davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation (TX)

XXXX XXXX XXXX reported the same item on my XXXX Credit three times. The account number is XXXX for the amount of {$670.00}. The original account number is XXXX. The reporting dates are XXXX XXXX twice and XXXX XXXX
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Select Management Resources, LLC (AZ)

On the morning of XX/XX/2021 while getting in my car, I was approached by a neighbor in my apartment complex who informed me that a tow driver from LoanMax had come into our parking lot and began snapping pictures of my license plate and car. When the driver saw the neighbor, the driver informed the neighbor that the neighbor 's car would not be towed and proceeded to tell the neighbor that he was only seeking photos of my car and that my car was currently on " hold '' pending loan payment. He also showed the neighbor " proof '' that my car title loan was on hold. I did not authorize LoanMax to communicate with anyone other than myself. This is a direct violation of the FDCPA.
Consumer complaint received 2019-11-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (CA)

Hello, I recently closed on my home on XXXX XXXX 2019 with Veterans United as my lender. Today, on XXXX XXXX 2019 I logged onto their website in hopes to make my first home payment which is due on XXXX XXXX 2019. However, I came to find out my loan has been transferred to XXXX XXXX. My concern is not with the transfer. I understand these occur and a stated in the closing documents. My concern stems from my understanding both my old ( Veterans United ) and new ( XXXX XXXX ) lender have a legal obligation to inform me no less than 15 days PRIOR to the effective date. No one from either company has emailed, mailed, or called me regarding this transfer. I still have yet to be told from either lender of this transfer.
Consumer complaint received 2018-12-08
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)

I HAVE SEVERAL HARD INQUIRIES ON MY CREDIT REPORT THAT DONT BELONG TO ME! SOMEONE IS TRYING LIKE CRAZY TO APPLY FOR STUFF IN MY NAME! 

XXXX  : - XXXX/XXXX  XX/XX/2018 XXXX  - XXXX XXXX XXXX XX/XX/2018 Bank Credit Cards -  XXXX XX/XX/2018 Finance, personal XXXX : - XXXX  XXXX XXXX XX/XX/2018 Bank Credit Cards - XXXX - XXXX XX/XX/2018 Miscellaneous Utilities - XXXX XXXX XX/XX/2018 Telephone Companies - XXXX/XXXX XX/XX/2018 Personal Loans Cos. 
- XXXX/XXXX  XX/XX/2018 National Credit Card Cos. 

TRANSUNION : - XXXX  XXXX XXXX  XX/XX/2018 Bank Credit Cards - XXXX  XX/XX/2018 Credit card and travel / entertainment companies - XXXX XX/XX/2018 Utilities and fuel - XXXX XX/XX/2018 Utilities and fuel - XXXX  XX/XX/2018 Utilities and fuel
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (TX)

This account was charged off in 2016 and was just recently reported on my credit. This account is closed and needs to be removed off of my credit from all three bureaus immediately. The amounts are changing & this creditor is applying balances when an account is closed. Please advise
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conns XXXX XXXX account # XXXX was sent to a collection agency named XXXX. The phone number for the collection agency XXXX was provided to me by a customer service representative from Conns, Ive called XXXX at this XXXX several times, no one answers the phone and it will ring until eventually going to a voicemail, voicemail message asks you to leave a message with your contact info and a brief description as to what the call is about. I have left several messages ( at least 8 ), I have included in my messages my contact info and the account info for which I am calling about. I have yet to receive a call back from XXXX. All I am trying to do is settle my debt and have the negative mark in my account deleted, and have XXXX report to the credit bureaus that my account is paid in full. I am baffled at the fact that it is so hard to get to speak with someone at XXXX or even to get a phone call returned.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (IL)

Acccount Number XXXX, Wells Fargo. Master Card The issue is they stopped sending paper statements and I was not aware of this situation. Statements Stopped after XX/XX/XXXX. I have asked Wells Fargo to remove late fees and report to Credit Agencies as this was their mistake. They do no seem to be taking responsibility for this mistake. I am asking for a XXXX credit for these late fees and removal of any negative reporting to the agencies. Wells Fargo case # is XXXX
Consumer complaint received 2021-02-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (MD)

