davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: MoneyLion Inc. (GA)

XXXX XXXX and XXXX XXXX XXXX Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit Moneyloin is also his and address and numbers
Consumer complaint received 2019-10-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Shellpoint Partners, LLC (TX)

I was given Exhibit A on XX/XX/XXXX, after my repeated request asking Mr. XXXX XXXX for a receipt where he paid {$230000.00} cash for our property. and Shellpoint Mortgage Servicing XXXX XXXX, provided him with an obsolete HUD-1 Settlement Statement, Exhibit A. As you compare my 1999 HUD-1, Exhibit, you can see the lines at the bottom of the page and upper and lower small print statement vary, you can see where it is a crime to engage in Mortgage fraud. Therefore, I submit my complaint for violations of the 18 U.S. C. 1018 1010. It is a crime to use a HUD-1 form as proof of a sell/purchase normally reserved for loans and refinancing. However, the HUD-1 form used is obsolete  as of XXXX, and it is not signed by the purchaser nor is there a wire transfer number for funds received or a check number for this so-called transaction that Ms. XXXX XXXX of Shellpoint Mortgage Servicing provided as proof of payment which is a fraud. XXXX XXXX did not pay one cent for our property and Shellpoint is using this obsolete HUD-1 form in a civil matter to deceive in which CFPB is supposed to protect the consumer from.
Consumer complaint received 2019-10-07
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. (WA)

On XX/XX/2019 I sent a letter to XXXX   asking them to verify the process they use to verify that two accounts included in my credit report. I asked them using the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ), that allows consumers to ask for the description used to verify the information is being reported correctly, I told them that a computer response from XXXX was not acceptable, they responded on XX/XX/2019 with an XXXX response, I asked them to remove the incorrect information and they did not. On XX/XX/2019 I wrote the same letter to Transunion, see attached letter and they responded the same as above with one letter for the Chapter XXXX, they removed the Chapter XXXX BK, On XX/XX/2019I wrote the same letters as above to XXXX and they never responded, see attached letters written to XXXX
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (CA)

I have a judgement lien against my house which was in my name and my ex husbands name. after our divorce American Express obtained a default judgement against my ex husband and put a lien on our home. When I had my exhusband sign over the deed of the property ( court ordered ) I was unaware of the lien on the property. Ex husband has passed away ( 2017 ) and I am in escrow right now to sell the house. American express has said to me on many occasions that they aren't authorized to disclose any information about the account without proof of being an executor of his account. My escrow company handling the sale of the house has also tried various times to obtain a demand/release from American Express and have been denied with zero cooperation from American Express. I am trying to get the debt taken care of in order to be able to complete the sale of my house and it isn't possible without the demand/release letter from American Express and is very unreasonable of them to think that everyone has an assigned executor at time of death. Ex-husband died in XXXX and didn't have anything in place for anyone to handle his affairs. I do not have the time at the moment to obtain executor-ship and I don not want to as I am not responsible for his debts, but am willing to take care of this lien as it interferes with the sale of my home, it is just incomprehensible to me as to why American Express is refusing to get paid.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NH)

My husband and I requested our credit reports for the first time on XX/XX/XXXX and in the cases of XXXX and Equifax , we were asked questions about possible loans that we might have. For example at Equifax : " Your credit file indicates you may have an auto loan/lease, opened in or around XX/XX/XXXX. Who is the credit provider for this account? '' There were multiple choice answers. When we checked, " None of the above. '' we were told we must submit a request for the report in writing, and could not locate a person to speak to as to whether or not there is a listing under our name for a car loan. A similar question about a mortgage was given at XXXX. We have no loans, but now can get no information about whether someone has appropriated our identity to obtain loans. However, Equifax offered to sell us a better security system ( lock ) to ensure that no one in the future could use our information. Is this a scam on the part of the credit agency? I feel we are entitled to immediate information from them as to our credit rating and possible abuses.
Consumer complaint received 2023-04-10
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)

This is XXXX XXXX, and I am submitting this complaint to you today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent items 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. Here is the list of accounts and information which do not belong to me or were opened without my permission : Medical ( Original Creditor : ) XXXX Balance : {$39.00} Medical ( Original Creditor : ) XXXX Balance : {$23.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 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 the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one and XXXX credit card Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit XXXX is also his and address and numbers
Consumer complaint received 2019-10-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants and Medical Credit Corporation, Inc. (MI)

M & M has been attempting to collect a debt that was my vehicle insurance responsibility in the first place as this was part of a hit and run accident where the other vehicle was never found. A police report was made due to the issue, but it was never followed upon. As Michigan is a no-fault insurance state, this bill should have never fallen on my shoulders and M & M is a very deceptive and aggressive agency on their collections tactics. 

