davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (IL)

TO US BANK. We are seeking the return of the 2 x {$1300.00} fees that were charges against approximately {$2900.00} in over due HELOC payments. No work was done for these fees, they were billed in advance and we talked to the lawyers. They had not started their foreclosure filing they were waiting to get the account file. 

These fees then are very unreasonable, accounting for 33 % of our total bill. 
US Bank is creating hardship. We had two times made big payments to catch and earch time we get his this massive bill and its just right or fair. Its also an error. 

There is another error, US Bank gave the. wrong phone number for financial assistance and the banks general number and have a HELOC god help you no in bank knows it and our account number does not come up at all. We gave up and got the lawyers. 

Please let us survive. A fee complaints is attached. Please read. Thank you
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I had an agreement with the attorney and company after the account was paid in full it would be removed from my credit report the account was paid in full some years ago and the account is still on my credit report. PLEASE REMOVE ASAP. Consumers have a right under the FCRA to challenge information in their files that they believe is incorrect. Consumer reporting agencies are required to investigate claims that there is inaccurate information, and when information is proven to be inaccurate, agencies must correct the mistake.

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in In accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address, and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2019-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ID)

I am no longer playing this game with Wells Fargo. I have contacted the FTC. It has been 4 months now and I do not have a copy of the document where I was charged XXXX. I will be contacting additional government agencies.
Consumer complaint received 2019-04-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: General Motors Financial Company, Inc. (FL)

I called GM several times to send me the paperwork for my lease to register it to my new address with the dmv and they haven't sent me the paperwork. 
It's costing me a lot of extra money in insurance and it's important for me to register it in my new Address which is in a different state.
Consumer complaint received 2019-04-15
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. (SC)

Sent letters to each of the main credit reporting agencies. Transunion was the only one that hasn't honored my request, even though I submitted adequate documentation to support my claim of fraudulent accounts being opened in my name. Please review the attached files and make the necessary changes.
Consumer complaint received 2019-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

I was on an Income Based Repayment  plan until XX/XX/XXXX of last year. I file for it multiple times after it was up in XX/XX/XXXX as I was not making much money. I have called XXXX XXXX numerous times to put it back in Income Based Repayment. Nothing was done. I received no emails, no letters, and no phone calls for months and come to find out it was put into collections. I have been trying to talk to the department of education numerous times since then and they would not even give me the time of day. Now they are trying to capitalize the interest and threaten to garnish my wages. I would just like to it to be back on IBR until I can find a job to pay it down.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (DC)

I made arrangements with Resurgent CAP SRV once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019. 

My understanding is that since we made a payment arrangement for the debt before the thirty day validation period, there would not be action taken to my credit file. 

I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.
Consumer complaint received 2019-04-15
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. (SC)

XXXX # : XXXX Please review the attached documents supporting my claims. I've called before after I mailed in my disputes but was greeted by someone who was not location in the USA. So I knew they had no idea of my previous claims, and of course they could not locate my files. I have been a victim and would like the correct actions to be taken to remove these items from my credit report.
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MO)

I started the student loan process in XX/XX/XXXX. On or around XX/XX/XXXX I entered into a payment plan after combining my two student loans. After combining them, I entered into a payment plan with a representative that I spoke to on the phone. The representative set me up to pay {$110.00} a month toward my loan. I never really thought too much about it until my boyfriend and I sat down to pay off some bills and get our budget laid out. We noticed the amount owed wasn't moving at all. Upon looking at the bills sent to the house I was paying {$110.00} a month, but my interest was {$120.00} a month alone. How is my loan every going to get any smaller if I'm not even paying the interest? Why didn't the representative tell me when he set me up with it that the interest was going to be more?
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

This account is reporting incorrectly. I never payed late and this is reflecting 2 30 day late payments. One on XX/XX/XXXX and one XX/XX/XXXX. it is actually reporting a lot of inaccurate information which i have circled on a copy of my 3 reports which i have attached to this complaint. Please remove the late payment status this is hurting my ability to obtain credit, and report them as paid on time. Thank you
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY (GA)

I was sent XXXX  denial letters from American Express for a credit card I didnt apply for. One was addressed to my business saying that we can not approve your request at this time for the American Express Cash Magnet card. The other is address to me, my first and last name. It says We closed your Card application as you requested. I received both letters today ( XXXX XX/XX/2022 ). The letter dates are XXXX XX/XX/2022. I called AE. They said they reported to their fraud department but they also recommended I report it to the FTC.
Consumer complaint received 2019-04-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX XXXX Account Info , # 2 XXXX XXXX {$0.00}, # 3 MO XXXX XXXX {$2700.00}, # 4 XXXX XXXXXXXX {$0.00}, # 5 XXXX  XXXX {$0.00}, # 6 XXXX XXXX XXXX {$0.00}
Consumer complaint received 2019-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

