davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (NV)

I discovered XXXX inquiries on my credit report that were unfamiliar to me.

I contacted each financial institution and each informed me that they were not done by me.

Here is the list of each company that verified that it was not me that inquired for the credit cards. 

1. Syncb-Amazon phone number XXXX 2. Synchrony-financial phone number XXXX 3. XXXX XXXX  phone number XXXX
Consumer complaint received 2020-07-13
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. (GA)

Fraudulent accounts have been added to my credit report causing me grade harm, and compromising my ability to obtain credit, my identity was used to establish these accounts, I Have learn that this report had to be completed as one of the steps to report this incident.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had bought a XXXX XXXX XXXX on XX/XX/XXXX {$24000.00}. 
Balance owed time of repo {$10000.00}. XX/XX/XXXX They sold the vehicle on XX/XX/XXXX {$12000.00}. 
A collection agency contacted me and said I owed them money. {$10000.00}. And shared with me that it was sold. I explained to them I dont owe XXXX XXXX XXXX Any money if anything they owe me {$1800.00}. Plus my antenna and the mats. 
I had offered to pay them and they refused my offer. It was less than the original agreement but I still offered. I do need help with this matter. Even if it is taken off my credit report. 
It has been charged off so they actually have got paid twice for this vehicle.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I contacted Experian multiple times in regards to having these unauthorized inquiry delete it off my credit report. Having these inquires on my credit report has lower my score significantly. I also have n't been able to get a line of credit with any one because of the matter.
Consumer complaint received 2015-11-24
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (PA)

I have an XXXX XXXX XXXX Aviator Red Master Card that was closed due to a {$14.00} charge that went 90 past due. I was not aware that a {$14.00} charge was posted to my credit card as I made a {$1400.00} payment to this card account in XXXX 2015 to bring the balance to zero. All communication to me by the bank was sent electronically and was never received. I incurred and paid {$120.00} in late fees for the {$14.00} charge. The Bank never notified me that my account was past due and that it was being reported to the credit agencies. On XXXX/XXXX/15 I was mailed a hard copy letter informing me that my account was cancelled and that the delinquency was reported to the credit agencies. No communication of this issue was made known to me by mail before XXXX/XXXX/15. Customer service at the credit card company/BANK is unresponsive. Promises to remediate have been made with no follow up. The credit card company has admitted to me that proper notification procedures were not followed. No follow up or further communication by the card company has been completed. Principal and late fees totaling {$130.00} have been paid even though the original charge in question was only {$14.00}. The primary problem is email communication including bill delivery that likely never reached my inbox due to spam filtering. Lesson learned, do not select electronic bill payment and presentment. Stick with snail mail.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Application processing delay — 
Company: BARCLAYS BANK DELAWARE (PA)

My wife and I recently applied for a Barclaycard XXXX Credit Card. After receiving letters that Barclay required additional information/verification of information I made phone contact with Barclay. In order to proceed with the applications I need to mail them a copy of our social security cards ( front and back ), driver 's license ( front and back ), bank statements, and a recent utility bill. If this does not raise red flags then I do not know what does. We have excellent credit scores ... above XXXX into XXXX with no creditor issues. When I asked why in this day in age I would want to send this highly sensitive personal information in the mail to complete strangers I was told not to worry as the information would be shredded upon use. That was suppose to ease my fears of identify theft, I guess. This process does not appear to be appropriate when applying for a credit card. Previous contacts with card companies in the past have always provided instant approvals after they checked our finances while holding on the phone. Needless to say we are not moving forward with the applications only because of security concerns of our personal information.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NC)

not long ago i approached my lender company to assist me with lowering down my monthly mortgage payments, making them aware that i had lost my job and was not able to keep up with the current payments as i clearly began to fall behind on my mortgage. for months i went along with providing them documents needed. when they gave me the call to provide me the GREAT news i come to find out all they did was raise my payments higher by XXXX   dlls. i dont understand how that makes sense in any way. i made my point very clear that i was having financial issues and all they did was make my payment go higher. i am now trying to apply again or them to lower my payment and they refuse to review my financial situation or mortgage at all. i have not made a payment since they gave me this ridiculous modification because i literally was not able to do so in the past i most definable can not do it now XXXX  more than what it was. at this point in time they refuse to help me and i am seeking all help possible for me to not be left on the streets. this is my home i worked very hard for and last thing i want to happen is to loose it because i was granted a higher payment that i can not afford. PLEASE HELP ME
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (GA)

My home is currently for sale and under contract scheduled to close in the next two weeks. My current mortgage company has XXXX in escrow for real estate taxes. I first requested that escrow be canceled and they send me the funds so that I could use them to establish escrow on the new home I am purchasing. They denied my request. I then requested that they subtract escrow off my payoff statement and I never received a response. I explained that I would be contacting the CFPB if we could not reach a mutually acceptable agreement. We originally purchased our current home in XXXX XXXX well before escrow rules changes under Frank Dodd. I couple of years back I requested to cancel the escrow of homeowners and they did that without a problem. This mortgage company is holding my escrow funds hostage and refuses to send the money to us. They said we should receive the funds 15 days after the loan is paid off. How are consumers supposed to set up new escrow? I believe this causes consumer harm. 

