davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX knows I was employed until XX/XX/XXXX. I moved as XXXX after XXXX in 2002 to the XXXX XXXX XXXX. I was at the XXXX till 2002 and the the XXXX XXXX location until XX/XX/XXXX. This wrong information might be due to a XXXX lawsuit filed in XX/XX/XXXX towards XXXX due to XXXX due to XXXX XXXX. I would call main personel at XXXX. Not sure isf I remember this # correctly but they are on XXXX XXXX XXXX XXXX XXXX Mo.
Consumer complaint received 2015-12-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK (PA)

I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?
Consumer complaint received 2022-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: T.S. Holdings (TN)

I have been trying to remove these fraudulent charges IQ DATA from my credit numerous times. XXXX is done with their so called investigation less than 24 hpurs after i dispute it and now won't allow me to dispute it at all. BOTH other reporting agencies have removed it because it is unlawful. 
In XX/XX/2018 my XXXX XXXX XXXX daughter were in a XXXX  XXXX situation for our safety I had to leave the state abrubtly and relocate..XXXX XXXX XXXX ( purchased by XXXX homes AFTER my tenancy ) was aware of the situation. Never once was I informed of ANY of the charged they are reporting fraudulently. That home was left unlocked with a key left the inside at THEIR request. I have requested documentation for this {$16000.00} debt that is OUTLANDISH and haven't received anything from either company detailing WHAT and HOW I owe that money. I was never notified of the debt or given the opportunity to defend myself against this debt or even that it existed at all until it hit my credit. If there's a judgement I was never informed That's FRAUDULENT and illegal! It's been disputed a thousand times it's been completely removed from my other reports as FRAUDULENT and now i need someone to PLEASE help me remove this absurd amount of non existing debt that wasnt incurred by me from XXXX. This has held me back from having a place to live for my child for 2-3years and I deserve answers.
Consumer complaint received 2022-02-07
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. (MI)

Equifax has reported information and obtained information from companies other than myself without my written consent. No consent is identity theft. I did not give Equifax my written consent to do so. Equifax is in violation of 15 U.S. Code 1681b, 15 U.S. Code 1611, and 18 U.S. Code 1028A. Attached are items that has been reported without my consent Equifax please send me a copy of the letter that I handwritten and gave you, my permission.
Consumer complaint received 2021-05-18
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: LEXISNEXIS (WA)

Hi I requested a method of verification for a bankruptcy appearing on my credit report from LexisNexis via certified mail, it was confirmed that they received my letter on XX/XX/2021. According to their website they process this request within 15 days after the request is received. As of XX/XX/2021 I have not received any type of response from LexisNexis.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Financial Resources, Inc. (FL)

I had applied for a COVID Forebeance with XXXX and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (TX)

Discover has misreported a balance on a credit card that was paid close to 4 years ago. I pulled up my credit report and it is still showing a balance even though I already paid it. This has caused stress on my credit report. I 've written them a letter and disputed it on my credit report however nothing has been resolved. Please help me get this account removed or reduced to what is accurate.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: GLOBAL PAYMENTS DIRECT INC. (MN)

I havent received my annual credit report from Global Payments Check Services. I want Global Payments Check Services to send and mail me a complete copy of my Global Payments Check Services Consumet Report.
Consumer complaint received 2020-06-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (IA)

On XXXX20 I submitted complaint ( XXXX ) in regards to Wells Fargo refusing to refund the aprox {$4000.00} I paid in full for my PMI when my loan was originated through XXXX XXXX  and the Wells Fargo chose to service my loan. 

Today, XXXX20 at XXXX I was contacted by Wells Fargo employee XXXX XXXX on a recorded line and she stated that after her investigation it was found that I would not receive my refund. She stated that the PMI was through XXXX XXXX with a commitment certificate and they stated they absolutely will not refund any of the remainder PMI although the loan has been paid in full. She stated it has nothing to do with them and they just manage the PMI for XXXX XXXX. I asked her for the documentation for this certificate and she stated she would provide that. I then asked her if in that documentation there were any disclosures stating if I paid the PMI in FULL it was non-refundable and if there were disclosures if I had signed any of those. She stated there were no disclosures signed by me. I then asked so how does that work? XXXX XXXX  apparently dealt with this part, but never was I advised I wouldn't be able to get a refund. In fact in the discussion it was explained to me that by paying the PMI in full I would be helping myself and saving money in the end ... .. and now they are trying to keep {$4000.00} that belongs to me. How is this just? How am I supposed to make an informed decision on whether to pay in full or do monthly payments and what is best so I don't get my money taken from me if I am not properly informed?! 

XXXX continued to distance herself from this and stated it was not Wells Fargo, but I needed to take my complaint and concerns up with XXXX XXXX. Wells Fargo chose to service my loan so they are just as much a part of this as XXXX XXXX. I wasn't even aware of who XXXX XXXX was. 