My father passed away XX/XX/2020. He has a checking and savings account with Suntrust bank. There is a beneficiary on his checking but none on his savings, so I ( his only child ) am entitled access to his account. I had an appointment at Suntrust on XX/XX/XXXX and met with Ms. XXXX ( will give name if requested ) to discuss his account and I completed and signed an Affidavit and Application for Deposit. While there Ms. XXXX, informed me that someone requested a hold on my father 's account. She did additional research but I was not allowed any information or access to my father 's account. Since then, I have called Suntrust Customer Service, and I called the Suntrust bank in XXXX, Va and spoke with a lady ( will provide her name if requested ) but she was of no assistance. She passed the call along. Other than Ms. XXXX, no one from Suntrust has communicated with me about his account. I have had " hang up '' calls, representatives that state they can not help me, or messages taken but no return calls.
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (TN)

XXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the Navient Fraud Department and the XXXX XXXX. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked Navient to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. XXXX XXXX told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

On XX/XX/2021, I went into a local branch of Fifth-Third Bank and opened an account. During this account opening which occurred inside the bank, I was able to set up my online access in the presence of the account representative. After leaving the bank and over the next few days, I attempted to access my bank using both my mobile phone device via the appropriate mobile app for my XXXX and using my laptop computer running XXXX XXXX XXXX ( Both XXXX web browser and Internet explorer web browser ). During these attempts where I was logging in and reviewing the website and my account profile, I would be prevented from setting up and using the online bill pay section of the 5/3 banking site. On or about 4/30/2021, I called their customer service number and spoke with a representative and explained my frustration with : 1 ) Being locked out of accessing the website via my computer and mobile device. 2 ) Being unable to set up a new payee. She indicated that my account had been flagged as being new and that their system had flagged my account as a " high risk ''. She then made a suggestion that customarily the risk would go down if I refrained from logging into my 5/3 account for 24-48 hours. I spent the entire weekend refraining from accessing my account via mobile device and laptop computer. 

On XX/XX/2021, I attempted to gain access to my account and was successful in logging into my account via my laptop computer. I then proceeded to set up a new payee for my XXXX XXXX. When I attempted to set up a payment for the new payee, I was able to get all the way through choosing a amount and date, but when I attempted to click the confirm button, their website responded by saying something to the affect of 'You are not allowed to do this, please contact the following number '. 

On XX/XX/2021 @ XXXX, I returned home from work and attempted to gain access and to schedule an online bill for the above listed XXXX XXXX I again was stymied by an inability to enter the website till I called customer service and was instructed to clear my browser history and cookies. Eventually, I was able to access my account via my laptop by using XXXX XXXX as my browser. Still on the phone with customer service, I attempted to schedule an online bill pay to XXXX and was again presented with the same notification at the final stage of confirming the amount/date. The customer service rep told me again that my risk score was " high '' and their was no way for her to reset or override this 5/3 banking alert.

I therefore am making an official complaint that 5/3 is restricting or preventing me from using money that has legally been deposited into my account and which they have no reason to restrict access to. My only way of accessing these funds is to physically walk into a branch office.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Please see the attached document outlining the errors and lack of investigation on the following disputed charge : Date XX/XX/2020 Amount {$1700.00} XXXX XXXX XXXX XXXX XXXX TX CITI failed to properly investigate this dispute charge as evidenced by the following : 1. ) The documentation provided by the merchant was not only provided to me far past the allowed timeframe to finalize the investigation.

2. ) The documentation provided by the merchant is for a charge months after the disputed charge took place.

3. ) The documentation provided by the merchant is for a completely different amount than the disputed transaction.

4. ) CITI changed the dates of the dispute, as well as the dates of the charge in their correspondence.

5. ) CITI employed deceptive trade practices and subterfuge in an attempt to make me believe my consumer rights did not apply. 
6. ) CITI failed to follow Reg Z and Fair Billing Practices Act, as well as the member agreement and the XXXX dispute resolution guide. 
7. ) The disputed charge was made on a previously reported stolen card, which had been closed. Furthermore, the card was not even present at the time of the transaction.

8. ) CITI failed to properly protect my information by providing the merchant with the new card information, despite knowing the card had been compromised and stolen.

9. ) CITI failed to provide the ledger of charges as promised in their letter.
Consumer complaint received 2020-11-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2024-05-08
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I filed a prior complaint with CFPB, and contact was made with Incomm on XX/XX/year> with XXXX. They agreed to provide the refund on the prepaid cards, along with the activation fees, since the cards can not be used. They were awaiting documentation from me, which took a while, since I was traveling. All documentation, which was excessive, but I complied, and sent in on XX/XX/year>. Stated check would be received within 10 business days. No check has been received. They are now stating they do not refund activation fees, despite promising refunding them, and saying checks were issued on XX/XX/year>, which is not the case. Additionally, I request to speak with a US Based representative, and have a direct line of contact going forward for all issues with Incomm and Vanilla Visa, as I want a refund of all my cards purchased from them. They are constantly rejected for no reason. While I understand security measures to protect funds, they need to implement different and better security measures.
Consumer complaint received 2023-01-09
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. (PA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jacob Law Group, PLLC (CA)

