davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (OH)

There is a hard inquiry on my XXXX  credit report from Suntrust Bank XXXX XXXX, dated XX/XX/2019. I did not apply nor authorize this company to conduct a hard inquiry on my credit report.
Consumer complaint received 2018-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: La Casa Bonita Investments (OH)

Original complaint number : XXXX On XX/XX/2015, I contacted the number that was played on the radio regarding paying back Federal student loans that were income driven. I called the number and got set up. I was connected with an XXXX how gave me his direct number ( XXXX ) for further questions after I completed the documents. I paid the {$590.00} as suggested and a monthly service fee of {$39.00} for the duration until the amount was paid off. When I originally filed my complaint, I did not send those documents, because I could not find them. I was under the impression during the phone call that all monies would be going toward my loan and that large amount was to get it started. Later, I found it was a fee to pay to the 1File.org for setting me up to have my loans paid with lower payments. I also found that it was not legal to do so. 

Therefore, I am submitting the documents, once again, for your review.
Consumer complaint received 2018-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (OH)

I am tired of XXXX trying to collect on a debt I Do Not owe. XXXX had sent an account to a debt buyer under the name XXXX  XXXX, I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. Around XX/XX/2018 I was notified that XXXX XXXX had reported on my reports and the original creditor was XXXX. I received a collection letter from Convergent claiming I owed the debt so I requested a Debt Validation and they Did Not validate the debt as mine nor did they supply me with the original contract with my name on it. They merely sent to me a bill print out. XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector after its removed from my credit reports. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX and have included it in this complaint.
Consumer complaint received 2022-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had two accounts with Capital One and I sent my payments on time every time with automated payments. For some reason they moved the payment from this account to the other account. So, there were two payments made on the other account and none on this one. When i called and complained they fixed the issue in the next month after i received a notification and though they told me on the phone that they would remove teh late notification, they never did. I want Capital one to check both accounts and verify what happened and then correct the error in reporting.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (CA)

Equifax has refused and denied to remove unauthorized credit inquiries from my credit report in compliance to the consumer laws under my rights to dispute all inaccurate information. Also I have fraud alert with Equifax and theses inquiries should not have been permitted without my authorization.
Consumer complaint received 2020-11-22
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. (FL)

Greetings, I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2019-11-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (PA)

This is a general issue with all financial institutions and just not limited to Wells Fargo Bank I am making a complaint below. I had the same issue with XXXX XXXX just less than 6 months ago. 

History : I have a Way2Save Savings account with Wells Fargo. To keep my life simple and structured, I plan a year ahead of time and set up Automatic Bank Transfers to increase my balance in the Savings A/c. I have set up Recurring Deposit {$100.00} ( once every 2 weeks ) from another financial institution into the Way2Save Savings account. 

Issue : On XX/XX/2019, I got an email that the scheduled transfer ( of deposit to Way2Save ) was unsuccessful. I find out the reason that the Way2Save account has been disabled for the due to NO deposit or withdrawal from the account by visiting a bank ( physical brick and mortar ) in the last 24 months. The message that accompanied the warning was the one that was far intimidating It read that if the account had been inactive for long period of such inactivity, then the state ( govt. ) can claim the balance in my account under the term of escheat. 

This is really atrocious. In my mind, State Govt. or any Govt. authority can not come in between a private individual and a financial institution to claim any money, even if it stays inactive. It is not a lottery money that the State can claim. It is hard earned money of an individual ( and possibly to the individuals immediate family needs, if the account holder is deceased ). 

I find that this kind of term applies to an individual checking/savings account with a balance on the account with period of inactivity.. but when it comes to an account such as mortgage account with the same bank, I am sure there will be no such disabling done for not making a mortgage payment for a period of time. ( Of course, the home with the outstanding balance will be taken over by the bank ). 