The fact of the matter is, I was not given proper disclosures, I want the remainder of my PMI refunded to me.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX and Trans Union are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Rent Recovery Solutions (TX)

I was a victim of identity theft and noticed a collection from RentRecovery. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RentRecovery in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

On XXXX I opened a US Bank checking account which was having the promotion..deposit {$500.00} or more in direct deposit and after 60 days they will reward me with {$120.00}. I had used the correct promotion also. I had the {$500.00} direct deposit XXXX ( from my employer i.e. salary deposit ) i.e. within 60 days ... I was suppose to get {$120.00} on XXXX ... i followed when not getting {$120.00} ... this week got the response that they wo n't be giving me {$120.00} as I opened the wrong checking account-what??? But i had the promotion code applied -if i was opening the wrong account with the right promotion code on the website ... why the website did n't stopped me ... i already called the customer service ( phone call as well as chat ) -nobody told me that at the time of opening the account ... ..so they are just making an excuse not to pay me {$120.00}. i fulfilled all the rules and played by their rules book ... but now they are denying me the promotional bonus that i deserve ... .essentially speaking they are confusing the customer if they ca n't convince them.
Consumer complaint received 2017-03-14
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (NY)

I overpaid by over {$1300.00} my Sam 's credit card which is financed by Synchrony bank on XX/XX/2017. I have made multiple calls to the bank to get the overpayment refunded back to my account. The customer service person said they ca n't refund the money back to my account, but they ca send a check in 15 days. This money have been out of my account since XX/XX/XXXX, today is XX/XX/XXXX, why have n't I received my refund. This is unfair to the consumers because these banks take the money out of your accounts in seconds, but it takes weeks for the consumer to get their money back.
Consumer complaint received 2017-09-26
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I was notified on or around XXXX XXXX, XXXX, by a letter from XXXX, XXXX, who at the time was the servicer of my mortgage loan, that this loan has been sold to and obtained by SPS/Select Portfolio Servicing., Inc. , located in XXXX XXXX XXXX , Utah . I was told by XXXX , XXXX, I would be contacted by the new servicer directly with information regarding the handling of my loan and were payments were to be sent. XXXX provided me with contact information for this new servicer and reached out to them directly via telephone to get a statement and additional information on how my payments would be handled. 

On or around XXXX/XXXX/XXXX I received the requested mortgage statement which I am in the process of sending in the required payment. This Company says they are a servicing company for my mortgage, however, the several calls and phone messages that have been left at my home number the messages indicate this is a debt collector. I am taking issue with this especially since my loan is current according to the conditions of this transition period. Are they a loan servicer or a debt collector, I resent the calls which have been frequent especially since this is a newly purchased and transferred loan.
Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (SC)

The letter sent to ELAN XXXX below XXXX outlines what happened. I have disputed the incorrect credit reporting XXXX, including the following letter and my credit card statements as evidence, to which they came back with no changes stating they 'verified ' the information reported. I have also disputed the incorrect credit reporting through ELAN 's XXXX Disputes Dept, but no corrections have been made to my credit file. 


ELAN Financial ServicesXXXX DisputesXXXX XXXX XXXX XXXX XXXX MO XXXXRe XXXXDear ELAN Financial Services XXXX I am responding to your reporting on my credit file. You first contacted me by mail XX/XX/XXXX to attempt to collect {$15.00}. I did not have any responsibility for the alleged debt you were trying to collect. 


I have attached my XX/XX/XXXX credit card statements for you to view. Please take note of the transition from XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/XXXX. I disputed the {$15.00} with my credit union after receiving statements that I had a ZERO balance with a minimum {$15.00} payment. My credit union investigated my dispute and deemed the {$15.00} an error on their part, resulting from a payment to my credit card that was misapplied by XXXX XXXX XXXX XX/XX/XXXX. It was also acknowledged as the second misapplied payment, following the first XX/XX/XXXX You will find the {$15.00} credited to me by XXXX XXXX XXXX on my XX/XX/XXXX credit card statement. 


Please verify and update the following incorrect information in my credit file : past due status XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status in XX/XX/XXXX & lt ; -- - misapplied payment/credit union error past due status XX/XX/XXXX & lt ; -- - owed a XXXX balanceIf the corrections that need to be made are not immediately addressed, I will have no choice other than to move forward with this complaint to the Consumer Financial Protection Bureau and/or file suit. 