Today, XX/XX/2019 around XXXX PST I received a call from XXXX and the first thing I was asked for was my social security number. I asked what the purpose of the call was and was told that would be given once I told them the last 4 of my ss #. I told them I need to know who they work for, they wouldn't tell me. I told them I needed to know what the purpose of the call was again and they said I would need to give the last 4 of my ss # for them to tell me. Reluctantly, I gave them the last 4,  then they told me I owed money in delinquent taxes to the state of Mississippi. This is false. I have paid all of my taxes in MS and I haven't even worked in that state in over 3 years. They said they had been sending stuff to my previous address so I said mail it to my new address. Since I do not owe anything, I believe this to be a scam as they couldn't even tell me what company they worked for. It will be interesting to see what they end up sending me in the mail, as I do not owe anyone anything.
Consumer complaint received 2020-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

on XX/XX/2020, my account was hacked and charged {$300.00} on my credit card. The company, paypal said they would do a long investigation but ended up closing the dispute the same day. The address on the transaction isn't even my correct address.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX i sent Transunion a method of verification letter. To this day they failed to send me a method of verification to validate the alleged debt thats on my credit report. I am in the process of buying a home and I am very stressed the way they handled the situation By law if you are unable to prove it, you must remove it. All the disputed accounts are unverifiable. Transunion is under violation under 15 USC 1681
Consumer complaint received 2019-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (NY)

I Opened a TD Bank Checking Account online on XX/XX/2019. 

Account was immediately locked and required me to come into a branch to with my State ID to prove my identity. However because I was living in California at the time I couldnt go into a branch because TD bank doesnt have any branches in the state of California. 

I called to explain this multiple times over the course XXXX, XXXX and XXXX and each time a customer service rep would refuse to help me further. Because of this my locked account gained {$50.00} in service fees even though I wasnt able to use the account. The customer service reps refused to close my account or waive the fees. 

I was finally able to go visit NY in XX/XX/ 2019 in which I asked to close my account in a TD Branch ( XXXX and XXXX ). The Customer Service rep at the bank was also rude during this interaction and refused to help with me. He demanded that I pay the {$50.00} in service charge in cash so he could close the account. I had no choice but to do so or else my account would continue to gain fees. 

Through this whole experience not a single customer service rep was helpful and provided a terrible experience.
Consumer complaint received 2021-09-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am writing to complain about all three credit bureaus - XXXX, Experian and XXXX.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (MO)

Hello. During the Application Process of getting a Credit Card w/ AVANT***, their website eventually brought my attention to Loans*** BUT NOT FIRST OR RIGHT OFF. [ Note : I did NOT know of their Loans and was sent a Credit Card Invitation by Standard Mail ... NOT a Loan Invitation OR anything about Loans, Etc. ] W/that said, my coming across Loans was of GREAT immediacy for which I am tremendously thankful and made it so as soon as I did, I applied on-line for a Loan and several times since nothing appeared to be working correctly time and time again. What I did NOT and did receive from AVANT about Loans appeared to be compromising*** my e-mail information AND the e-mail information of ONE AND TWO accounts, my contact information, my personal information, etc. and made me so extremely, extremely UNcomfortable to the point of POTENTIAL victimization that I called AVANT right away about both ... To eventually learn -to sum this up simply- that you can NOT have both ( Credit and a Loan ) at the same time.

Having said that too, what they did to me was so victimizing, etc., that I left the Credit Card AND the Loan w/ GREAT immediacy. Everything is of GREAT immediacy here!!!! Closed both. Have ABSOLUTELY NO interest in either or in their company and its business practices ... And do NOT approve of what they did to my e-mail accounts, my accounts, my account information, my password AND passwordS, etc. -they appeared compromised- and it still appears to have some continuance when it should have NONE. Very malicious, suspicious, and criminal-looking and -acting. Credit and Loans I have NO interest in whatsoever. A Company in need of correction.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OK)

I requested a School Misconduct Discharge Application, but Navient denied my request stating " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' They seem to be denying my ability to receive relief from harm, based on a technicality. The loan I have is still a student loan according to Navient, and I was required to submit documentation from my school when applying for the refinancing loan. Additionally, Navient claims loan privileges, such as inability to discharge easily in a bankruptcy, that are equivalent to any student loan.