Even when I did not accept responsibility for the debt, I made an attempt to make a settlement which they refused. After that their agents started asking for personal information such as my employer, my payment day, my banking institution, and other job-related questions.
Consumer complaint received 2023-04-10
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX. XXXX XXXX. Unknown ( I have not knowledge of these accts I have request Validation over 60 days I have not received anything from the companies. 
Account name : XXXX XXXX XXXX Account number XXXX Account name : XXXX XXXX number XXXX Paid, Closed. {$690.00} written off. ( XXXX ) Account name : XXXX-Account number 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-16
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. (WA)

XXXX XX/XX/2022 I filed an Experian credit dispute requesting Bank XXXX XXXX provide documentation validating the reported debt on my credit report. Bank XXXX XXXX failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Bank XXXX XXXX 's failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.
Consumer complaint received 2022-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Loan cosigner talked with Navient to pay off the loan they are associated with. Total amount due for sending in payment was {$5400.00}. Navient only applied {$4900.00} to loan. Unknown where other money was applied. Navient shows this loan still has a balance of {$260.00}. Navient owes cosigner {$430.00}.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (WI)

PNC approved my account so I transferred money from my XXXX XXXX   into the account because it had to be a {$100.00} deposit. After checking my account it still shows an {$0.00} balance. After calling I was told the account they I just received they are closing and I have to go to the branch to get my money. I did nothing wrong and I wont be given an explanation.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (FL)

We are the attorney firm representing XXXX XXXX and his family on the foreclosure case against him. 

Since XXXX, we have been submitting documents for a loan modification and providing every and all documents Fay Servicing has requested in a timely manner. We did so all the way through XX/XX/XXXX when our application was deemed complete and ready for underwriting to decide. 

At that point, our clients has a sale date scheduled for XX/XX/XXXX and I was informed that on XX/XX/XXXX our application was declined because it was within 37 days of the scheduled sale. A motion was filed to postpone the sale to allow underwriting sufficient time to complete the review. The motion was granted and the sale was postponed to XX/XX/XXXX. 

On XX/XX/XXXX I called AND emailed Fay to make sure they were aware of the cancelation and I was assured the review would be completed. Ever since, I have been mislead over and over, they said they escalated the file, they said it was under review, then they said it was not. Below a time line : XX/XX/XXXX Called and emailed Fay with the results of the motion so they could resume the review. 
XX/XX/XXXX A very rude agent told me our application had been deemed complete since XX/XX/XXXX and I would have an answer by XX/XX/XXXX. I emailed Fay servicing with this information. 
XXXX I was again told by Fay that the file was still being reviewed and they did not have an answer yet. 
XXXX the file was escalated to a Supervisor ( XXXX XXXX ) for the first time. I was advised I would receive an update the following Monday, XX/XX/XXXX XX/XX/XXXX I called and spoke with another Supervisor who told me our file was NEVER sent to underwriting and that she would do so then. That I should be counting 30 days from the foreclosure was canceled and not from XX/XX/XXXX. 
XX/XX/XXXX I called Fay for an update again to find out that on XX/XX/XXXX the file was denied because we were " within 37 days of the sale ''. 

The only possible reason this could have happened is that when the file was sent to underwriting for the second time ( late, as my multiple phone calls and emails were not addressed ), they did not review the account at all. The only thing they saw was a sale date and denied it without considering the escalations. 

We believe this to be unacceptable and not in good faith. We need our modification to be completed immediately as we have done absolutely everything that has been asked from us and the judge canceled the sale so they could give us an answer.
Consumer complaint received 2019-05-25
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. (IL)

I have called TransUnion and notified then that the following accounts do not belong to me and they are fradugelent. I have sent them a copy of a police report and an identity theft report in the past but they continue to leave these accounts on my report. These accounts do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DeptED/XXXX XXXX, DeptED/XXXX   XXXX, XXXX XXXX XXXX, DepED/XXXX   XXXX. I have provided proof but nothing has been done to stop this information that does not belong to me from being report on my credit report.
Consumer complaint received 2019-05-25
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: SYNCHRONY FINANCIAL (NY)