I opened a case with Wells Fargo bank to register my complaint, but as per the existing rules, I am sure they have nothing much to do. But this law is something that is not sitting well in my mind. How can a regular / periodic deposit of {$100.00} once every 2 week, not be considered as a transaction? Why would I have to walk into a physical bank to make a dummy deposit or withdrawal to keep my account active? Even if the crazy rule/law needs me to keep my checking/savings account active, I have never gone into a bank ever to make my mortgage payment Why dont they have law to make the mortgage account inactive? I am will happy to not pay money back into my mortgage.
Consumer complaint received 2019-11-02
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (FL)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (UT)

In XXXX of XXXX Freedom Mortgage lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at Freedom Mortgage but was never processed. When we discovered our payment had not cleared the XXXX XXXX my wife call Freedom Mortgage. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with Freedom Mortgage : 1. 13 phone calls with dates and names of Freedom Mortgage representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing Freedom Mortgage has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was XXXX we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX XXXX XXXX was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other Freedom Mortgage customers aren't put through what we have been through. Please help!!!
Consumer complaint received 2020-09-07
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. (TN)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX XXXX ) & XXXX ( XXXX XXXX ) Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : Proof of my identity for verification purposes. ( front of ID, and copy of information on vehicle. ) A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (TX)

Good Morning Sir or Madam, I am filing a complaint against Direct Express. Every first of the month, {$430.00} is posted on my Direct Express debit card. I called XXXX to check the balance on the card, it says the {$430.00} was posted into the account on XX/XX/XXXX, but also there was a {$230.00} charge on the card XX/XX/2019 that I did not authorize. I called repeatedly to inquire about the charge because I don't know where it was from. I want to dispute the charge, but unfortunately after several attempts, I kept getting a message reading high call volume, try again later. I called the social security administration they said, once the send money to Direct Express, it's out of their hands. They said for me to try to call Direct Express Saturday morning @ XXXX. Unfortunately, I called today, Saturday XX/XX/2019 and keep getting the same recording. I have no way of knowing why my funds are missing or who is responsible for the charge. Direct Express number listed on the card is XXXX. There is no address listed on the card. I searched their website for an address. XXXX. XXXX XXXX XXXX XXXX, TX XXXX is listed. Can someone please help me? 

My contact information : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas. XXXX Phone :. XXXX
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Frost-Arnett Company (TN)

Hi this collection company called me during a covered pandemic hardship that my son and I were facing as me being a XXXX  mother raising him alone and it seem to be a problem with insurance company not processing their in of the payment to the hospital but I also explain to them that we were going through this and then today they decided to go ahead and report this to the credit bureaus when they know that were going through a pandemic crisis theyve been informed by phone when they called me and the situation that were facing as I have notified all of the other companies that we have accounts with as well including all of our credit cards and all of our loan company and the loan companies all of which I have unemployment insurance with that still have not reported that properly to the bureaus all the way because they were notified on XX/XX/XXXX at the start of this situation and there should be reporting no late payments or miss payments. As I got all of them three loan companies the proper and appropriate paperwork right away as of XX/XX/XXXX of 2021.
Consumer complaint received 2021-04-27
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. (FL)

This is my second message already and I still can not get rid of fake accounts in my profile. Why do I have them still if I filed Identity theft and proved that these accounts are not mine and that somebody just used my personal information? These fraud accounts are killing my report! What else do I need to do in order to make you remove them from my profile. Why Do I have to have this misleading information in my credit report for so long????? Please get my point and take appropriate actions ASAP
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (PA)

XXXX XXXX is continually pulling soft credit reports against my will. I want them to stop as there is no reason for them to pull my report as I am not interested in a credit card. They are doing it to keep my credit score low.
Consumer complaint received 2020-10-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (IL)

Fraud in International Transfer of Money From USA to XXXX XXXX Company Transferring Money -- -XOOM/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  CA XXXX XXXX -- - XXXX or XXXX Sender -- XXXX XXXX XXXX XXXX XXXX IL XXXX Phone XXXX Receiver -- XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  Account in XXXX XXXX -- 1 ) I ( XXXX XXXX ) sent using XOOM to transfer $ XXXX/ from own XXXX XXXX XXXX IL XXXX account to My Wife XXXX XXXX  XXXX XXXX XXXX XXXX XXXX account an agreed XXXX Rupees XXXX/- within 2 business days. 
2 ) Transaction ID -- XXXX XXXX XX/XX/2020. 
3 ) Since then I contacted XOOM USA several times and XXXX XXXX   In XXXX but have not received XXXX Rupees in XXXX account till XXXX XX/XX/2020. 
4 ) XOOM has been delaying reply and buying time giving excuses and hiding behind XXXX XXXX inefficiencies. I am seeking your attention and help to recover full money from XOOM and deposit money as per agreement signed ASAP. 

