davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2021 I received a pre-qualification email from BB & T. I followed the link to their website and entered my information. It showed I was pre-qualified for 3 different credit cards. It gave an exact interest rate. I decided to go to the branch in XXXX XXXX XXXX, Texas and apply in person with a banker. I applied with a Banker named XXXX XXXX. I was given an instant approval for a credit line of {$3500.00} and a purchase rate of 19.24 %. I was provided some paperwork. One of the forms from BB & T showed my XXXX Credit Report was pulled that day with a score of XXXX. 
I received the credit card in the mail about 2 weeks later. I activated it and set up the Truist app ( BB & T changed its name to Truist ). I noticed my available credit was {$0.00} and the {$3000.00} balance transfer I submitted was listed as being declined. 
I called customer service and they told me the department I needed was closed. The next day I went back to the XXXX XXXX XXXX branch and spoke with another banker. I gave her the new credit card I received, my drivers license, social security card and my passport card. She was transferred around and finally put the call on speaker phone. A lady on the other end told me, the credit card agreement states that they can close my account for any reason and they are exercising their right to do so! She wouldnt give me a reason. 
The account has been listed on my credit reports as being open, with a {$0.00} balance and a {$3500.00} credit limit. 
I received a letter today that says : Description of Action Taken : XXXX has determined we will no longer maintain this account. I believe they are discriminating against me. I will provide pictures of my documentation below.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 120-150 ) days  late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, as well as a copy of my Drivers License and SSN card for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-15
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: EQUIFAX, INC. (FL)

XX/XX/2020 XXXX XXXX XXXX should be removed as they stated they did not pull my credit and was unable to pull my credit due to fraud alerts that prevented them from doing so. I informed them that it was being refected as being pulled but they denied this occurred, I had called each creditor to inform them of this and I have documented e-mails/calls from the company stating that they were unable to pull my credit. 
XX/XX/2020 XXXX XXXX should be removed from my credit because he pulled my credit after I informed him that I did not want to work with him. I have e-mails and text messages to support this.
Consumer complaint received 2017-01-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WA)

Per Santander they agreed after researching that they failed to send out the correct information for a deferment and end the paperwork out to correct email. The manager stated at the time that he would remove it from the credit and when I received the call back from the company they stated that was never agreed on and when requesting to hear the call they stated that I would need my attorney to request the call. They will lie and break FDCPA and FTC laws to get what they want for payments!!! Illegal acts.. I will be filling an complaint with my local attorney general to make sure this is resolved if you had nothing to hide then you could have played that call for me but you know that manager stated that he would remove it from my credit!
Consumer complaint received 2016-01-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage ( LOAN # XXXX ) told me that my escrow was short by {$3700.00} which I paid over the phone. I submitted my XXXX Veterans Property Exemption ( {$120000.00} ) prior to the property taxes being due, which also lowered my monthly mortgage payment. This mortgage company received the corrected tax bill of {$2300.00} and paid the old bill of {$3000.00} ( overpaid by {$700.00} ) because no one verified the bill even though they knew that I had been approved for the tax exemption XXXX XXXX Veteran ). I made the XX/XX/XXXX payment of {$1200.00} and I received letters that my mortgage payment for XX/XX/XXXX was short by {$300.00}, even though I made the full payment and have receipts for a full payment. This company continued to send me delinquency notices and stated in a letter that they turned me into the credit bureaus. After disputing that I did n't owe the additional amount and they discovered that the error was on their part, they send me a letter stating that they would adjust my account. I received another statement today ( XXXX XXXX 2016 ) and my account has not been adjusted. They send me a letter stating that I was in default of my loan. I have done my own research on this company and have found that they have done this same thing to other customers. This company continues to send erroneous collection letters to me and other customers stating that they are behind in their loan payments and that they are in default. I paid {$3700.00} and received an exemption of {$120000.00}, they overpaid my property taxes by {$700.00}, how would I owe anything????? Please make this company correct their error and send updates to my account to me and correct the erroneous credit reporting that they provided to the credit agencies. I have owned my home for 7 years and have never been late. I filed a complaint with the CA Dept of Business Oversight ( complaint # that my payment can now be lowered monthly to {$1300.00}. I was also informed that I would be due a refund of about {$1200.00}. As soon as the assessor made their corrections to the new lower property tax bill, I faxed to your office for your company to make the corrections. Each time I speak to someone in their company, they act like they do n't know what I am talking about. I have send letters and emails to this company demanding that they correct their mistake, it is damaging my credit Please make them refund the additional monies that they sent out to the XXXX Tax Assessors Office so that I may receive my refund. Their mistake has caused me financial hardship, because they made me pay money that I did n't owe.
Consumer complaint received 2020-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (CA)

BBVA compass bank has charged me over {$320.00} in fees over the last 90 days. They are not putting my transactions through in the correct order so that they can charge me several {$32.00} NSF fees. Although when I set up my account I told them I didn't want overdraft protection. And they still put it on my account. On XX/XX/XXXX I was charged 5 {$32.00} NSF fees and I called the bank and told them I wanted the overdraft protection removed. I have been charged 2 more {$32.00} NSF fees since then. The bank has refused to refund these charges and I'm having to pay for services that I previously requested to have removed from my account.
Consumer complaint received 2019-06-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MN)

