davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Poser Investments, Inc. (WI)

I opened a equity reserve line of credit with XXXX XXXX XXXX XX/XX/XXXX for {$20000.00}. 
Debt collector purchased this loan in XXXXand now at the end of XXXX sent me a notice of default and demand for payment XXXX XXXX XXXX  became XXXX XXXX in XX/XX/XXXX. 
My last payment to XXXX XXXX was XX/XX/XXXX. XXXX XXXX closed my account as of XX/XX/XXXX. XXXX XXXX charged off my loan XX/XX/XXXX. XXXX XXXX sent me a settlement offer dated XX/XX/XXXX for {$4200.00} at that time the total as of XX/XX/XXXX was {$21000.00}. 
I did not pay the settlement offer due to the fact I did not have {$4200.00} at that time. The last correspondence I received from XXXX XXXX was dated XX/XX/XXXX. 
I filled for bankruptcy XXXXand my discharge date was XXXXWhy did I not receive a notice of default after my bankruptcy was discharged? I did not receive any notice of default until the letter dated XX/XX/XXXX.
Consumer complaint received 2022-01-07
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One gave us a grace period for a couple of months during the early part of the pandemic. We turned off our auto pay. We received a notice in XXXX that we had missed a payment that nearly a month late. We promptly responded, paid the late fees, and then paid of the remaining balance by the third week of XXXX. The car loan was closed out 6 months early. We have never been 30 days late during the time of the loan. It was just a clerical oversight. We normally had automatic payment. Capital One never contacted us first before filing the delinquency with the credit bureau. Our credit scores have dropped by 50 points because of this. This action is an egregious abuse of power especially during such a steep economic recession. We even made a payment during the brief covid-19 holiday they gave us.
Consumer complaint received 2022-04-06
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. (NY)

There are multiple student loan accounts that suddenly appeared on my credit profile which are fraudulent from the year 1999 from DEPARTMENT OF EDUCATIONXXXX XXXX which accumulated over {$200000.00}
Consumer complaint received 2020-10-12
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. (IL)

XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine.
Consumer complaint received 2019-11-04
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. (TX)

Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

A Citizens bank account was fraudulently open in my name back on XX/XX/XXXX XXXX XXXX I called to resolve it and was told they would flag my account as fraudulent and I was informed that it would not be able to be open again. I got an email today XX/XX/2022 asking how my recent experience was with Citizens bank. I called them today after seeing the email and the representative told me that I never had a bank account with them. When I read the email address back to them from previous emails about opening an account they confirmed the email address was from Citizens bank. I do not want to bank with them and would really like for this fraudulent account be closed. I have worked hard to maintain a good credit score and I am a week away from closing on my house I can't have this on my file.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AL)

On XX/XX/19 I made a payment of {$200.00} conf # XXXX. Also, on XX/XX/19 I made an additional payment of {$39.00} conf # XXXX. 

The {$39.00} payment I made on XX/XX/19 was not applied to my account until XX/XX/19. I spoke with XXXX on today, XX/XX/19 in regards to the issue and she said there was not anything that could be done to adjust the payment to the correct payment date of XX/XX/19. XXXX stated there has to be a 7 day delay in processing of check payments. The 7 day delay in payment is not Terms and Conditions, nor is it written on the disclosure on back of the statements. Company is unable and unwilling to adjust my payment date neither are they willing to adjust interest that has accrued over the 7 days.
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

On XXXX/XXXX/2017 2 debts were removed from my credit report and on XXXX/XXXX2017 they were put back on my credit report without being notified this is illegal the following accounts are : XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$150.00}
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I closed my Truist bank account and attempted to collect my {$500.00} bonus for opening said account, Truist did not pay the bonus and that is why they currently have two open complaints regarding that issue. 

Today they finally attempted to reach me, not by email as I've explicitly stated was my preferred method of contact, but rather they decided to call me again .... And during this call Truist Bank proceeded to admit that they actually never closed my account back in XXXX and Truist was trying to charge me fees even though they were refusing to return response to my complaints in which case they could've resolved all issues, instead, today they've created yet another complaint for not closing accounts when asked to. 

XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX did my account closing and told me he would not be able to close it immediately because they had to wait 24 hours to close accounts but that he would have it closed the next day. 

When XXXX didn't call me then next day I did go into the branch and asked him if the account had closed and why I hadn't received my bonus, he said he would look into it, nobody from Truist every looked into it. 

