davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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. (AL)

I am here once again filing a complaint against Experian for giving me the runaround. I have 2 items reporting on my credit report due to identity theft. I was told to file a police report and affidavit. I did so and called Experian and a representative said that they could no accept my police report because it is an " automated report '' and the officer didn't sign the police report. The police report was filled out XXXX XXXX XXXX XXXX, XXXX, AL XXXX, XXXX. Officer XXXX helped me file it and Sergeant XXXX reviewed and signed it. There is no reason to continue to give me hard time about this unless you are discriminating against me for some reason! Delete the 2 items XXXX XXXX and XXXX from my report. You already deleted an inquiry you discovered wasn't mine and you added a fraud alert. Delete the remaining 2 items as well. THIS IS NOT A DISPUTE REQUEST. DO NOT DISPUTE!
Consumer complaint received 2022-08-29
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. (LA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-02-01
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: Global Portfolio Recovery, LLC (TX)

I have received 19 calls from number XXXX XXXX XXXX from XXXX XXXX, they have made threats of 'legal ' action against me & said I owed XXXX XXXX dollar ( my number is XXXX XXXX XXXX ). I have a land line phone number of XXXX XXXX XXXX & they now call both phones, this number they call numerous times a day as many as 5 or 6 times. 
I am looking for a job to this is very stressful when I think it's for a potential job & it's them, harassing me. XXXX XXXX XXXX
Consumer complaint received 2019-02-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Purchased dept protection plan from USAA for XXXX XXXX purchased XX/XX/XXXX with USAA auto loan. Loan amount was {$10000.00}. ( 25 ) days after purchase I was terminated from employment. I missed payments 3 months by XXXX as a result. I called to request hardship under protection plan. They asked if I was working. I said no but I had taken a small Labor contract to cover gas money. USAA denied me the protection because I had taken a short term job for a month to earn money for gas. The contract was 3 days a week at {$10.00} an hour. This was my only income. I was suffering XXXX XXXX. Lost that job as a result. But was still denied protection under the protection terms. By XX/XX/XXXX the XXXX was charged off and my USAA account closed. USAA claims no record of the XXXX loan.
Consumer complaint received 2022-03-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (IL)

I took out a payday loan with this company in 2021. They are currently taking out {$270.00} every other week. The original loan amount was {$2000.00}. As of today the amount is {$2400.00}. That would mean that NOTHING has been applied to my principal. I understand that these loans are high interest rate, but the rate on this is 348 %. This is taking extreme advantage of people that are in a bad financial situation. I am not able to get ahead or have enough to pay my other debts as I am paying this with nothing being paid down on the loan.
Consumer complaint received 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I paid XXXX dollars to truist bank auto loan account number XXXX, and I paid XXXX dollars more because Tfs recovery ( Truist XXXX company ) employee asked. after that, Truist updated from XXXX to XXXX dollars. 

But illegally Truist changed from XXXX to XXXX. Digital forensic way can be applied to their wrongdoing. 

Warranty extension I did not want and I did not get any service, so, XXXX dollars monthly bill should be decrease to XXXX dollars. So Truist bank owes me around XXXX dollars. XXXX XXXX more than XXXX miles XXXX is not same value price with XXXX XXXX or XXXX XXXX. Paying XXXX dollars is overcharging and abuse. 
Consumer financial protection bureau and FTC should stop their wrongdoing for many clients in the USA. 


www.worldIntelligencesummit.com
Consumer complaint received 2023-12-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (SC)

Someone sent me {$67000.00} Bitcoin from gold I found and all my phone 's keep getting hacked and people keep taking my money and I don't have access to any of my Bitcoin accounts bc of my information being compromised!!! I have 3 different Bitcoin accounts but don't have access to them anymore please help me retrieve my Bitcoin money please and thank you
Consumer complaint received 2017-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (GA)

