davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

Each month I make a mobile deposit to my checking account at SunTrust. I have had this account since XX/XX/XXXX and it is in good standing. SunTrust also holds my mortgage account ( since XX/XX/XXXX ) and my auto loan ( since XX/XX/XXXX ). My auto loan is paid automatically on the XXXX of each month from my SunTrust checking account. Since XX/XX/XXXX, I have transferred money by mobile deposit prior to the due date and it has been available with no issues. Earlier this year, postal issues caused me to not receive my mortgage statement and bill by mail. To avoid any chance of missing a payment or having one be late, I began to add the mortgage payment to my monthly mobile deposit so that I could pay my mortgage online as well. For the last several months I have written a check to myself from my primary checking account at a credit union and deposited it at SunTrust using mobile deposit. Not once has there been any issue with collectability or funds availability. My account at SunTrust does not keep a high balance but it is never overdrawn. On Friday, XX/XX/XXXX I performed my normal mobile deposit of {$2100.00} to cover both loan payments. I received an email that my funds were being held and would be available on XX/XX/XXXX. I reached out to customer service online to inquire as to why and did not receive any explanation, only that there was nothing they could do. I was frustrated but I let it go since the funds would be available before the auto loan due date of XX/XX/XXXX and my mortgage due date of XX/XX/XXXX. I checked on Saturday to see the status and saw that all funds were being held and would not be available until XX/XX/XXXX. I did not receive an email of this change. I called SunTrust customer service today, XX/XX/XXXX to ask why there is a hold and try to get it lifted so my payments would occur as scheduled. I spoke to three different people, including a supervisor and explained that I do this each month and there has never been a problem. My account is established, I am writing a check to myself and there has never been a check that has not been paid. I offered to show them proof of my balance or to wait until the check clears XXXX likely today or tomorrow ) and provide them proof that it cleared my credit union account. They refuse to release my money prior to my loan due dates. I told them this money is strictly for loan payments and asked them to work with me since I have been a customer in good standing for 20+ years ; they refused. I asked what will happen if my auto payment can't be processed as scheduled, they had no answer. They refuse to work with me and I am forced to find an additional {$900.00} so my payment will not bounce and cause fees and interest rate penalties. I will have to get {$900.00} in cash and deposit it to SunTrust prior to XX/XX/XXXX so that funds will be available without possibility of any hold. And they still will not release my deposit, nor tell me why it is being held.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This company has failed to provide documentation on how this item is verified on my credit file. I have sent them multiple documents showing that this information is inaccurate and does not belong on my credit report. On XX/XX/2020 I sent over a copy of each of my credit reports from XXXX  and XXXX  showing them the incorrect information did not match so how was it verified as accurate? They failed to remove the item and it is still reporting the wrong information. I reached out to their vendor XXXX to have the item investigated and they could not find this bankruptcy as a result of their reinvestigation. Transunion is stating that XXXX quote on quote certified it as accurate. XXXX sent a dispute over on my behalf XX/XX/2020 to have this information removed and transunion refuses to remove it. And still stated that XXXX  XXXX  verified as accurate in XXXX. How is that possible when the dispute came from their company on my behalf? You have also not shown proof of how it was verified and what documentation was used. Transunion is aware that I have a mixed file and they still refuse to remove this erroneous unverified bankruptcy from my credit file.
Consumer complaint received 2020-10-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: John C. Heath, Attorney at Law, PLLC (NV)

Due Amount- {$1200.00} Settlement Amount- {$500.00} ( TillXXXXr XXXX ) We already contacted you several times regarding your unpaid loan account but failed to receive any response from your side. 

We are ready to file a lawsuit against you and report this to major credit bureaus and inform the IRS regarding this lawsuit. 

You will have to face severe consequences like : 1.You might be immediately sacked by your employer as they will be notified. 

2.Your credit will be ruined. 

3.Your wages can be garnished. 

4.Your bank accounts/credit cards will immediately freeze. 

5.The IRS will put a hold on your Tax return. 