Now Truist wishes to charge me fees for closing my account when they legally owe me {$500.00} ... .. CFPB, what exactly do you do?
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I am looking to update my credit report the proper way and correct a few errors I have found. First up I do not live at the following addresses : 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 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 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 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
Consumer complaint received 2017-08-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (PA)

On XX/XX/XXXX, I attempted to open a brokerage account and linked checking account with Charles Schwab. A few days later, the account was abruptly closed, and on XX/XX/XXXX, I received 2 pieces of mail informing me that the accounts were closed due to my credit score as reported by XXXX. While the disclosures provided during the application process indicated that Schwab may obtain information from consumer reporting agencies, I reasonably assumed that such information would be used for identification purposes, and that nothing beyond a " soft pull '' would appear on any credit report. Nowhere on Schwab 's website, and at no time during the application process, does Schwab disclose that a minimum credit score is required to open a brokerage account - and I at no time applied for an extension of credit from Schwab. Schwab is certainly free, subject to statutory limitations with respect to discrimination, etc., to choose its business partners. As a consumer, however, I have a reasonable expectation to know what specific information may be sought about me, and why specifically Schwab believes it needs such information.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (FL)

To whom it may concern : - I have faithfully paid my suntrust credit over the last year and several months. During a regular check of my credit report, I noticed that they had reported my account 30 + 60 days late. I had attempted multiple payments over the period that they reported me late, and each one of the payments was reversed. ( I have documentation of this ). XXXX  Payment for {$3000.00} reversed by Suntrust XXXX Payment made by me for {$2400.00} XXXX Payment for {$2400.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} reversed by Suntrust - I visited multiple branches to speak with branch managers to rectify the issue, and was assured that once I brought my account current the reporting would be rectified. Since they were reversing my online payments, I went to my bank immediately and obtained a cashiers check to bring my account current. Once I did this, I was informed that there was nothing they could do to bring my account current. 
- I had multiple, very lengthy calls with the credit department and each time was told they would not be changing the status on my credit reports despite all the evidence of payments made and then reversed by suntrust. 
- I submitted a letter & documentation to all 3 credit bureaus documenting the above facts, and no changes have been made.

I am happy to submit additional documentation and would just like the inaccurate reporting to be corrected with the credit bureaus.
Consumer complaint received 2020-07-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (NJ)

Hello team consumer financial government, I yesterday register company Sofi money https : //www.sofi.com/ for open checking account, after verify my identity documents us passport too more documents, they force upload photo of driver license card, without it, they said unable approved account in application company, I request letter by Admin/CEO, refused to allow an option, it's totally abuse, I believe that too against law, force only provide driver license card, of course it's no legal, I don't get any solution for reslove the problem.
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mendelson Law Firm (TN)

Apologies for the lack of information provided in my earlier complaint. On XX/XX/XXXX, my employer received a notice to garnish my wages from Mendelson Law Firm. Prior to this notice, I had never heard from this law firm, despite the fact that they somehow had my correct phone number on the papers that were served. 
The debt in question was from a XXXX credit card that I opened XXXX years ago. Frankly, I had forgotten about that card and assumed that the statute of limitations had run out on it. The amount listed was {$1700.00}, though my original credit limit was only {$1300.00}. 
I called Mendelson Law Firm to ask what I could do about it. They told me they would stop the garnishment if I paid {$2000.00} up front, then agreed to make payments on the rest of the {$4000.00} balance. When I asked what contact attempts had been made to me, XXXX ( legal assistant ) told me that they did not have to contact me regarding the revival of a judgment ( apparently there had been a judgment in XXXX as well, but I was never made aware of this that I can recall ). When I asked what contact attempts had been made to collect the debt PRIOR to the revival of the judgment, she did not answer my question and forwarded me to her supervisors voicemail. 
Mendelson Law Firm has purchased this nearly-two-decade-old account to extort money from me. A garnishment to my wages would significantly affect me and my XXXX children, as I am the primary wage earner. They have told me that I have to pay MORE than my original debt in order to keep this garnishment from occurring - for a debt that they have never contacted me about. I am deeply concerned about the legitimacy of their business, for myself and other consumers that they are preying on.
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NORTHERN HILLS COLLECTIONS INC. (MT)

XX/XX/2020 at XXXX XXXX MST, XXXX XXXX XXXX ( called several times ) somehow got my number searching for XXXX XXXX ; I told them I haven't seen him for 15 years and he is the son of my ex wife ... we divorced 15 years ago. The agent accused me of lying and I asked them how they even got my number and refused to tell me.

