davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I been banking with suntrust for fee years. I have power of attorney over my husband because he is XXXX  and XXXX XXXX. His checks have been coming into my account direct deposit and paper check. I Make monthly deposit .my account has been frozen. I brought all documents my husband. I was told my account is closing and I will receive a check in 7 to 10 business days. It's been 3 weeks and no access to my money I don't have access and I am stranded. This is wrong. I need my money immediately
Consumer complaint received 2018-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Premium Credit Bureau (IL)

XXXX XXXX XXXX XXXX XX/XX/XXXX is unauthorized because I dont have a bank account with them XXXX is unauthorized XX/XX/XXXX because I do not recognize this XXXX XXXX XXXX- fraudulent XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- mortgage shopping and I dont have an account with them. I do not recognize this XXXX- unauthorized XXXX XXXX-credit monitoring service did not remove inquires and checked credit to help Did not give consent for the hard inquiries XXXX Premium credit bureaus XX/XX/XXXX Unauthorized XXXX XXXX XXXX I dont recognize this Please remove all of the inquiries
Consumer complaint received 2018-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Endpoint Resolution Services (ERS) (PA)

XX/XX/XXXX@ XXXX at my job XXXX ( couldn't understand his last name ) from ERS called stating he was calling about a returned item from my Bank ( I work at XXXX XXXX XXXX XXXX ) that requires my immediate attention. Please return my call at XXXX. I returned the call 2 days later when I was back in the office and he said oh this wasn't for you. 
XX/XX/XXXX@ XXXX at my job Robo call from ERS about a notice that was sent to my address or listed as my home residence today we haven't received notification from you about this important matter. 
XX/XX/XXXX/ @ XXXX at my job Robo call with the same message above XX/XX/XXXX @ XXXX XXXX I called them back, from my job, asking what this was about. He said was I XXXX, I said yes, he said is your address, XXXX XXXX XXXX XXXX PA, I said yes, he said we are calling about a notification that we mailed to your home address onXX/XX/XXXX. I said I don't know what you are talking about as I didn't receive any notification and it is alreadyXX/XX/XXXX, so I don't know what you are talking about. Gave me vague information about whatever debt they are referring to and stated that they would be taking this to court and I would have legal fees to deal with along with ruining my credit. We can do monthly payments or we can take a payment amount lower than the outstanding debt of {$2000.00}. Told them they were calling my job and he said sorry about that. I said I would call him back when I'm not at work that this was my job. He said well you didn't tell me what you are doing about this, are you making a payment ( Yelling at me ) so I hung up. 
XX/XX/XXXX @ XXXX at my job Robo rom ERS with the same message XX/XX/XXXX @ XXXX at my job XXXX from ERS saying , I'm calling back again from the Pre-Legal Dept from ERS please call me back at XXXX XX/XX/XXXX@ XXXX XXXX  on my cell number saying this is XXXX calling back with the Pre-Legal Dept of ERS I had spoken to you on the XXXX and I still have not had a response from you and the client is requesting a decision be made on your behalf by close of business tomorrow so I would like to speak with you before verification is faxed. If you can contact me back immediately my office number is XXXX. 

These are all the ones that I have documented. They constantly change the number they are calling from. Some of the numbers look like local numbers so I'll answer and others look like out of area, so then I don't answer. I haven't acknowledged anything and I'm really tired of being harassed at my job over and over again. I have a job to do and it isn't being harassed by ERS. 

Thank you very much! 
XXXX.
Consumer complaint received 2022-02-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (CA)

I called Lendmark Financial and advise them that I had made a {$350.00} payment towards my loan on due date of XX/XX/2022. I adv. the representative helping me with call that I wanted {$280.00} applied towards my regular payment and rest {$60.00} towards principal only. I was advise that could only be done if I call someone over the phone and instruct them to apply it that way or to walk in the branch and pay there and have them applied that way. My issue is why can they apply the payment I already paid through them via phone application the way im asking. I feel like they are steeling from us consumers with already high interest rate well over % 35. I also called corporate to resolve this and all they did was xfer me to a supervisor the branch location where I got my loan. Manager was not available for my complaint.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Law Firm of Karl Frankovitch (CT)

XX/XX/2020 - Contacted via phone by XXXX, ( address unknown ) AZ ( XXXX ) in regards to consolidation and financial coaching. Was to receive a credit card with 0 % finance charge to apply. 

XX/XX/2020 - The Law Firm of Karl Frankovitch, XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; XXXX XXXX ) : received charge of {$1900.00} to my credit card. 
No documentation of phone XXXX  conversation was ever received via e-mail, mail, contract or credit card. 
Services and credit card were never received. 
Contacted The Law Firm of Karl Frankovitch and this person told me to just pay the {$1900.00} or legal action and suits will take place costing me more than the due fee, so just pay it. 
{$1900.00} paid in full with no services rendered or credit card issued. 