My recent dispute did not resolve my current issue with the 3 major credit reporting agencies inwhom is obviously reporting information that has not been physically certified by any documentation. I'm demanding an re investigation into these accounts as well as an detailed Method Of Verification used. I need the names and title of all employees inwhom conducted this investigation, the stamped date and time and the certified documents used .Also I would like a copy of them documents The disputed accounts are as following, # 1 XXXX  XXXX XXXX XXXX , # 2 XXXX XXXX {$0.00}, # 3 MO Child Support {$2700.00}, # 4 XXXX XXXX {$0.00}, # 5 XXXX XXXX {$0.00}, # 6 XXXX/ XXXX XXXX {$0.00}
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I SENT THE COLLECTION AGENCY A LETTER REQUESTING VALIDATION FOR THE DEBT AND TO CEAST AND DESIST ALL ATTEMPTS TO COLLECT FRAUDULENT DEBT. THEY FAILED TO REPSOND TO THAT LETTER AND ARE STILL ATTEMPTING TO COLLECT THAT DEBT. XXXX HAS SEEN IT AS FRAUDULENT AND DELETED IT FROM MY CREDIT REPORT. LASTEST ATTEMPT LETTER TO COLLECT WAS RECEIVED TODAY, XX/XX/2023. ONE MORE LETTER OR PHONE CALL FROM THEM WILL RESULT IN A LAWSUIT FOR HARRASSMENT.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I repeatedly reached out to XXXX XXXX XXXX XXXX for the removal of a small medical debt. I provided payment and given multiple letters showing it removed and being deleted from credit report. 2 months later it is still reporting as a collection account unpaid. I have the cashiers check from my bank saying it was processed. I am very disturbed that XXXX XXXX XXXX XXXX would not at least show the debt as paid or remove it from credit bureau XXXX as promised in WRITING.
Consumer complaint received 2020-02-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC (IN)

I agreed to a judgement with a repayment plan with RECE ] VABLES MANAGEMENT PARTNERS, LLC in XX/XX/2017 for the amount of {$3000.00}. I have paid {$100.00} every month since. 
The company is reporting to my credit an amount owed significantly lower, {$800.00}, than what they are claiming is still owed {$1700.00}. When reviewing past payments there are multiple month over the last 2 years where the payments show received, but the balance doesn't change. 
When I requested records showing how payments and interest were being applied, the litigation office of RMP LLC, a woman I believe named XXXX, said they couldn't send me that and she would send me a copy of the agreed judgement. 
I have included screen shots from the RMP LLC website and highlighted where multiple payments were made and not applied to the balance, as well as a screenshot of credit report balance reported by RMP LLC, as well as the balance the company is saying is owed.
Consumer complaint received 2022-07-15
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. (OH)

Disputing accounts, Equifax says they dispute information on peoples credit files. But at the end of time frame you recheck file and stuff just says remains. No explanation on how information was verified. There disputing practices are very vague no written info ever given.
Consumer complaint received 2019-04-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have gone above and beyond to provide Equifax with a ton of evidence confirming inaccurate accounts on my credit report and over the past year, they ignored my disputes several times. Ive included evidence showing Equifaxs negligence in handling these issues. Below are the Balances and Payments reported by each credit bureau. Please just look at the huge difference between what Equifax is reporting compared to XXXX and XXXX.

Balances : - XXXX {$6500.00} - XXXX {$4700.00} - Equifax {$31000.00} Payments : - XXXX {$310.00} - XXXX {$240.00} - Equifax {$830.00} This is extremely significant and has been very detrimental to my family and me. Im XXXX XXXX and live apart from my wife and children in a different state due to my current orders. As a result, Im forced to take an XXXX to work and back every day because I cant get approved for an auto loan solely due to my Equifax Report, which is unfair because the information is completely inaccurate. In addition to that, I was just recently denied for my first VA Home Loan because Equifax brought my score down so much, I missed the minimum 3 score average requirement of XXXX. I dont know where else to turn or what else to do, please help. These accounts below are whats reporting inaccurate and I have provided XXXX/XXXX XXXX XXXX requested to have this deleted off my report. This was already  deleted by XXXX and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested to have this deleted off my report. This was already deleted by XXXX  and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX The same account thats listed above, The Original Creditor ( XXXX XXXX XXXX ) requested deletion of this account and it was already deleted by XXXX   months ago. 
See Investigation Results from XXXX  Deleting This. 

