davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

Just got off the phone with Equifax after several failed attempts to get them to correct information on one account and remove another because of the date of the first major delinquency. Account Issue Number 1 -XXXX ( Loan Paid/close but reported as open ) I paid off XXXX on XXXX XXXX, XXXX. When a mont later Equifax was still reporting the loan open with a balance due of approximately {$14000.00} i I filed a dispute. On XXXX XXXX, XXXX they sent me a report saying they " verified '' the debt. In fact the report they sent # XXXX states the creditor reported {$13000.00} due XXXX XXXX, XXXX and thereafter reported " no data '' in XXXX and XXXX. So there was NO VERIFICATION. XXXX reports the loan as paid. Account Issue # 2 XXXX XXXX ( First Delinquency over 7 years ago ) I have asked Equifax to remove this old account several times. XXXX XXXX confirms that the loan is " old '' under FCRA rules but says its up the Equifax to remove.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After looking over my own credit report I have found a few accounts that I believe are reporting in error. I have requested multiple times proof of ink signature documents according to section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( XXXX ) ( A ) of the Fair Crediting Reporting Act showing that these accounts are indeed verified and belong to me and I am not aware of them. The accounts still haven't been verified legally to standard but continue to be reported on my credit report after months of request to have them removed. 
I am seeking the removal of these negative accounts that are reporting on my credit file or legal verification showing that these accounts belong to me. Please see below the accounts information in question. 

Account XXXX # XXXX Balance : {$20000.00} UNVERIFIED ( past XXXX yrs old )
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$1500.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XX/XX/XXXX {$770.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX  XXXX XX/XX/XXXX {$2000.00}. Inquiries : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

We recently were trying to refinance our mortgage and they ran a credit report and was told this came up. We called the debt collector on the report and they told us it was a pay pal credit card from XXXX which we never had and gave us an address in XXXX where they sent bills and we have never lived in XXXX. We called XXXX XXXX XXXX on XX/XX/XXXX talked to a collector and he told us to file this report. He said the amount is {$5400.00}. He also said to contact the local police and file a report which we are in the process filing the report. XXXX said they would be in touch via mail.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (ME)

I have been victimized by two fraudulent mobile deposits made to my Truist Bank Account. I have sent requests to Truist Bank for help and have received no response. They are showing a negative balance on my account of - {$8400.00} because of these two bogus checks deposited to my account followed by a Return Deposit Request. The Return Deposit Requests were placed on Administrative Hold, yet a negative balance appears on my account. I have tried to contact the bank 's XXXX XXXX and placed on hold 3 times for a minimum of three hours each time. I sent an Overnight Express Mail letter to the bank on XX/XX/XXXX which was received by the bank on XX/XX/XXXX. I have yet to receive a response or acknowledgement. In the letter, I gave the bank the information of the perpetrator of this fraudulent activity.. I am XXXX XXXX XXXX, and I need assistance in correcting this fraudulent activity. I opened the account at the request of the perpetrator and deposited XXXX XXXX deposits, XXXX for {$100.00} and another for {$1000.00}. The Truist bank account is in my name, XXXX XXXX XXXX, the last four digits of the account number are XXXX. I can provide you with complete information. The bank is charging me overdraft fees for these XXXX fraudulent deposits and subsequent Return Requests. I have photos of the XXXX fraudulent checks that I can send to you. One was from XXXX XXXX XXXX XXXX made out to me in the amount of {$4500.00}, and the other was from XXXX XXXX XXXX XXXX XXXX in the amount of {$4900.00}. Both of these check deposits were identified by the bank as Fictitious Items.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My current auto loan is with Bank of America and it was established XX/XX/XXXX. From the date of inception I have been adding excess amount to my monthly payment with the understanding that the extra amount would go towards the principal of the loan. However after sending in a larger payment on XX/XX/XXXX, I noticed on my next months bill that my general payment was lower and the excess dollars that were being sent in were going towards future payments and interest. No where on the Bank of America site does it allow the customer to select additional payments to go to principal only, nor does it want the customer that the additional payment will not go to principal. After speaking with a BofA rep on the phone, they do not allow customers to submit principal only payments online. I was informed the only way to submit principal only payments was to fill out a ACH form, which is not available online, or to mail in a check. These practices are deceptive and prolific across the Bank of America loan population.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX DIST CT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX F XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX CARD SERV XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (MD)