I have have been a customer of PHH Mortgage since XX/XX/XXXX with XXXX separate loans. We have never been late. Not ONCE. As a matter of fact, if you check our payment history we generally pay over the amount due and pay 5 to 10 days early.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC. (DE)

This involves XXXX  credit bureau and the furnisher : IQ Data International who are providing knowingly incorrect information on my credit file and XXXX refuse to remove it even though proof was provided. IQ Data claim that an amount is owed from a apartment company by the name of XXXX XXXX XXXX XXXX XXXX, TX in the sum of {$3300.00}. I have a court document stating otherwise. This court document states due to two defaults where the XXXX ( XXXX XXXX ), refused to attend the jury trial court proceedings. A ruling was made on the second trial of not only another default issued against XXXX XXXX, but a decision was made that no monies was owed from said Defendant ( XXXX XXXX ) to the said Plaintiff ( XXXX XXXX ). The supporting documents were faxed to IQ Data International XX/XX/2019, poof being provided by a fax confirmation. Having this evidence in possession, IQ Data still refused to acknowledge the documents and continue to report the facts and stop reporting this inaccuracy. The acting manager on this file representing XXXX XXXX name is XXXX XXXX. The same documents were faxed to XXXX  on XX/XX/2019, prior to 3 previous disputes that were filed on this same matter. XXXX and XXXX deleted the file immediately after proof was given, not XXXX!!!! Both are illegally falsifying the debt on my credit file.
Consumer complaint received 2020-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

My Name is XXXX I am a XXXX XXXX for 15 years, employment income around XXXX /year My wife XXXX is a XXXX  her income is around XXXX /year I also have a small online business with gross yearly sale around XXXX plus I have 3 rental properties all paid off I do not owe any money on any of them and yearly net rental income is around XXXX the only obligations I have is my primary resident mortgage which is {$1700.00} / month my credit score almost 800 with out any negative issues same is my wife`s credit score. 
I applied for a home equity line of credit from TD Bank on property I own, The property is appraised for XXXX k and i requested XXXX to buy another investment property my application was initially approved and appraisal was sent to property then all the sudden the person was in charge of the case stop answering the phone and I had to contact her manager which she did not like and when she talk to me she was so rude and upset and start ask for non sense documents which I have had already submitted. One of the calls she said do you think I am stupid and she had remarks on my name and my age ( check recorded calls ) all the sudden she calls me so happy that my application is denied because I can not meet my obligations.I felt that was wrong and unfair to be denied with all income listed above i feel i been denied because of my age or origin.
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I requested a copy of my credit report and noticed I had inaccurate items reporting. I created a letter to request the validity of the accounts. I mailed letters on XX/XX/21 without a response. I really would like help in this matter. The misleading information is causing me financial stress.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX, Transfer my mortgage to a next company and for some reason they reporting on my credit report as delinquency and late payment which is incorrect I was never late
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (VA)

I have filed XXXX XXXX for the past 6 years with the IRS. I dont use an EIN as I am an XXXX XXXX and get paid. Cash or XXXX   deposits. When COVID hit, my business started going under. I utlitized the SBA grant and received a grant deposit of {$1000.00}. Not the loan. I was told my account was high risk and my account was frozen and is under investigation. I went to the branch days before and they agreed to remove the funds until they completed the investigation and allow me full access to my account. They then froze my account Sunday after removing the SBA funds and lifting my account. I have proof of my tax filing and the SBA loan was deposited into my account with my legal name on it. I filed the application with my legal name.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc. (FL)

I do not owe for this account this was an account maybe owed by someone else other than my self. I have not authorized this account and services were never rendered to me. Its a medical bill sent to collections that does not belong to me
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

