. Submitted this payment with XXXX other money orders {$500.00} and {$170.00} on the same day, to my apartment complex for my rent payment. They deposited them into their company bank account. One of {$500.00} money orders was rejected by the bank. I put a claim on money order from Western Union. Western Union sent me a letter stating the bank was paid for the money order on XX/XX/XXXX. But apartment is still stating that their accounting departure say they never received payment for the {$500.00} money order. Now I'm in dept with the apartment complex and was charged late fees on that money order. And now they want me to do another dispute. Which cost {$15.00}, that i paid for the first dispute.
Consumer complaint received 2019-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is violating my rights under the FCRA.After many attempts to dispute my credit report I get the same error message.We’re sorry, this site’s dispute functionality is not available at this time. Please wait at least an hour and try again.The above error message occurs any time of day and any day I try to file a dispute.There seems to be where I have been blocked to enable me to file a dispute. Their site allows me to log in but blocks me to file a dispute.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2016, we locked in a rate of 3.375 % and a lender credit of {$1100.00} from Wells Fargo. They said there should be " no problem closing on time. '' On XX/XX/XXXX, we were told that the person in charge of our case at the bank believed the appraisal had been performed. We did not get a copy of the appraisal until XX/XX/XXXX, close to our closing deadline. The appraisal was low and of the WRONG HOUSE. Our closing date was supposed to be XX/XX/XXXX, but Wells Fargo caused us to miss it by repeatedly requesting and losing the same information and documents and appraising the WRONG HOUSE. 

They also lowered the amount of the loan from {$510000.00} to {$470000.00} because of the erroneous appraisal, and informed us that once an appraisal challenge was lodged, all of our locked-in terms were null and void. The seller had a back-up offer and would not wait, so we had to borrow the difference from a relative and close. They bumped the interest rate to 3.5 % and withdrew the lender credit of {$1100.00}, even though we had opened an account at a Wells Fargo Bank for direct withdrawals as they required. 

We closed on XX/XX/2016 under the new terms rather than lose the house. 

Wells Fargo then began a review of the case at our request. Again, they asked us to send endless duplicated documents and kept assuring us that we would be given a fair decision. After months and months of this, they decided to do nothing to remedy the problem. 

We have suffered financial losses and frustration. I have to believe this is a pattern with Wells Fargo to promise the world and then make sure customers lose on technicalities of the bank 's creation.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 2022-02-17
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. (AZ)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open : XXXX XXXXXXXX Balance : {$330.00} Date Opened : XX/XX/XXXX {$330.00} Late Close : XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} Chargeoff : XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) Bankruptcy : Chapter XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Collection : XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( Chapter XXXX bankruptcy ) XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( Chapter XXXX bankruptcy  )
Consumer complaint received 2023-03-29
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$800.00} XXXXXXXX XXXX XXXX XXXX Balance : {$290.00} Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RR Resource-Recovery (NY)

On my XXXX XXXX keeps coming up 2 separate in collections for {$30.00} dollars from XXXX XXXX XXXX. This has been paid. And is effecting my credit score. Also is there anyway of removing previous credit cards from my history report that have been closed for the over 7 years. Im trying to increase my credit score. Thank you
Consumer complaint received 2022-07-15
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. (IL)

XXXX XXXX XXXX  Acoount # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX These items are in violation of 5 USC 1681 Section 602 A right to privacy 15 USC 1681 Section 604 sec. 2 written consent
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (TX)

I had a notification on my XXXX XXXXXXXX that there was a derogatory account with Sentry Credit Inc which was reported on XX/XX/XXXX for the amount of XXXX. I've called sentry Inc at XXXX XXXX XXXX multiple times and they just keep going in circles without giving me a solution. 
The creditor is XXXX XXXX  XXXX where I use to live with my parents back in XX/XX/XXXX. I ended up going to the office to let them know I needed to get out of the lease since I was going to attend college in XXXX. I have the copy of the lease agreement stating it. I went to the apartments but unfortunately the property was sold so they couldn't help me. They took 3 years to report it until XXXX of this year and I wasnt able to fix it right away since I had given birth in XX/XX/XXXX. I really need this to get off my credit score since now I have a family and Im trying to apply for an apartment and unfortunately Im not able to since its has a huge impact on it.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Harley Davidson Financial Services Inc (TX)

My motorcycle was stolen in between JXX/XX/XXXX-XX/XX/2019 and my insurance company XXXX payed the motorcycle off and I didn’t know I had a balance left over, which I payed once I found out about the unpaid amount. I called to talk to someone About my situation which they just blew off. So I filed with each credit agency to have the late payments removed for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 but they keep saying it’s accurate.. my account is 100% on time..
Consumer complaint received 2018-09-12
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NJ)

The case no # XXXX-XXXX, I was not happy how things were handled with this case. It is amazing how one company can't call another to correct a billing problem.

