davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (RI)

I received an Escrow Account Disclosure Statement dated XX/XX/XXXX indicating an escrow shortage of {$3900.00}, making my monthly mortgage payment increase from {$1500.00} to {$1900.00}. This is highly unexpected, as my taxes did not increase by {$3900.00}. During multiple calls with the mortgage company ( on XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX ) I tried to explain that the shortage is likely due to the fact that the mortgage company made a disbursement in XX/XX/XXXX of {$4800.00} which is the entire tax bill for the year, instead of making quarterly tax disbursements as the mortgage company had done in the past. The mortgage company did not seek my consent to making a yearly payment instead of a quarterly payment. Even after agreeing to go back to making quarterly tax payments, when the mortgage company did a new escrow analysis, they found my escrow shortage to be {$280000.00}, which is still puzzling as my taxes did not go up by that much. The mortgage company is spreading the shortage over 60 months, but still, I do not understand why the shortage is so big. I am afraid the mortgage company is charging me more money than they should be. For reference, my taxes have been {$4900.00} in XXXX, {$4800.00} in XXXX, and {$4700.00} in XXXX. And my escrow shortage has been {$250.00} in XXXX and {$190.00} in XXXX.
Consumer complaint received 2019-10-17
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: Bread Financial Holdings, Inc. (CA)

While reviewing my XX/XX/XXXX XXXX credit card statement which is issued by Comenity Capital Bank, I observed an unauthorized charge on the amount of {$390.00} from XXXX XXXX XXXX. Since this charge was not authored by me I contacted the bank and i filed a dispute. After filing the dispute i waited about 3 weeks to find out the status of the dispute and at the time I learned that the dispute was not filed by the bank. 
On XX/XX/XXXX I filed again a dispute for the same aforementioned charge and this time the dispute was filed. Since the bank 's policy is 30 days to investigate the dispute and to give a resolution I called them back on XX/XX/XXXX to follow up on my dispute and at that time I was told that they were still investigating the dispute to call back in a couple of weeks. 
On or about XX/XX/XXXX I called the bank again to check about my account and the answer is the same, we are still investigating. 
After that called I being calling almost every 2 to 3 weeks .and the answer is still the same. 
The bank has violated their credit card agreement as their agreement clearly states that in 30 days the disputes will be resolved. It is already 8 month and the dispute is still being investigated. 
Their customer service is horrible and their negligence is affecting me financially as they have not even issued a temporary credit and the disputed amount is still my responsibility. This bank dont have any sense of urgency and they dont understand the damage they are causing me and they dont understand the legal complications that violating their credit agreement can bring to them. 

Finally, since I filed the dispute for second time I have not received information at all from the bank in writing in regards to the dispute. 

Since they are taking serious this matter I am involving for the regulatory agency to take action and to enforce their credit card agreement.
Consumer complaint received 2024-02-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (LA)

I reached out to one of your representatives about an issue with my account. Instead of addressing my concerns or helping, I was told to submit a written request, signed three times, along with a copy of my identification via mail.

Following the representative 's instructions diligently, I sent the documents you asked for as soon as possible. However, despite my compliance, I have yet to receive a follow-up communication from Navy Federal . Concerned about the status of my request and the security of my personal information, I reached out again to inquire about the matter.

To my dismay, I was informed that the request should have been emailed rather than mailed. This discrepancy not only confused me but also raised significant concerns about handling my sensitive information. Despite expressing my frustration and apprehension, the representative needed help to clarify whether Navy Federal received my initial letter or why my account access was restricted in the first place. I should not have to call several times to get my questions answered! At this point I would never trust NFCU with large sums of money in an account. 

Furthermore, I was given an email address, XXXX, and instructed to resend the documents electronically. I'm just getting back to you once again, so I quickly sent the required materials. However, despite multiple attempts to follow up, I am still waiting for a response or acknowledgment from Navy Federal.

As a result of this lack of communication and resolution, I need help accessing my account online. The inability to obtain information over the phone, coupled with the geographical distance from the nearest branch, has left me feeling frustrated and powerless. 

I am deeply disappointed by the lack of professionalism and efficiency Navy Federal Credit Union demonstrated in handling my concerns.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (TX)

I opened a new money market account at Suntrust Bank based upon an advertisement at https : XXXX showing 2.4 % interest rate. 