Thanks XXXX XXXX
Consumer complaint received 2021-04-27
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 my second message already and I still can not get rid of fake accounts in my profile. Why do I have them still if I filed Identity theft and proved that these accounts are not mine and that somebody just used my personal information? These fraud accounts are killing my report! What else do I need to do in order to make you remove them from my profile. Why Do I have to have this misleading information in my credit report for so long????? Please get my point and take appropriate actions ASAP
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: General Motors Financial Company, Inc. (TN)

I have been using a credit repair service to validate debts and inaccuracies on my credit reports. I've had several inaccuracies with GM financial getting a response or getting items confirmed. The issue is they are reporting several late payments including late payments in 2021 which are false reporting. I've provided XXXX  payment history to the firm representing me and GM has not verified, replied or removed the inaccuracies. They have also reported a repossession of my vehicle in XX/XX/2021 which is not at all true. I paid my vehicle off in XX/XX/2021 and have a copy of my title. Unfortunately they are reporting late payments especially in 2021 and can not or haven't verified with me or the firm I'm using. Now they have put a repossession on my credit. I am seeking for some accountability and fairness in this situation please.
Consumer complaint received 2017-08-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

Recently I learned that Enhanced Recovery Corp. had reported to XXXX I owed XXXX XXXX XXXX {$22.00} that I was not willing to pay. This was a complete surprise, since Enhanced Recovery Corp. had not contacted me in any way about this. Not only that, but neither had XXXX XXXX XXXX. So I called XXXX XXXX XXXX. They searched all of my records for the to the very first time I opened my account with them three years ago, but could not find a record of any unpaid bills whatsoever. Yet, this is on my credit report causing unnecessary damage.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have a membership with XXXX i corrected with XXXX when i noticed they had wrong information on my credit report they have XXXX XXXX XXXX on there which iam not my middle name is XXXX or maiden name XXXX please correct.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account does not belong to me.
Consumer complaint received 2020-11-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/2020 I used my WesternUnion App to Transfer {$750.00} using the bank account option which the App states it can send faster and direct from my account to the person 's account. I had previously used the App in previous transfers but this was the first for the direct from bank option. Although it stated it was instant and secure, the recipient did not show money was in the account as WesternUnion stated. I cancelled the transaction on XX/XX/2020, thinking there was an issue as there had been delays with banks lately. My App showed the transaction was cancelled and I was to receive my {$750.00} refund within 7 business days. 

I later received an email on XX/XX/2020 from WesternUnion that they were cancelling and refunding me back my {$750.00} MTCN XXXX. After 7 business days I started calling and inquiring WestenUnion about not yet receiving my refund. I was told several times they were processing my refund and if I don't see it to contact my bank XXXX  XXXX XXXX. I contacted XXXX XXXX  XXXX and they stated they did not see it and sent me proof it was not received. I then contacted WesternUnion back and was told ok yes it is still being processed. By this time I had sent emails, XXXX messages and called about my refund. Each time I was told I would receive it. 
I finally filed a complaint with my bank and they denied it saying WesternUnion said it was a recurring charge which was not true. This was a one time transaction and should've been returned. XXXX XXXX XXXX is now stating there is nothing they can do and I have not been successful with WesternUnion to successfully receive my refund of {$750.00}.
Consumer complaint received 2021-01-25
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: SYNCHRONY FINANCIAL (CA)

Synchrony bank XX/XX/XXXXcredit card was applied on XX/XX/XXXX, for the promotional reward of {$150.00} when spend {$500.00} or more within 30 days of account opening. 

Numerous inquires have been made since the XXXX statement, requesting for the {$150.00} credit on the statement, and the responses have consistently been " ... will show up on the next statement. '' Received a letter from Synchrony Bank, dated XX/XX/XXXX, stating that " ... the statement credit in question will appear on your billing statement within 1-2 billing cycles ... '' On XX/XX/XXXX ( after 2 billing cycles ), contacted the bank and spoke with the Supervisor ( XXXX XXXX, as a result of not seeing the {$150.00} credit. She had indicated that the credit did not appear on the statement because I have a {$0.00} balance in the XXXX billing cycle. The reward credit will appear in XXXX 's statement, only a balance is generated within a billing cycle. I mentioned that I have never heard of this process before, and XXXX repeatedly said " ... this is the way we do it ... '' It should be noted that the this particular process was also confirmed via chat with a representative on their website. 

On XX/XX/XXXX, contacted that department again just to confirm the credit upon a purchase on XX/XX/XXXX. I was told that I am not eligible for the reward program ; however, a request has been submitted for further evaluation on XX/XX/XXXX.