XXXX XXXX XXXX and XXXX were both UNABLE TO VERIFY and DELETED this account? 
See Investigation Results from XXXX  Deleting This.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (MI)

I received a phone call from Weltman, Weinbeg, & Reis Co, LPA back in XXXX of XXXX. They did not identify themselves as such and demanded my personal information to which I refused and then got hung up on. I called back and told this company to mail me whatever it was they said I owed and that I would not be giving my personal information out. The next thing I know I was served by the Police Department for a Summons and a Complaint for a judgement in XXXX XXXX MI based on a XXXX XXXX credit card which I had in Florida. I looked up my information on the court systems and I have to date XX/XX/2019 see no case pending. I called XXXX, They told me that they were going to not only sue me but garnish my wages, seize my tax return, place liens on my property and seize any real property I own on a XXXX credit card debit unless I agreed to a consent judgement filed with the courthouse and agreed to pay them. I honestly thought at first it was legitimate considering I talked to an attorneys named XXXX and XXXX XXXX and initially agreed to pay them a settlement of {$2100.00} of installments of {$520.00} a month with the balance payable within 90 days. I feel that this is a violation of FDCPA and my rights as a consumer are being violated ... ... .PLEASE HELP!
Consumer complaint received 2023-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On XXXX, XXXX I discovered, my Citizens Bank check issued to XXXX XXXX for {$200.00} was cashed by the Bank for {$14000.00}! Immediately I & my husband went to a local Citizens Bank brunch & learned our check was stolen & forged to a person name & the amount was changed, keeping only XXXX written by me. The altered check had my signature & at the bottom of the check, I wrote a XXXX account # & due date for the payment, that was not touched! 
The fraud was so obvious, that people from the Bank assured us, that we'll get our money back within XXXX. Next day we contacted Police, XXXX came to our place on XX/XX/XXXX & filed a report & police inspector had been assign to handle our case within a week. 
Since then a banker from local brunch faxed all our information & documentation to The Citizens Bank Fraud Department 5 times! We come to the brunch on a regular bases & every time he sends another package of the same documents & every time we get the same answer, that Fraud Department does not have our records?! So we start the same procedure with the help of the same banker & it's endless.... We need the money, it's so outrageously unbelievable the way the Bank treating us & we are good elderly customers of 30 years .... I hope someone is willing to help us, we do not know, what else could be done to make very nice mannered employees to do the job, not just to say how sorry they are ....
Consumer complaint received 2019-04-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC ()

On XX/XX/2019 I tried to cash a refund check for {$540.00} from the state of California. It was declined, and I was refused any reason or any kind of answer of why from Certegy, except go somewhere else. Although I tried three times, receiving 3 reference numbers, they were unable to bring it up on their system though their system was still declining and issuing out reference numbers. After over an hour of asking for a supervisor I was finally connected with one to tell me Im more than welcome to go somewhere else.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Synovus Bank (IN)

My first progress is checked daily to make sure I continue building my credit and don't miss payments. I didn't owe for the month of XXXX and I now owe XXXX which is accurate for XXXX as a due date but my score dropped XXXX points and I haven't missed any payments. I don't believe this is fair this has happened to me before with first progress and this is unacceptable.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (FL)

To Whom it may concern, I request a copy of my XXXX consumer report for freedom of information purposes since my information is involved. 

Furthermore i request a freeze to be added to my XXXX  consumer report pursuant to my fcra right as consumer. 

Attached is a copy of ID and SSN for Verification Purposes Please Send Me a letter Confirmation with My XXXX   Consumer Report Blocked To the address listed on that request Regards,
Consumer complaint received 2019-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

I pulled a credit card with Citibank in XXXX under a zero percent interest rate. In XX/XX/XXXX I paid the card in full over the phone to make sure I was paying the entire amount owed. This was one month prior to the interest rate accrual that would begin in XXXX. In XXXX I received no statement showing balance was paid in full. In XX/XX/XXXX I logged into the card website because I just had my identity stolen and needed to check on all my accounts. I find a $ XXXX balance on my card! I called and they explained the card was used for autopayments that I never changed. I asked the company why I never received any statements and they said I was set up for email notices. I didn't have any notices and when I log into my account I see no statement for generated for the month I paid in full. I see statements for every month since I opened the account through today but no statement for XXXX after I made the payment in full. Therefore, no proof or notice that I paid my card in full. I asked the company to make courtesy of writing off all interest charges accrued since I thought this was a closed card. They told me they could only write off half. I begrudgingly pay in full and close the account, AGAIN! I log in today and see a {$6.00} finance charge on a zero balance! I have been a credit card consumer for over 25 years and never have I received so many problems with a credit card. I needed to report this because to me something is not right with this company and/or card line. In my added photo you will see the month my statement was not generated.