On XX/XX/2019, {$10000.00} was ACHd by Suntrust from my Savings account at XXXX XXXX. I then logged into my account and it no where on the site did it show the interest rate. I called up Customer Service and after spending 30 minutes on the phone with Suntrust, they said the interest rate can change at any time without notice and there was no way to find the rate out except to call them. Since spending 30 minutes on the phone to get my interest rate is not a good use of time, I decided I was going to close my account. I sent myself a XXXX check for {$10000.00} so I could get my funds back. The funds were supposed to arrive by XX/XX/XXXX, and when the check did not show up I called them on the XXXX. They said my account was frozen due to fraud prevention and to wait a couple days and they would close my account and mail me a check. I called Suntrust again on XX/XX/XXXX, and they said to wait one week and my account would be closed and they would mail me a check. I called today, on XX/XX/XXXX and XXXX XXXX said there was no way for Suntrust to send me my money back and XXXX had to request the money. I called XXXX and they said there was no way they could request the money because the ACH request was initiated by Suntrust. I then called Suntrust back again and XXXX XXXX said I just had to wait an undetermined amount of time. I called again and they said my account is frozen due to a garnishment. I know there are no garnishments related to me so the only way for that to occur is for mistaken identity. I asked them to produce a document or what I could send them to prove that there are no issues and she said there was nothing I can do.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I HAVE SEVERAL ERRORS AND INACCURATE INFORMATION ON MY CREDIT REPORT MY NAME SHOULD APPEAR AS XXXX XXXX  XXXX PLEASE DELETE ANY AND ALL VARIATONS OF NAME NAME. 
i NEED THE FOLLOW ADDRESS REMOVED FROM MY CREDIT REPORT : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE 3 ACCOUNT THAT NEED TO BE DELETED FROM MY REPORT THEY ARE IN ERROR THEY WERE SUPPOSED TO BE DELETED UNDER SETTLEMENTS WITH THE ORIGINAL CREDITORS PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX**, XXXX XXXX XXXX # XXXX**** THEY ARE NOT ACCURATE!!
Consumer complaint received 2019-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I was told that if I paid my student loans for 10 years I would qualify for public service loan forgiveness, however after paying the loan for the required time I was told my loans were the wrong type.The government changed the loan program and my loan did not qualify for the loan forgiveness but Navient failed to inform me. I felt cheated and Navient as the experts did not direct me properly, after the 10 years they offered me another forgiveness program that would have increased my payment, which I could not afford. I have been paying my loans since 2005 and still owe {$52000.00}, I am never going to get out of the hole. 

I have recently had XXXX and an aggressive XXXX XXXX called XXXX XXXX, which have both resulted in loss of wages and additional medical fees. I will be XXXX years old soon and will have to retire, I do not know how I will continue to pay the loan on a small retirement.
Consumer complaint received 2022-03-21
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. (GA)

I contested the following information included on the attached files with Equifax and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Equifax has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2019-10-17
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. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2022-12-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation (IL)

Im associated with XXXX. I initiated a mobile check deposit on XX/XX/XXXX I was told 5 to 7 business days it would be funded. Seven days come around I contacted customer support and I have been for several days. They keep telling me the same thing my moneys still not posted. I cant take my check anywhere else to get cash because Ive already sent it to them. My money is still not initiated and its now XX/XX/XXXX. They keep telling me wait till the end of the day and nothing is being done. I cant talk to a person. They keep giving me the runaround. They keep telling me to be patient. Its way past the day that I shouldve had my money. They need to fix this. I have taken pictures of all of the conversations that Ive had with him. Its always the same thing nothing is getting done. And my money lost in space.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In TransUnion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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. (NJ)

I DON'T RECOGNIZE ANY OF THE HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-17
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: EQUIFAX, INC. (FL)

I filed a dispute with bureau to dispute the accuracy and the reportability of several accounts they came back as verified and I know for a fact these accounts where verified with no substantial information thats compliant with the FCRA guidelines, how do I know this? not one of the creditors replied and the ones that replied where trying to get information to from me that they did not have, that they are required to have to report the account.The biggest violation was a violation of the Fcra section 611 ; A ) 6 and 7 ; where I asked this credit bureau that if they verified the account to supply me with the method of verification specific to the each individual account disputed, I asked for whom they spoke with, what documentation did they have? Does the information meet requirements for reporting, and they also know what a method of verification entails, however they ignored it and sent me a generic reply which does not apply to the idvidually disputed items, so they did not properly verify these accounts and did auto verified ... .the response they sent is uploaded Accounts in question was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts when I reviewed had so many inaccurate information all three bureaus are reporting different payment dates, different credit limits, different comments such as reason the account was closed, different historical payment histories, they are receiving the information from same furnisher and can not have all these inconsistencies, so Its my reason for asking for a method of verification specific information on these particular accounts, not sending me a generic answer of how they do investigation i know how its done, but i know they did not get any information on these accounts
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I HAVE SEVERAL ERRORS AND INACCURATE INFORMATION ON MY CREDIT REPORT MY NAME SHOULD APPEAR AS XXXX XXXX XXXX PLEASE DELETE ANY AND ALL VARIATONS OF NAME NAME. 
i NEED THE FOLLOW ADDRESS REMOVED FROM MY CREDIT REPORT : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE 3 ACCOUNT THAT NEED TO BE DELETED FROM MY REPORT THEY ARE IN ERROR THEY WERE SUPPOSED TO BE DELETED UNDER SETTLEMENTS WITH THE ORIGINAL CREDITORS PLEASE DELETE THE FOLLOWING ACCOUNTS : XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX THEY ARE NOT ACCURATE!!
Consumer complaint received 2019-10-17
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. (LA)

HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.
Consumer complaint received 2019-10-17
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: U.S. BANCORP (TX)

Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries. 

XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX - Account XXXX XXXX XXXX, XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX XXXX - Account XXXX
Consumer complaint received 2019-10-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I checked my credit after being denied multiple times for a new auto loan. I noticed an account for COMMONWEALTH FINANCIAL in the amount of {$650.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX   XXXX XXXX. 

First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency.

Second, I never received any correspondence from the medical facility or the doctor after my emergency care as I made sure they knew that I was indigent and had no income.

Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.