XX/XX/2020 - Contacted The Law Firm of Karl Frankovitch for XXXX 's information. I was told that XXXX is no longer a client of theirs. They have no information on the company except the main Corp is out of AZ. Only a phone number was given ; XXXX. Called and sounded automated/fake ; left voice mail anyway. No call back yet. Can not find anything on web or XXXX  site for XXXX.
Consumer complaint received 2018-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

This is regarding said debt for XXXX XXXX XXXX. Under the FDCPA, I have the right to request validation of the debt you say I owe you. Under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I have never received any notice to validate this said debt.

Under the Fair Debt Collection Practices Act, I have the right to request this account be removed from your files as this debt has not been validated due to your company XXXX XXXX XXXX failing to provide notice to validate. Your firm could face severe consequences for pursing this account any further.

Im sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. Please stop all collection activity with me, except to let me know this matter is now closed.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My identity was stolen back in XX/XX/2016. Multiple credit lines, banks, and other products were open under my name. My wallet was stolen and my drivers license, social security card and credit cards were stolen. Bank of American was one of the banks that opened these fraudulent accounts under my name. Now they have placed me in XXXX XXXX XXXX marked with a notation of fraud. I was never aware of these accounts being opened. I was never notified by bank of American and Bank of America has not validated that any of the accounts and checks that were cashed were mine, they have not provided me with any documentation with my signature. By law any fraudulent accounts that were opened due to Identity theft should be blocked and removed. Bank of America is in violation of many federal banking laws and the FCRA federal laws I have filed complaints with the OCC and my local attorneys general office. I am aware of my consumer rights and my father is an attorney. If this issue isnt corrected by Bank of America I will seek litigation to clear my name!
Consumer complaint received 2024-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I received a notification from the credit bureaus that an account was opened XX/XX/23 XXXX in the amount of {$430.00}, I never had an account opened with XXXX, never received a debt validation letter confirming the details of the debt. this company never tried to contact me by letter or phone. I have a fraud alert on my credit @ all ( 3 ) bureaus due to previous identity theft accounts. I called the XXXX, no agents available, their system ask for your social security to locate the account, I entered into the system. the recording say no account found. this is not my account I'm filing a complaint against Jefferson Capital Systems and will seek an attorney due to this account is being reported on my credit record. which has cause mental distress as I am a retired XXXX citizen.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Dear to whom it may concern. 

We are attaching 2 documents that show that qualifications were done for a {$400.00} promotion. 

This is the second time Wells is unfairly and unwilling to deposit monies that are rightfully due to a customer.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNRISE CREDIT SERVICES, INC (CA)

Please check as reference my CFPB inquire # XXXX and the attached letter with date XX/XX/2019 to the Debt Collector XXXX XXXX  XXXX XXXX in their response the said they will stop and cease any collection activity for the amount of {$300.00}. Now checking my credit report in XXXX  shows another Debt Collector is reporting the Amount of {$300.00} such amount has been disputed in the past as you know. I opened immediately a dispute within XXXX  and this new Debt Collector SUNRISE CREDIT SERVICE still flagging as a validate debt. 
That is the reason Im open this complaint against the debt Collector ( attaching debt validation letter along with the XXXX report affecting my credit score ) The CFPB should be aware this act is Intentional and with the goal to harm me, I would like to ask the CFPB to ask XXXX  and the Debt Collector Sunrise Credit Service to remove immediately this vogus Debt Collection Report.
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 information incorrect
Company: Experian Information Solutions Inc. (IL)

XX/XX/XXXX To Whom it may Concern : I have just received my credit report and noticed there are several inaccurate items on my report as follows : I request that you remove immediately the following fraudulent inquiries from my credit report : 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX, XXXX XXXX XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I never authorized any of those inquires and when I requested proof from the creditor, they were unable to provide me with any proof otherwise ; therefore, it is the credit bureaus responsibility to remove them. 