XXXX, Equifax, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.
Consumer complaint received 2020-07-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I initiated an international wire transfer with Bank of America to XXXX XXXX XXXX on XX/XX/2020 and was charged {$45.00} to do so. The money was not received by the Payee. XXXX XXXX attempted to investigate using the transfer information I provided : WIRE TYPE : INTL OUT DATE:XXXX TIME:XXXX ET TRN:XXXX SERVICE REF:XXXX XXXX : XXXX XXXX XXXX IDXXXX XXXX XXXX : XXXX XXXX XXXX ID : XXXX PMT DETXXXX XXXX WEBSITE DEVELOPMENT XXXX XXXX. 
XXXX XXXX requested an MT 103 form which I requested from my business bank representative who could not provide it and referred me to the toll free number where they did not have the information either. The XXXX XXXX  representative then wanted to talk to a representative from Bank of America so it could be sorted out, but my rep was not willing to do it and referred me to the wire transfer toll free number where there was not a way to assign a contact person ( they only answer calls ). 
I then paid for a wire trace : WIRE TYPE : BOOK OUT DATE:XXXX TIME:XXXX ET XXXX RELATED REF : XXXX XXXX  : COMMISSIONS IDXXXX PMT DET : INVESTIGA TION FEE XXXX XXXX for another {$25.00} on XX/XX/2020. 
I was told I should hear back in 2 to 3 business days. I still had not heard back and complained to my business rep 1 week after the trace. The rep, once again, did very little to help ... .. and referred me back to the toll free wire transfer toll line. In the meantime I was forced to pay the vendor {$4400.00} dollars to keep our project moving forward. 
I sent a written complaint 2 days ago and after pursuing the case again today, there is still no progress in finding the money. I'm utterly frustrated and feel powerless to recover the money. It has been 6 weeks and {$75.00} in fees to lose {$4400.00}, pay an extra {$4400.00} with a different bank + fees, spend hours of time on the phone only to receive terrible customer service. This is all without mentioning my embarrassment with the vendor who was working in good faith.
Consumer complaint received 2015-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (LA)

I continue contacting Experian about a address on XXXX XXXX on my credit file, asking to be remove. The address is not mine its assoicate with my relative with the same first and last name. Experian would'nt remove the address. I upload a copy of my Id, social security card, and copy of a bill, as told by Experian. Now Experian refusing to remove the address at XXXX XXXX. I 've called multiplies time. Still no result. Im trying to aviod my Identity from being used. I apply a fraud alert.
Consumer complaint received 2024-03-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: TRUIST FINANCIAL CORPORATION (MD)

TRUIST is intentionally delaying the review and acting in bad faith. They continue to request additional information despite them being the 2nd position lender. I have explained this to them over and over. However they continue to request the same documents over and over and not moving the short sale along.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 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 30days gives a reason to immediately remove those items from 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-22
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. (NJ)

Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

Enhanced Recovery is reporting a tradeline from a XXXX  account that does to belong to me. I have send the credit bureaus a copy of my FTC Identity theft report and police report over two months ago and somehow the credit bureaus are still allowed to report this. I Find this highly illegal and unfair. I have enclosed a copy of my FTC report and police report once again. Please delete this from my credit profile.
Consumer complaint received 2019-05-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

******BELOW IS THE TEXT FROM MY LETTER PREVIOUSLY WRITTEN AND MAILED TO THE FTC . MY ISSUES RELATED TO INQUIRY REMOVAL LLC HAE BEEN RESOLVED BUT I HAVE YET TO RESOLVE MY ISSUES WITH BANK OF AMERICA. ***** *****I was given something called a TRMS # from BOA on how to track the complaint I filed with them. Its a case number for victims of scams claims. ( XXXX ) ... The business bank account that scammed me was Routing # XXXX Checking XXXX  XXXX and the name on the account in XXXX XXXX ( XX/XX/XXXX Federal Trade Commission Attn : Consumer Complaint Dept. 
XXXX XXXX XXXX Washington, DC XXXX Dear Federal Trade Commission, I am writing a letter to explain the series of events that have effected me and my business and business accounts. 
I was recently a victim of two scams. Both occurring at the same time of the year, one initiating in early XXXX I believe and the other was a back up service which also ended up turning south. 
I paid one company {$2200.00} through a Bank of America business bank account who turned out not to be a real business at all, and I paid another company shortly who seemed more trusted than the previous, to do the job I needed done but not only did they not do the job, but collected {$600.00} in payment and has been promising me a rightfully owed refund since XX/XX/XXXX, and still is until today. 
I am looking to retrieve my {$600.00} from XXXX XXXX XXXX and my {$2200.00} I deposited into a business bank account with Bank of America. 
I received a referral from a loan lender to a credit repair specialist that was supposed to be trusted but turned out to be fraud. The credit repair person was in fact someone who had managed to somehow open a Bank Of America business account in another state where my payment for services had been deposited. 
I filed a police report, and my investigation had been conducted by a detective here in XXXX, MA. XXXX XXXX had been in touch with BOA and had subpoenaed the records of my deposits and the imposters withdrawals of the funds. The detective also had managed to track down the person by contacting a detective in another state who had suspects detained relating to the same business account. 
Bank of America has been difficult throughout the entire process, and I have not had any luck retrieving any of my funds deposited into one of their business bank accounts. 
Please help, I have provided all my documentation from start to finish throughout this entire process with both companies and I expect a phone call or email in return on how the FTC can help me with retrieving my funds back from Bank Of America and XXXX XXXX XXXX. 
Sincerely yours, XXXX XXXX )