Thank you for your cooperation.
Consumer complaint received 2023-04-05
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX AMOUNT {$450.00}., XXXX XXXX # XXXX AMOUNT {$1500.00}, XXXX XXXX XXXX XXXX # XXXX AMOUNT {$0.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portifolio Recovery Associates llc Inc is pulling my XXXX XXXX credit report for account reviews when they have no account to review for collection the account that they did have has been closed to all collections for being exempt from debt collection due to being on Social Security XXXX for life so they have no right to pull any of my credit reports for account review unless they are attempting to collect on exempt funds they closed the account and stop all further collections. they have no reason to review my reports for an account they can not ever collect on.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2022-02-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

on XX/XX/2020, my wife fell victim to a phone scam, she went missing in fear of the scammer ; but was safely found and retrieved by the XXXX  MA. police department. during the course of this scam she was coerced into using our debit card to get money to the scammers via gift cards. As she was forced to do this by the scammer this was an unauthorized electronic funds transfer. After safely finding my wife we immediately filed a police report ( attached ) & contacted gift card vendor to try to reverse transaction and investigate ( target declined to do so ). then at the police station in XXXX ma they helped up contact our Bank Capital One, XXXX XXXX XXXX XXXX XXXX. XXXX, MN. XXXX, XXXX. We notified the bank of what happened, submitted a police report and created a dispute. It has been months and we never had any response from our bank ; however upon calling them they verbally confirmed that they denied our dispute for unknown reasons ; they refused to provide the information in writing which baffles us. We lost {$2000.00} dollars directly from our account via debit from this scam. We were informed about consumer protection laws such as electronic funds transfer act regulation E that may protect us in this situation. We need help dealing with our bank. Thank you, XXXX & XXXX XXXX, XXXX XXXX XXXX, XXXX, MA. XXXX, XXXX
Consumer complaint received 2022-02-07
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: EQUIFAX, INC. (UT)

EQUIFAX INC IS REPORTING INFORMATION IN MY GOOD NAME. 
I HAVE TRIED TO COMMUNICATE WITH EQUIFAX INC AND THEY HAVE NOT RESPONDED TO MY DISPUTES. 
EQUIFAX KNOWS AND IS AWARE THAT I AM A VICTIM OF ID THEFT. 
I HAVE SUMMITED TO EQUIFAX FTC REPORTS EVERY WEEK. 
XXXX XXXX
Consumer complaint received 2016-12-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

I have a number of inquires on my credit report which I did not authorize, I keep calling and disputing Equifax and they are constantly giving me the run around. As of right now I have XXXX inquires on my credit report which I did not authorize and they keep coming back verified when I dispute which is not true. This has caused much harm in my credit score and I just want these inquires removed from my credit report. They are from, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX Bank, XXXX XXXX Loans, XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX, there is also XXXX that does n't even have a name by it but a date of XXXX/XXXX/2016 and I have not applied for any type of credit on that day. Since I can not get any corporation from Equifax with removing these unauthorized inquires will you please help me in this matter.
Consumer complaint received 2016-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NY)

My property was flooded on XXXX XXXX, 2016. An insurance claim was immediately filed. After waiting several weeks for the insurance company to process the claim, I signed a contract with a General Contractor to begin making the flood repairs. The contract requires me to pay in installments. I have already paid the contractor {$32000.00} out of my own pocket, requiring me to withdraw funds from my investment accounts. 
On XXXX XXXX, 2016, I finally received the insurance settlement check of {$57000.00} and immediately forwarded the check registered mail to Suntrust Mortgage. Confirmation was received that the check was received on XXXX XXXX. Additionally, all required supporting documentation i.e., proof of payment documents, proof of loss, XXXX, Waivers, etc., were uploaded onto the Suntrust website, well in advance of mailing the settlement check. I have spoken with Suntrust Insurance Department Representatives on a daily basis and was assured all necessary documents have been received and approved. On XXXX XXXX, I was told a check was being overnighted via XXXX XXXX, to be received today, XXXX XXXX. 
On XXXX XXXX, when calling to follow up on the check which did not arrive, I was told it is being held in the Processing Dept. The representatives indicated they were unable to contact anyone in the Processing Dept. No one was able to tell me if or when I will be reimbursed. I can only assume Suntrust is holding the entire amount in an escrow account? 
With the contracted repair work now approximately 75 % complete, the contractor is now due a third installment to finish the job. For the third time, I am forced to make a sizeable payment out of my own pocket. 
The home is valued at approximately {$370000.00}. The mortgage with Suntrust is only {$83000.00}. My financial interest in this property exceeds that of Suntrust.
Consumer complaint received 2015-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (MI)

I was just told by my lender that I will have to wait 9 calendar days now thatmy loan was cleared to close. A certain amount to schedule the closing, another amount to deliver the closing documents, and even more to look atthe closing documents? Meanwhile my rate is expiring as I have arefinance loan that needs 3 more " business days '' for something after wesign? All this waiting seems like a way to make my rate worse!!!!