My father had a suntrust card he had been ill and disputed the XXXX XXXX dollar balance. my father XXXX  suddenly leaving no will and no estate just debt, suntrust hired a company called XXXX XXXX XXXX to collect the debt. The day after my fathers XXXX XXXX called up pretending to be XXXX the woman, XXXX  /XXXX scared me threatened to have me thrown out of my home I started to cry. I called back and said I would pay the debt but then I called the attorney general and they said I did not owe the debt, I had to send a portion of my fathers medical record to show how he could not owe the debt
Consumer complaint received 2019-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I have sent an affidavit to the company National Credit System and have yet to hear back from this company. I have filed several disputes with XXXX and have not received why this is still on my credit report. This is a fraudulent account and does not belong to me. As I have explained several times my wallet was lost with my ID and my social security card inside. I have been trying for months to clear up the damage that this mishap has caused. XXXX  /national credit system continue to not correct and removed this item from my report. I have done all that was asked of me from National Credit and they have not even responded back to me. XXXX continues to not remove or even explain why this is still on my credit report.
Consumer complaint received 2019-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TX)

I contact chase bank to do a balance transfer to pay off my other credit cards and they are unable to do so and they told me that the promo is discontinued on XX/XX/XXXX and I have to wait for long time do so and Im little behind on my other credit cards bills and I would need to do a few smaller transfers and I will pay the interest along with it and chase refused to honor my request
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

I've recently filed a fraud complaint with Navy Federal Credit union for the amount of {$500.00} and some change. Not even a day later, they deny it and let me know i'm responsible for the full amount when I didn't authorize ANY of these transactions. I've also reached out to them twice online, and once in branch to block a transaction that keeps trying to pull {$100.00} out of my account EVERY SINGLE PAYCHECK. The fact that Navy Federal isn't allowing me to block a company that continues to pull {$100.00} out every paycheck is alarming. The second fact that Navy Federal isn't thoroughly assisting members with their fraud reports is another alarming thing. This bank has grown to hit me with SHADY tactics since my bankruptcy has been discharged.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I have tried several times to get derogatory and outdated items removed from Equifax and there information is not up to date I have incorrect information and never get to dispute it by the time I get to the final page it always says this page unavailable my score is way off and I need suggestions and or help thank you
Consumer complaint received 2019-02-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My home was in escrow to a company purchasing my home on XXXX XX/XX/XXXX. I called both mortgage company and their lawyers before the sale on XXXX XX/XX/XXXX. When I called the mortgage company they told me to call their lawyers and vice-versa while I was trying to get help. My documentation of escrow and purchase agreement states they were signed between XXXX XX/XX/XXXX. It is set to sell for {$140000.00}. Plenty to pay off debt. I received an email about two weeks after I tried to get help from the mortgage company lawyers. In that time the sale of my home to the company continued to proceed.
Consumer complaint received 2019-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (AZ)

My monthly house payment with I believe, 4 or 5 mortgage companies so far, was {$1200.00}. I always have the mortgage company " draw '' the funds from my bank. I have never been late on a house payment in nearly 20 years!! 

On XX/XX/2018 Freedom Mortgage sent me a check returning " excess escrow '' funds in the amount of {$180.00}. I immediately returned their " unendorsed '' check to Freedom Mortgage, explaining I will ALWAYS return excess escrow amounts back to my Escrow account so my house payment does NOT increase. They returned the unsigned return of escrow funds check, saying I had to endorse the check. I endorsed the check and paid the extra to be able to track the check, as it was endorsed making it negotiable. Freedom Mortgage increased my XXXX payment by 9 cents. I wrote and asked why the increase when they have an excess of funds and they sent me an unsigned letter saying they would research. I never actually received an explanation. Then, I received another return of Escrow funds check dated XX/XX/2018 in the amount of {$160.00}, and a statement telling me they were increasing my monthly payment to {$1200.00}. Please understand, I phoned on each of these checks and was NOT given any explanation other than I had too much money in my escrow account. I was NEVER allowed to speak to a Supervisor or Escrow Account Employee. I again returned the check, of course " signed '' and track-able with another letter stating I will ALWAYS return excess escrow. The next letter I received was again UNSIGNED stating they would research my concerns. I am a XXXX XXXX, retired, fixed income. home owner. Every penny counts in my life. I have recently had a number of unexpected costs as well as expensive health issues. I am being unfairly treated by a company that does not even sign letters or give me anyone to speak with regarding their unfathomable, explanations. Their increase of {$3.00}, totals in a year, {$40.00}. The last excess escrow funds check I returned was in the amount of {$160.00}. In my life, especially now, every penny of my monthly expenses affects how I am able to live my life. Please help. 
Sincerely, XXXX
Consumer complaint received 2022-08-29
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$600.00XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2022-03-06
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. (MA)