I am being harassed and there us no way they got my phone number legitimately since my current wife and I got this number 13 years ago.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

There is an apt quotation from XXXX : he that filches from me my good name robs me of that which not enriches him, and makes me poor indeed. I shutter to even imagine what damage the mess described below has already done to our good name, ' to say nothing about the many days spent trying to resolve the problem and countless hours of worry about it. 

The JPMorgan Chase mortgage in question ( # XXXX ) is on our second home in XXXX XXXX, New Mexico - purchased in XXXX. The mortgage payments have been made each month from XXXX XXXX XXXX ( XXXX ) Acc # XXXX xxxxxxx, frequently with significant additional payments to principal - probably paying the debt several years ahead. 
The problem began on XXXX XX/XX/XXXX and continues to this date ( XXXX XX/XX/XXXX ). During this period, I have often been out of town when the mortgage payment needed to be made. ( Remark- we are at an age when the terminal illness and death of friends and family are all too common ). Attempting to sign-in on the Chase website from my XXXX XXXX, I would receive a message that the 'Chase computer ' did not recognize my computer although that very same computer has been used exclusively to make the payments for several years. Since I was not at home to receive the code sent to my home phone, I resorted to phoning the banks customer service, eventually reaching someone who could process a mortgage payment by phone. 
In the following months, the payment was NOT credited to the account : XXXX, XXXX, XX/XX/XXXX, and XXXX, XXXX, XXXX, XX/XX/XXXX. In most cases I was able to provide Chase the confirmation number for the payment. In the following months, XXXX, XX/XX/XXXX the payment was made directly by XXXX, but the payment was REFUSED by Chase and the funds returned to our account. 
I made multiple efforts to resolve the problem from the time I discovered it - specifically making a double payment in XXXX and XX/XX/XXXX ; and sending a hand written check ( directly to XXXX XXXX, Chase CEO ) with a double payment in XX/XX/XXXX. 
On XXXX XX/XX/XXXX, we received hand delivered documents at our primary home in XXXX, OH that a foreclosure had been filed on XXXX XX/XX/XXXX at a court in XXXX XXXX. 
As the attached documents will show, the apparent problem with the phone payments was that the 'leading zero ' of our XXXX  account was omitted in the electronic transmission from Chase to XXXX. I can not suggest the reason for the recent two payments being " rejected. '' Both I and my husband are in our XXXX 's and this is a situation beyond humiliation to us.
Consumer complaint received 2018-09-21
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: AMERICAN EXPRESS COMPANY (MO)

My first letter to American Express was on XX/XX/2018 I requested them to investigate the hard inquiry on my credit report because I believe I did not authorize this company to run my report. I received a letter from American Express on XX/XX/2018 stating they are unable to comply with my request. I sent a second letter to them on XX/XX/2018 stating under the Fair Credit Reporting Act they have to mail me a copy of my signed authorization form that gave them the right to view my credit, so that could verify or not verify it being my signature. If they can provide me with this information under the Fair Credit Reporting Act they must delete it off my credit report. I received a letter from America Express on XX/XX/2018 stating once again that they can not comply with my request. I do not feel like this company even looked into my request by the mirrored letters they sent me.
Consumer complaint received 2017-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (WI)

Attempted to refinance. had conflicting information and a manager explained discrepency but put through a request to settle and stated she would call me back. much back and forth, many promises, gave a settlement but refused to offer any proof of it, verbal words only which new lender could not act upon. Took two months and many times of me calling back because i did not get call backs. Told that late fees and credit reporting would be take care of per them. more missed callback and failed communication. From XX/XX/XXXX to XX/XX/XXXX and payments made BUT applied to principal. Despite my stressing a sense of urgency every 2-3 day promise was more then a week and I ended up having to call back. DID respond via email to my new lender stating they would look into accommodating their request and get back in 2-3 days which they never did, nor did they respond to followup messages. New lender did not process anything due to their failure to respond w/o entire offer finally fell apart. Chrysler then offered a two month payment waiver to eliminate need to back-pay the time this was being negotiated, but failed to send paperwork to do, also promised would look into waiving insurance for that period and get a manager to contact me back in two days. Which again did not happen and when i called back was told they had decided to decline sending the exception after all. Chrysler is refusing to do anything to make good on their issues and is listing me as past due with late charges. My XXXX credit score is also now XXXX which leaves me unable to have any further loans and also impacts my small business credit score as well.