Onemain I'm so sorry with all the complaints It's Just I have disputed this information with the Credit agencies so many times But they keep claiming that you verified the account as correct. But I beg the diff this is why so many disputes Per the FCRA a charge off should not report missed Payments XXXX Missed payment Please delete this account ASAP Due to fcra violation late payment for XXXX / XXXX / XXXX / XXXX of XXXX also XX/XX/XXXX This CAN NOT Report on the consumer credit files please delete from all three reporting agencies
Consumer complaint received 2022-12-18
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. (IL)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Report Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2020-07-20
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. (TX)

address wrong: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 

accounts not mine 
XXXX XXXX XXXX  dept of ed/ XXXX  (all)
XXXX XXXX XXXX XXXX XXXX XXXX
us department of edu (all)
XXXXXXXX XXXX XXXX  card
Consumer complaint received 2020-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

I HAVE TRIED NUMEOUS TIMES TO RECEIVE MY SETTLEMENT PAID LETER FRO LVNV RESURCHANTS CAPITAL XXXX WHICH HIRED AN ATTORNEY XXXX XXXX XXXX TO COLLECT THE DEBT. I SETTLED THE ACCOUNT WITH THE ATTORNEY. THE ACCOUNT WAS REMOVED FROM MY CREDIT REPORTD AND ALSO REMOVED FROM ANY JUDGEMENTS. HOWEVER RESURGENTS CAPITOL REFUSES TO ISSUE ME MY SETTLED IN FULL LETTER 3 TIMES WHEN I CALLED THEM IN XXXX EVEN THOUGH THEIR OWN ATTORNEY HAS RELEASE OF ANY OBLIGATION From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2020 XXXX AM To : XXXX XXXX XXXX Subject : XXXX : XXXX matter # XXXX I JUST CONTACTES RESURGENTS CAPITOL AND THEY STILL REFUSE TO ISSUE MTE A SIF LETTER AND REPORT THIS TO MY CREDIT REPORTING AGENCIES BECAUSE THEY STATE THAT YOUR FIRM STILL DID NOT RELEASE MY INFORMATION TO THEM WHICH INTIL THEY DO THEY WILL NOT ISSUE ME ANYTHING AND THEY REFUSE TO CONTACT YOUR FIRM TO VERIFY THIS INFORMATION. I HAVE PAID AND DID MY JOB TO SETTLE THIS I SHOULD NOT BE GOING THRU ALL THIS AGGRAVATION FOR SOMETHING I TOOK CARE OF. I SENT A COMPALINT TO CFPB AND THE FTC BECAUSE NOTHING ID BEINF DONE TO RESOLVE THIS MATTER WHICH I HAVE DID MY PART TO FOLLOW.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (NJ)

I am writing about a billing from the Public Defender 's Office dated XXXX/XXXX/XXXX. To date, TWELVE YEARS LATER, I still have not been provided with a detailed itemized bill listing the services rendered. I XXXX requested an itemized bill on XXXX XXXX, XXXX. That request went unanswered. My XXXX notice of the {$2400.00} billing was a XXXX XXXX, XXXX notice from XXXX XXXX XXXX advising me that the Office of the Public Defender referred my account to them for collection. I wrote again on XXXX XXXX, XXXX indicating I had not received any documentation, requested the detailed time sheets and asked what recourse I had regarding the gross professional negligence regarding the " service '' I received. No one in the office, responded to my letter. On XXXX XXXX, XXXX I received another notice, this time from Financial Asset Management Systems, indicating they represent New Jersey 's Office of the Public Defender for collection of the balance I owe. Again, on XXXX XXXX, XXXX I wrote still another letter, attached my previous request and asking for detailed information on the services rendered by the Public Defender on my behalf. 
The New Jersey XXXX XXXX XXXX XXXX XXXX sent me a printout dated XXXX XXXX, XXXX from XXXX omitting any contact information for any further inquiries. In addition, there was no reference to what recourse there is for any disputed charges, just long-worded reminders about their authorization and powers to collect through whatever means possible. I have serious issues with the billing and wrote XXXX XXXX XXXX from the NJ Office of Dispute Settlement on XXXX XXXX, XXXX. Unfortunately, many of those represented by the OPD do n't have the resources to do so and may very well be unfairly charged and financially victimized. I was referred to XXXX XXXX XXXX, Chief Fiscal Officer of the NJ Office of the Public Defender, who sent me an itemized billing and offered me a settlement of {$750.00}. I refused any settlement because I disputed the services provided in detail and XXXX XXXX said he referred my entire matter to the NJ Public Defender Management for a decision on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, according to XXXX XXXX, my matter was still under review. I have not heard a word from NJ Office of the Public Defender Management on my dispute nor an answer to my questions which I have been asking sinceNow, for the XXXX time ( XXXX, XXXX, XXXX, XXXX ) I am receiving collection notices, this time from XXXX of Michigan. I have not received the documentation I have requested for over TEN YEARS from the NJ Office of the Public Defender, but am receiving collection notices for a debt which is invalid. 
I can and will provide documentation, names, dates, etc. to support my statements.
Consumer complaint received 2021-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc. (OH)