Hi My name is XXXX XXXX I have some issues with PNC bank since XX/XX/2021. 
I have seen it on XX/XX/2021 some unauthorized activity in my account ending XXXX from my PNC account so I contacted my bank and let them know that I did not authorize those transactions with XXXX XXXX and XXXX and XXXX  and I file complaint with them so I when to the bank branch filled up dispute about it those transactions but they never give me my money back .the unauthorized transactions was made from XXXX for thee time {$100.00} and one time {$80.00} and four times {$250.00} from XXXX XXXX and another {$400.00} from XXXX XXXX and another 1000 from XXXX and all transactions together was {$3800.00} the bank never give me my money back. 
So please consider my complaint because Im struggling to make it living l will appreciate it if I have response from you Thank you Sincerely XXXX XXXX
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

I used synchrony bank. I asked them to extend me credit of XXXX over what I have and they charged me XXXX. Within a week I sent money to close account. I realized they charged me excessively for XXXX snd want half my interest back They are outrageous Pls advise. XXXX XXXX
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (AR)

On XX/XX/2021, I closed on a conventional home loan through XXXX Bank for my home. The purchase price was $ XXXX and the loan amount was {$380000.00}. A month later, I sold my former home and wanted to use the proceeds from the sale towards my new loan in order to achieve 80 % LTV and remove PMI. Prior to closing, I asked the mortgage broker if this would be acceptable, and she said yes. 

In XXXX, our loan was sold to Planet Home Lending. In early XXXX, 2021, I contacted Planet Home Lending inquiring about PMI removal. I was told I would receive a letter in the mail in 4-6 weeks with information regarding the process. In early XX/XX/2021, I received the letter. The letter did not provide the information I needed so I called Planet Home Lending. On XX/XX/2021, I spoke with Planet Home Lending. I asked for the specific amount that I needed to pay in order for PMI to be removed. I was told that PMI can not be removed prior to 2 years, and once the 2 year period occurs, the XXXX must be 75 %, not 80 %. I asked for this in writing and was told they do not have a letter to this effect. Planet Home Lending offered to send an amortization schedule, which I already have and is not helpful in this situation.
Consumer complaint received 2022-01-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (TX)

I have tried to have SN Servicing Corporation to send me statements for my mortgage they have not done that I have also requested them to explain to me why are you stating my loan is a conventional loan when I have never done a modification on my loan the mortgage was a FHA loan when i first signed my loan back in 2015 I have requested that any payments misapplied to the principal be applied towards the passed due payments. I have also requested for my now wife to be added to the mortgage and that still has not been completed. This lender has only sent me payment history from my prior lenders but has not been able to help me with providing me with accurate numbers. 

My letters have been mailed out too SN Servicing Corporation XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NY)

Since XXXX of XXXX we have held a mortgage with Shellpoint Mortgage Company. We pay our mortgage on the last day of the month for the first of the following month via automatic bank withdrawal. In XX/XX/XXXX our monthly payment was incorrectly applied to principle instead of XXXX 's monthly mortgage payment. Since then we have been charged late fees and penalties. We have made numerous calls to Shellpoint 's various departments in an effort to correct this problem with no satisfaction. They are looking for an additional payment of {$1100.00} which includes our normal monthly payment of {$1000.00} plus {$86.00}. We are asking them to subtract the misapplied payment towards the principle and add it to the monthly payments and remove all late fees and penalties from our account.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I got this card for donating plasma. The schedule of fees says there is a charge for using this at an ATM, even in network, and a charge for using a pin to get cash back. The only way to get cash without paying a fee is a bank teller withdrawal. I was told my card is not allowed to be used at a bank teller, and therefore the only way to get cash off the card will cost me money. That doesnt seem right. Due to the amount I have to claim this in my taxes, but I cant even get the cash from it.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2022-01-27
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-27
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC (NC)