Before proceeding ahead, this is yourfinal chance to settle this debt outside the courthouse. 

We just want to know your clear intention in regards to the above mentioned loan account whether you are willing to take care of it or not? 

That is word for word the email I get minus the account number. It says its for a loan company I never even heard of. They email me constantly. Its never phone calls. It's the same generic email. 

The emailed dates are XX/XX/20, XX/XX/20
Consumer complaint received 2017-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I contacted Experian, XXXX and XXXX asking them to remove my public records, tax liens and bankruptcy off of my credit. It is still on there and I am wanting it removed. Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN and DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy and tax lien listed does not include this information and should be deleted from my credit report
Consumer complaint received 2021-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I havent been able to use or spend more than {$500.00} a day, even if I have 10 times that in my account. I have to pay rent in segments and sometimes I cant buy food on days that I have to pay bills. 

This has went on for three years. 

I try to no longer keep anything in my bank account now unless Im planning an online bill pay. 

Ive ran XXXX  on myself. 
I cant find anything on myself causing this limit. 


Ive spoken to Wells Fargo so regularly about this. 

I cant even use direct deposit because theyve tried to hold my deposits for as long as two weeks, even if its a routine biweekly deposit that Ive been receiving for two years and even if there wasnt a hold, I only would have access to a small percentage of it.
Consumer complaint received 2021-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

My daughter had her own student loans to cover her education. One semester she was a little short so I applied for a parent-plus loan to cover the small amount she needed. No where on any of the paperwork did it say my parent-plus loan would become the primary funding source for the remainder of her education. I amassed over {$30000.00} in loans without my knowledge. I complained and sent them copies of their own web site pages pointing out that it never told me I would be the primary funding source. I expected to be a small over-flow source for books, etc. It was unfair and deceitful.
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

To whom it may concern, I have sent in multiple letters to Equifax to remove the information from my report. They have yet to remove the false information even after sending in multiple items proving it does not belong to me. At this point, they have not been cooperative with the situation. I need this removed immediately for it is a false claim. 

The following is the false information they are reporting : XXXX XXXX {$360.00} I have mailed off the communication with them on XXXX, XXXX and XXXX of 2020. 

Please help me resolve this issue!
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I have sent 2 letters one in XX/XX/XXXX and one XX/XX/XXXX, to Ditech for the past few months regarding how my payments have been applied, what is the corporate advance of {$60.00} for, and per the last modification I had I am not supposed to be charged late charges why all the sudden I have late charges on my account, why I do n't get my monthly statement like I am supposed to get monthly. So far no response except a letter to cure telling me how to pay to cure with no much to work with, but when I called the company they have double up on what I owe. I just need to know details of the payments applied since XXXX 2017 till now, why after all these years late fee start adding in my account, why is the advance balance for, where is my unapplied balance of {$160.00} applied to in XXXX 2017 because I was told to pay the {$370.00} to complete payment that was done.
Consumer complaint received 2023-01-31
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2020-05-04
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Management Recovery Corp. (NMRC) (TX)

I have encountered National Recovery on 3 occasions. On XXXX of XXXX, I received a call from a number that looked to be from XXXX County Courts. I was told by the court clerk that there has been suit filed against me and I needed to contact the the company for the court date. I called the number that she gave me and was told that I was contacted due to a pay day loan for XXXX XXXX XXXX. I was told that they were getting ready to take me to court and if I paid that day I would not have to court. I declined and told them they would need to take me to court. 

In XXXX of XXXX, while in the hospital. I received a call from National Recovery again stating that a law suit would be filed against me for check fraud on a pay day loan with XXXX XXXX XXXX. They again told me if I paid we would not have to go to court. I declined payment again and ended the call. 

Today XX/XX/XXXX I received a call stating that I had a delivery of court documents. The person told me that they had been an an old address of mine to serve me with documents and asked me if I would be home later this week. After ending the phone call I reeved a text message stating I could resolve pay day loan at their number. 