XXXX continue to violate section 15 USC 1681 S-2 and USC 6802 ( b ) XXXX  stated in there last response to my dispute that the account XXXX was sold to XXXX XXXX XXXX in 2020. The reporting of this account by XXXX is inaccurate because they no longer own this account and can not report a inaccurate account they no longer own. I would advise XXXX to have someone from there legal department review section 15 USC 1681 S-2 and 15 USC 6802 ( b ). I ask that CFPB hold XXXX accountable for not upholding the laws of the FCRA. If XXXX dont stop reporting this inaccurate account I will be contacting a local consumer law attorney to file suite again XXXX for all violations I have cited.
Consumer complaint received 2021-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MO)

Fed Loans acknowledged receipt of my Public Service Loan Forgiveness ( PSLF ) Employment Certification & Application Form on XX/XX/2021. On XX/XX/2021, Fed Loans requested additional time to review my Certification and Application. To date, Fed Loans has not provided any additional updates on my request. 

When I previously filed a PSLF Employment Certification & Application on XX/XX/2021, my Certification was processed on XX/XX/2021, less than one week after filing said Application. The current length of time for Certification is therefore unreasonable. 

I would like Fed Loans to approve my current Certification and Application.
Consumer complaint received 2021-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (NC)

I purchased my first home in XXXX of XXXX. 3 weeks after purchasing my home, I was put on furlough through my employer and my hours were cut in half. Unfortunately, I did not qualify for unemployment because I made to much ( even though my income had been cut in half and all of my bills stayed the same ). 
I contacted XXXX  and they offered to defer the payments, but I knew I could make them ... it just may take a little longer than the 30 days you are given. 
I have made every single payment on my home. Whenever I got a stimulus check I put every dime toward my house payment. 
Unfortunately, M & T bank took over my loan and even though I was told I would not have any " late payment '' marks on my credit & there would be no fees for the late payments as long as they were made, I now have 7 late payments ( one of which is for XX/XX/XXXX and that payment has been paid ). 
My credit score has dropped over 150 points just from those remarks and they have charged me over {$500.00} in fees. 
Over the last year, every single payment and late fee has been paid. I will gladly pay the late fee, as a courtesy since I was in fact late. I have spoken to several people at M & T and all refuse to help me with the late fee remarks on my credit. I shouldn't have my credit ruined when half the world was able to go without paying their bills at all ... and the WHOLE world was in the middle of a pandemic.

I would really appreciate it if M & T mortgage would take off all of the 7 late payments they marked on my credit so that I can work toward rebuilding what covid has messed up. I will no longer have any late payments ( I have since returned to work, all payments are current and will stay that way ).
Consumer complaint received 2022-09-02
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2022-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (VA)

1. I sent a letter to GM Financial that asked them to remove the tradeline ; there was no response 2. I disputed the debt again as it should have been removed per what I read on FCRA, no response 3. I tried to make a payment arrangement no response I am asking that the credit bureaus all remove this tradeline as it is well past 7 years.
Consumer complaint received 2017-06-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

According to HUD guidelines ( see 24 CFR 203.604 ), a face to face home visit was supposed to occur prior to the start of foreclosure activity being conducted by Wells Fargo. Initially a certified letter should have been requesting a face to face visit. Then a Wells Fargo representative is supposed to come to the home to make the request in person. This did not occur. HUD guidelines are very clear that this must happen before a foreclosure filing can happen.
Consumer complaint received 2022-09-02
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-04-03
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. (FL)

Dear Sir/Madam, I am writing to inform you that I, XXXX XXXX XXXX XXXX only use this name and no other name. I want to clarify that I am not the owner of any debts associated with other names. 

As per 15 U.S. Code 1679c - Disclosures, I am entitled to know the information contained in my credit report. I request that you verify that my credit report only reflects the debts and accounts associated with my legal name, XXXX XXXX XXXX, and that no other names are included. 

I appreciate your assistance in ensuring the accuracy of my credit report. If you have any questions or require further information, please do not hesitate to contact me. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-02
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Discharged XXXX Date Filed XX/XX/2013 XXXX
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Moved into XXXX XXXX paid first month plus security house came available next month gave notice but still put on report and it's been 7 years and it's appearing fresh starting all over again. Government forgiveness paid debt and it's still showing on report