The credit card company is constantly switching numbers to call me. I block one call it comes through with another number. Today I got a call from : XXXX When I looked up the number in question via XXXX. It came back at this company : XXXX XXXX XXXX The name of the original collection group : Dynamic Recovery Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX they use an email address : XXXX I am getting emails from them as well as constant calls. 


Please make it stop
Consumer complaint received 2022-09-27
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX  XXXX  I Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX A Account # XXXXXXXX, 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 2022-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I received an email from PayPal credit letting me know that the dispute filed mid-JXXXX XXXX was resolved on XX/XX/XXXX. And they asked me to take a satisfaction survey. 

In a letter from Synchrony Bank on XX/XX/XXXX the disputed amount of {$8700.00} will post a provision credit on my credit card and interest charges were going to be adjusted. 

On XX/XX/XXXX I received a letter from Synchrony Bank XXXX Customer Service XXXX ) regarding the dispute with XXXX. I answered their questions and provided documentation to support my claim. They informed me that they will investigate billing dispute and respond promptly. 

On XX/XX/XXXX I received another letter from Synchrony Bank saying they want to help me resolve the opened dispute claim. I received instructions to open a claim for the disputed amount. 

On XX/XX/XXXX I received a letter from Synchrony Bank saying they have concluded the research on my account and found it in my favor. The disputed amount of {$8700.00} will be show a credit on my account. 

It is now XX/XX/XXXX and NO CREDIT or REFUND was ever posted to my PayPal MasteXXXX Card with Synchrony Bank. When I call asking about it, I get transferred from Customer Service to Disputes to Fraud to Recovery and then back to Customer Service. I wasted over 25 hours on this issue. The consolation is that it's resolved in my favor. I just haven't seen the credit against my account. I would also accept a refund check if they choose this method. 

Synchrony Bank has all the documents necessary. 

I would prefer to see the refund applied to my current balance in PayPal Master Card. 
I can't wait any longer.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Revenue, Inc. (PA)

There are inquiries on my report in which I am unaware of. I also have a collections account that is stated to be mine however, it has been on my credit report for over four years and I am unaware of what it is. I have been disputing with no luck!
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

In XXXX of 2021, I filed a dispute with this credit bureau about unverified Collection XXXX XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Consumer complaint received 2022-04-11
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. (IL)

Experian has refused to respond to my disputes because I used a free dispute letter from the internet and Information on how to submit it for free and have it tracked both ways. I have done nothing to violate any regulations. The CFPB provided the complaint system. I provided Experian with all the required information to identify me through the system...
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

I sent a debt validation letter twice on the following dates : XX/XX/2021 and XX/XX/2021. Each time, the company failed to verify my debt. On XX/XX/2021, the company sent a letter that stated a debt value of {$680.00} but the debt value received from XXXX  and XXXX  on XX/XX/2021 states a debt value of {$510.00}. Also, the letter sent by the company on XX/XX/2021 did not answer the requests I needed in order to verify the debt. After, I sent the failure to validate letter on XX/XX/2021, the company never responded.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (SC)

I purchases a firearm from a company called XXXX XXXX  with my Discover Card in XXXX of 2022. The company sent the firearm to me instead of my wife who I purchased it for so I could not pick it up because that would be lieing on a Federal Firearms form. I reported this to Discover and jumped through all the hoops they asked me to yet they still refused to get my money back. Moriarti Armaments also refused to fix the problem and refused to return my money. At this point the firearm was never picked up, and they sent a mailing sticker to the FFL and the firearm was returned to them. After a year I still have not had my money returned and my wife still doesn't have the firearm I tried to purchase for her.