The customer has to suffer and have headaches and have stomach problems. Best Buys and Citi Bank and XXXX XXXX can make a easy phone call to one another. When the customer has to get up and drive to the store and find some one to help her out and get this in writing on her own and spend money for a fax. I feel this is a tactic to keeping getting money from the customer. Yet, it was solved by me the customer, I doubt if I ever use geek squad or Best Buy again. Citi Bank I feel also play games.
Consumer complaint received 2019-09-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

We filed a federal lawsuit against (5) major banks on XXXX regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX. XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX No. XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE XXXX DISTRICT OF XXXX XXXX  DIVISION ~ Judge XXXX XXXXXXXX. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in which I precisely gave Transunion, XXXX, and XXXX the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXX to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.
Consumer complaint received 2019-09-10
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

We filed a federal lawsuit against (5) major banks on 07/07/2015 regarding our mortgage for mortgage fraud which are XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX which later was revised to XXXX XXXX XXXX and XXXX XXXX XXXX Plaintiffs, vs XXXX XXXX XXXX XXXX XXXX, et al., Defendants ~ XXXX XXXX XXXX XXXX XXXX filed on XXXX XXXX XXXX IN THE UNITED STATES DISTRICT COURTFOR THE SOUTHERN DISTRICT OF TEXAS XXXX  DIVISION ~ XXXX XXXX XXXXl. On that very same day XXXX I requested a flag to be put on both our credit reports for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX in which I precisely gave XXXX, XXXXn, and Equifax the Federal Case Number XXXX XXXX XXXX to freeze and stop any derogatory credit reporting until our case would be settled in court. We won our suit and it closed on XXXX. However, all (3) credit bureaus allowed (8) credit accounts to be closed on my wife XXXX XXXX XXXX   and (6) credit cards for XXXX XXXX XXXX which negatively impacted us on our credit scores with high interest rates and impossible to get loans much needed. They did all of this damage to us while we had not settled in federal court yet and the flag should NEVER have been lifted while pending matters were in federal court allowing any XXXXXXXX   to report that we were up to 18 months and greater that we were behind on our mortgage payments while we were in a federal court fighting for our rights by law. This was negligence on behalf of all (3) credit bureaus to have allowed such damages to occur.
Consumer complaint received 2020-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I filed a dispute with Experian on XX/XX/2020, and the investigation results were available on XX/XX/2020. I called to get more information, such as the method of verification. that was used to complete the investigation. I was told at that time, the bankruptcy was verified by the United States Bankruptcy Court, and was advised to reach out to them if I needed any further information. 

I emailed and sent a letter to the United States Bankruptcy court, on the advice of the Experian representative. I received an email response a few days later, and I also received a letter stating, " the United States Bankruptcy Court does not provide information to credit reporting agencies. '' I then called Experian again, and spoke with a representative in their Disputes Department. I first asked, what was the method of verification used? She replied, the bankruptcy court, and a third party. I then asked, who was the third party? She refused to disclose the information to, a referred me to the bankruptcy court several times, as she was rude during the entire conversation.
Consumer complaint received 2018-12-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: STATE FARM BANK, FSB (MD)

My IRA CD matured and State Farm Bank tried to charge me a {$7000.00} late fee on and then relented when I resisted. My complaint is that the amount or rate, whatever it is, was not revealed in any previous information from them. I told them I feel they owe me {$7000.00} for being abusive. They refute that. Given that the CD paid 2 % APY it seems to me that the amount which is 2 1/2 years interest at that rate, an amount more than double the maximum penalty for early termination is usury. They refused me yesterday, XX/XX/2018. I am writing primarily to bring this policy and behavior to your attention.
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (NY)

I open a dispute with my Bank ( M & T Bank ) on XX/XX/2018 for an unauthorized charge that was placed on XX/XX/2018 on my debt card after losing my wallet which contained my debt card and driver license. I received a letter from my bank dated XX/XX/2018 with the results from the investigated claim # XXXX and since there was a photocopy of my driver license and an account that was supposedly created in XXXX with a company i have never heard of or used it has to be me and would not honor my claim and would not reimburse me in the amount of {$300.00}. I faxed a request for a re-investigating and M & T bank would not honor my request.