National Recovery seems to buy old debts, mostly pay day loans that are 7-10 years old and harass and threaten people with court if they don't settle the debt. I've have received these threatening calls 3 times and at this point I am fed up and would like them to leave me alone.
Consumer complaint received 2023-01-27
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. (NC)

I am a natural person, Iam a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times I demand the accounts listed below be removed because. According to 15 USC 1681 ; I have the rights to privacy and I did not give XXXX written permission to furnish these accounts. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Be removed under this law
Consumer complaint received 2020-05-04
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: CITIBANK, N.A. (WV)

On XX/XX/ 2020 a hard inquiry appeared on my XXXX credit report that I did not authorize. I contacted XXXX, who informed me to file a complaint with the FTC. This was a fraudulent inquiry. I absolutely did not apply for credit with Exxon.
Consumer complaint received 2017-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX  payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I tried to get access my credit score and reports through several online tools, such as XXXX and XXXX but they can't access my data and unable to obtain my credit report and score. They said that it might be issues on the redit Bureau level. 

The message I received when trying to get the report on XXXX : " We are temporarily unable to obtain your credit report. We are currently experiencing technical problems. '' What does that mean? Does it mean that my online request is rejected and I should request free report through the U.S. Postal Service? 
Do you have any recommendations what should be my next steps to get it online? 

Thanks a lot, XXXX XXXX
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT WORLD SERVICES, INC. (OK)

From XXXX until now XXXX XXXX XXXX university trying to cost me money that I dont have to pay, which is trying to cost me money for the XXXX  XXXX  insurance, the amount is XXXX dollar, the educational institution ( XXXX XXXX University ) claiming that I do have to repay the amount which is XXXX dollar, I was not at school at that time in Fall XXXX, so how the university trying to make me pay an amount that I did not receive any product from them at all! So the situation getting escalating, the XXXX XXXX University hired the collection agency ( Credit World Services , Inc ) XXXX XXXX Collection Specialist XXXX XXXX to pay almost XXXX dollar, I told to the collection agency I dont owe the university money! The collection agency ( Credit World Services, Inc ) keeping calling me in my phone many times! I am exhausted and trying to explain them many times!
Consumer complaint received 2023-01-31
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. (MD)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-02-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

my name is XXXX XXXX my father XXXX XXXX XXXX XXXX address XXXX XXXX tx XXXX passed away in 2021 XXXX i have payed XXXX toward the mortgage and escrow and I'm needing clarification on debt owed and plus change over from XXXX XXXX to the Wells Fargo. payment modification, in the summary auditinterest, owed, paid and in full. Wells Fargo hedge you have to get back to me.
Consumer complaint received 2021-03-25
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Contacted the company regarding my credit and they sent me this letter voluntarily. Sent it to all 3 credit bureaus and they sent back letter stating verified/updated when i want the account removed as per letter they stated they would dismiss. I called Credit bureau and was told they reached out to company and was told account was acurate and they werent removing account
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Despite my persistent efforts, the issues at hand remain unresolved. Your firm 's response to my letter sent to the credit bureaus suggests that my request for verification of inaccuracies on my report is considered " frivolous '' or " irrelevant. '' It is important to clarify that I do not regard a matter of such significance to me as frivolous or irrelevant. Should my original request to verify the items outlined in my previous certified mail be ignored, I am prepared to escalate the matter by filing a complaint with the Federal Trade Commission against your company. Therefore, a comprehensive reevaluation of the following information is necessary. I respectfully demand validation of the alleged item, specifically the contract, note, or any other document bearing my signature. If such evidence is not provided, I insist on the swift removal of these items from the report.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (LA)

This complaint is in direct response to Nordstroms inability to provide communication on a debt in the amount of {$410.00}. Nordstrom first filed the charged-off account with all three credit bureaus in XX/XX/XXXX. Since the filing, I have made contact with Nordstrom via USPS on the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. 

Nordstrom has failed to respond to letters requesting debt verification and has failed to respond to letters inquiring about a debt not associated with me. I hereby now request the assistance of the CFPB to investigate this situation further and find a resolution to this matter.