XX/XX/XXXX it was a hard inquiry but it just posted on my credit report on the XX/XX/XXXX my issue is I never applied or used national credit card/airline  I call XXXX XXXX sincarany bank am getting the run around my information is getting use with out my permission it scary
Consumer complaint received 2018-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

**I have attached this complaint in .pdf format that is easier to read. ** Below is my account history since XX/XX/XXXX ( my account had a {$0.00} balance at that time ) : {$25.00} Pmt due XX/XX/XXXX Paid {$25.00} XX/XX/XXXX {$25.00} Pmt due XX/XX/XXXX Paid {$20.00} 03/30/18 Paid {$20.00} XX/XX/XXXX Charged {$25.00} late fee even though more than the minimum payment was made ( total {$40.00} ) {$27.00} Pmt due XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Charged {$27.00} late fee even though more than the minimum payment was made ( total {$40.00} ) I called and spoke to XXXX, Account Manager, and she agreed to remove the late fee of {$27.00}, but refused to remove the prior late fee of {$25.00}. She explained that because I made my payment prior to the billing cycle the payments were not getting applied to the next payment. I have paid more than the minimum payment each month and should NOT be charged late fees. Please remove the {$25.00} fee charged on XX/XX/XXXX. 

I have a promotional balance that I am making payments on every two weeks to ensure that it is paid off by the end of the promotional period. XXXX XXXX XXXX XXXX is charging me late fees unfairly and I want this corrected.
Consumer complaint received 2016-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: NCC Business Services, Inc. (FL)

I have never heard from this company of any kind. I have not been contacted at all via phone, mail or email. This company has failed to contact to me. I have never heard of this company at all and never authorized an account to be put in my name at all
Consumer complaint received 2020-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-05-24
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: Midwest Recovery Systems (WA)

I got an alert from XXXX XXXX  that a collection report was added to my credit report. I do not recognize the debt, I was never contacted about the debt or furnished proof that it is mine. There is no information about when this debt was incurred and I have not seen any notification as to when it occurred. There is business name listed as XXXX XXXX of Washington but I know nothing about this debt and have never done business with them.
Consumer complaint received 2019-05-24
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: EQUIFAX, INC. (CA)

The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX  {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened XX/XX/XXXX
Consumer complaint received 2019-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

Welcome bonus not posted XX/XX/2019 -- I saw the {$350.00} bonus promotion for the checking HSBC Advance account through website https : //www.us.hsbc.com/checking-accounts/campaigns/offers/ # advance-checking-details. 
-- I clicked the apply button from the page above and applied for the account on XX/XX/2019. I received the email ( email 3 ) from HSBC stating that the application is being reviewed. I will be reached out within 48 hours with futher instructions, with the application ID of XXXX. 
XX/XX/2019 -- I received an email from HSBC stating that the application is approved, but not able to complete the initial deposit. ( email 2 ) Application ID is still XXXX. 
XX/XX/2019 -- I received an email from HSBC stating the account has been approved, with additional details to sign up for online services with HSBC. Application ID is still XXXX. ( email 1 )  XX/XX/2019 -- I funded the Advance checking account with {$10000.00} from an external account of mine. 
XX/XX/2019 -- I transferred {$9900.00} from Advance checking account to my HSBC Direct Savings account. XXXX- XXXX. XXXX INTERNET BANKING. XXXX INTERNET BANKING. 
-- This transfer would still satisfy the " Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in COMBINED CHECKING AND SAVINGS accounts within 30 calendar days of account opening ''. 

++The combined account balance on my checking and savings has been over {$10000.00} and has not changed since XX/XX/2019. 

XX/XX/2019 -- I contacted HSBC via chat because I did not see the welcome bonus posted to the account. This was now 154 days after the account is opened. Account balance has been over {$10000.00} and has not changed since XX/XX/2019. I requested of the case to be reviewed for the welcome bonus of {$350.00}. The case ID XXXX. 

XX/XX/2019 -- Called HSBC to provided additional information, which is the application ID XXXX for further investigation. Through the whole conversation with an agent, she was not able to find the original application from her system. Then she further searched in other system, but couldn't locate the application with ID XXXX.
Consumer complaint received 2019-10-07
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Sent in LOAN ASSUMPITON sent in LOAN PACKAGE TO PUT IN MY NAME XXXX sent in LOAN MODIFICATION says cant due to EXCESSIVE FOREBERANCE put offering loan at XXXX why no mod??????? So many packages so many excuses!