I anticipate your response and an updated copy of my credit report. I have enclosed a copy of my drivers license, social security card, and past credit report showing my current address as proof of identity. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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: Experian Information Solutions Inc. (NY)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

This is a supplement complaint for XXXX. As the company refuses to admit the facts that they provide misleading information to me about XXXX transaction, I've recorded the conversation and submit via complaint number XXXX. This is the second part I was told by the agent : when XXXX transaction is called completed and how long it will take. I was told by Capital One on XX/XX/XXXX : XXXX transaction is completed once the funds is deposited into my account. From this recording, the response is still consistent with their previous response. The second part was XXXX is a cash transaction as the recording indicated before. Additionally, I provided a copy of the call log. As you can see from the call log, the transaction occurred on XX/XX/XXXX and Capital One Customer Service Number is XXXX. On that day and the day after, I called multiple times to confirm the nature of XXXX transaction. Specifically, the call at XXXX on XX/XX/XXXX and the call at XXXX on XX/XX/XXXX, the agent confirmed with me ( 1 ) what is called " completed '' in XXXX transaction XXXX ( 2 ) the nature of XXXX transaction is like cash transaction. In fact, based on the call log, you can see I'm actually extremely uncomfortable for XXXX transactions and thus I called in Capital One multiple times to understand the nature of the XXXX transaction. I even explain the whole situation of the money exchange in my phone call. After I confirmed with Capital One that XXXX can not be cancelled or revoked and the transaction is completed once the funds is in my account, I start to accept this form of payment. 

Based on the law, I have the rights to request the materials used by Capital One to deny the case. However when I requested the transcripts of those phone calls, Capital One asked me to provide court order. As such, I have to call in again and the agent still provides me the same information : XXXX is cash transaction, as you can see in the voice call recording I provided. 

As a reputable bank, I didn't expect Capital One denies the fact. As such, to fully investigate the issue, I'll file a case with a court since arbitration won't be able to order the transcripts of those misleading calls. Can you please let me know the contact person I can serve the case? Also as consumer rights, I request the call transcripts.
Consumer complaint received 2022-02-17
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. (GA)

On XX/XX/XXXX21 XX/XX/XXXX2021 and XX/XX/XXXX21 I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

from mortgagee XXXX XXXX XXXX Loan # XXXX Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ON XX/XX/2022 XXXX XXXX  OPERATOR XXXX XXXX XXXX XXXX XXXX. REFUSE TO TAKE MY {$13000.00} DUES OVER THE PHONE TO HELP SAVE AND KEEP MY PROPERTY FOR ME AND MY FAMILY DESPITE MY EFFORT AND FIDUCIARY RELATIONSHIP WITH THE BANK SAYING THAT IS AGAINST POLICY THAT I MUST PAY THE FULL AMOUNT {$46000.00} DUE OR FORECLOSURE INSPITE OF ME BEING UNDER BANKRUPTCY CASE XXXX PROTECTION. PLEASE HELP.
Consumer complaint received 2019-11-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AL)

I have a mortgage with Ditech. Ditech went into bankruptcy in XXXX if I understand correctly. I did not receive instructions on how to pay the new company. I waited. 

When I finally heard from the " new '' ( it's probably the same people I bet, they have a history ) company, XXXX, they are using Ditech 's website, which is very strange - nothing has changed there. 

I called the 800 number and got a customer service rep and asked for status, then paid the past due amount in full on XX/XX/XXXX. Immediately Ditech issued another statement stating that I owe the default amount. This isn't right. It should currently be paid up. They also sent me a large package stating my account is in default.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance $ XXXX, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (CA)

Was previously with Great Lakes Borrowers during my enrollment at XXXX XXXX University from XXXX to XXXX. Was placed on forbearance due to difficulty making a XXXX a month payment. Tried multiple times to refinance or get a better payment plan and was refused. When XXXX took over my loan from Great Lakes Borrowers, not only were they offering better and affordable monthly payments but they were also very helpful in enrolling me in public service loan forgiveness for law enforcement which Great Lakes Borrowers advised me was not available with them despite my loan types. Prior to graduation from XXXX in late XXXX, my student loan debt total was about XXXX however after graduation, and after my grace period, my total owed sky rocketed to almost XXXX owed and the explanation given from Great Lakes Borrowers was that it included interest accrued while I was enrolled in school which should not have been the case during enrollment and the 6 month grace period. This is in reference to the loan ( s ) taken over from XXXX.
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (FL)

XXXX XXXX XXXX XXXX. 
I had for many years used my XXXX XXXX XXXX  Out of the blue XXXX  issues me an XXXX XXXX card. I had Not. requested that card and called XXXX Cardmember Services. 

Per them, the said they notified me in advance that they were changing. I DID NOT RECEIVE ANY ADVANCE NOTIFICATION. Was told my XXXX account was being closed and replaced by the XXXX. I told them I don't need the hassle of changing account numbers when I do online purchases and have automatic payments. I requested my XXXX remain open and was told that it wasn't possible. I found this highly disturbing, yet, as I understand, is legal. 

This has totally disrupted my credit history and peace of mind. 
I have applied to XXXX XXXX and been accepted for a credit card. 
I'm writing out of frustration that XXXX can close my XXXX account and switch over to a XXXX  account.