Ive tried to explain to these people that I was in an car accident and all the medical bills were taken care of by my insurance company. A total of {$2000.00} was paid. It was a sprained thumb. What else could I possibly owe money for? Besides the fact that the bill was covered and paid for by my car insurance company. The bill was paid in two separate payments XXXX on XX/XX/20 and XXXX on XX/XX/20. Ive tried referring them to my insurance company several times and they just kept harassing me and now have sent my account to collections when I dont owe them anything. Ive also never received the bill from XXXX XXXX XXXX XXXX stating I owe anything other than what was paid by my insurance.
Consumer complaint received 2020-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IN)

I have been trying for 16 days to get access to money paid to me through PayPal ( PP ). PP is not doing live customer service. I have asked to talk to a supervisor and was told it would be " a long time before a supervisor would be in contact '' with me. The only way to get assistance is through messaging. I receive a message, usually once a day, coming in sometime in the afternoon. Each time it is a different person. It appears that none of them read the thread as I get conflicting instructions and information, each time. I am not able to access my money without linking my bank, but the system rejects me when I get to ( what I think ) is the last step of linking, which is adding my phone number. I have added my phone number into my account so why it is not able to access it or accept it is beyond me. Samples of advice I have been given : " After reviewing and validating your account, our system is not allowing this bank to be added on your account. Our system runs security check considering a variety of factors. For the meantime, please consider linking a different bank or perhaps you may try to link a card that you can use to withdraw your money. '' I bank with the largest bank in the U.S., so this is absurd. I am given instructions that ignore my statements about the error I receive. If it a complete joke. I am not able to transfer my money, nor get a check sent to me.
Consumer complaint received 2018-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

I refinanced my student loans from XXXX to XXXX XXXX inthe amount of approximately {$360000.00}. This refinance payment from XXXX XXXX was processed by XXXX on XX/XX/XXXX. There was an overpayment of over {$4300.00}. I have asked XXXX about the status of the refund of this overpayment multiple times. I spoke by phone in XX/XX/XXXX to an agent who said refunds are processed within 30 days. It has been a month and a half. I have send their customer service department two emails, both have gone unanswered. They have provided no reasonable explanation that they would delay in issuing a refund.
Consumer complaint received 2020-07-20
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. (FL)

I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....
Consumer complaint received 2020-07-20
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. (FL)

I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....
Consumer complaint received 2016-08-04
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

I have payment due dates for both Citi Cards and XXXX Cards on the XXXX of every month for which I send payment via USPS not less than one week pior to due date. On XXXX XXXX, 2016 I sent payment to Citi and XXXX for full balance due. XXXX Card posted my payment on XXXX XXXX, 2016 with an email acknownledgement. I checked my Citi account for an update for payment to find I had been charged a late fee and interest. I disputed these charges because the USPS has predictively made delivery within ( 3 ) or ( 4 ) days from mailing deposited day. I requested these charges be removed from my account
Consumer complaint received 2021-11-03
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. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX  - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ;
Consumer complaint received 2016-05-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I applied for XXXX in XXXX and submitted the XXXX to do a short sale. The servicer SLS issued an approval good for 120 days. I did not have a buyer and switched to do a loan modification. The modification was declined. I recently listed my home in XXXX and have found a buyer. SLS will not allow me to participate in XXXX anymore and said that it had expired back in XXXX. They said they only allow the homeowner 's a one time courtesy to participate in the XXXX program. I need help with relocation assistance because I was unemployed for some time and that was the cause of my mortgage delinquency. I have requested them to provide me the investor information and contact info, but SLS will not provide the contact phone number, only the name, which is XXXX XXXX. I do not understand why SLS is saying no, as the investor also gets reimbursed and paid money from the XXXX program. They are not willing to make any exceptions. 
I currently have a buyer who also is willing to pay for the XXXX delinquency dues of $ XXXX. The short sale has been over 30 days now and submitted to SLS. I do not know how long the buyer is willing to wait. I have already received the Notice of Default on XXXX/XXXX/16 and if the buyer walks, the investor can proceed with filing a Notice of Trustees sale and the property be foreclosed if I ca n't find another buyer that is willing to pay an additional $ XXXX out of their pocket. 
The only thing holding up the close of this short sale is SLS not allowing me to participate in the XXXX program. SLS has everything else they need to approve the short sale.
Consumer complaint received 2021-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Have sent multiple letters dating back to XX/XX/2021, and XX/XX/2021. I have yet to receive a response about my investigation in a timely manner. I have recently sent another letter regarding this manner on XX/XX/2021 and had this sent via certified mail from the Unites States Postal Service requesting changes to be made to my credit profile because they failed to respond to me at all. I feel as if i my request werent taken seriously and i was ignored. Ultimately i want the inaccurate information that is reporting to my credit profile removed. I have made several attempts to resolve this matter. Transunion needs to be held accountable for neglecting my request by not responding to them at all. My credit profile affects my life in the real world, and is causing me difficulties closing on a home.