davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Rosebud Economic Development Corporation (AZ)

they called this an installment loan, but it truly is a payday loan. 
It started with my back wallet, and they said they had to transfer my account to my quick wallet and the mess seems to never end. I was a bit despirate when I took out the loan but did n't realize the XXXX I would end up in. the loan was XXXX. So far since XXXX I have paid XXXX and they have only taken {$30.00} towards principle. I sent them a notice that they are no longer authorized to take monies from my checking account, but I will be closing my checking account this weekend. They said they will settle for an additional XXXX in three payments, and I said no. I feel like I am trapped but they already have gotten 272.5 % of what I borrowed back since XXXX/XXXX/16. I felt I had no choice but to persue a complaint to stop this. I just do n't know who can help and they refuse to give me an address to send a certified letter. Also this was done on line and I have no access to the paperwork either, I asked them to mail a copy to me and they refuse.
Consumer complaint received 2017-06-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (IL)

Wells Fargo took all payments I designated in writing that were to be applied to the principal ( extra payments ) and did not apply to principal. My loan is fully paid but they owe me several thousand dollars. I called more than 10 times trying to get the situation straightened out. Usually they said it was fixed but it was not or they hung up one me. <P/>They sent an unacceptable explanation that did not address the issue then refused to answer the 15 calls I made since I filed a complaint here. THEY HAVE NOT ADDRESSED THIS ISSUE yet the case was closed with their explanation that simply showed my payments and even showed that they indeed did not apply the payments to the principle as requested which is the entire basis of the complaint!! <P/>Why was the case closed without being addressed? <P/>**attaching proof of my payments is not answering the problem. They refused to apply my extra payments to principal regardless of how many times I called and asked. I was told the payments were applied to principle then when i found that they were not i was then told it was too late. This is unacceptable.
Consumer complaint received 2016-03-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (WI)

I sold a home in XXXX wisconsin in XX/XX/XXXX. The home was at XXXX XXXX wisconsin XXXX. My morgage company Freedom mortgage Loan # XXXX. At closing I paid the taxes due then shortly after that my morgage company paid them too. The town of XXXX sent the check back to the morgage company XXXX XXXX. I have given them proof that taxes were paid and I have given them proof that XXXX XXXX sent their check back after more then 30 calls to them and over two months I have not recieved my escrow from them. their number is XXXX. My phone number and address is XXXX XXXX XXXX XXXX wisconsin XXXX my phone number is XXXX
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NC)

in accordance with the Fair actXXXX XXXX XXXX XXXX Account Number XXXX, 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 connot furnish a account without my written instructions.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (VA)

My XX/XX/XXXX payment ( check ) to FEDLOAN was returned to me intact on the date payment was due. The payment was postmarked XX/XX/XXXX and I received the returned envelope containg the check and invoice stub on XX/XX/XXXX. The envelope containing the check was unopened and the postage stamp was intact.The FEDLOAN address was clearly visible through the envelope 's window. A XXXX-code had been stamped on the envelope with the words, '' scan this code now to make an on-line payment ''. I phoned a FEDLOAN CSR who had " no idea how this could happen ''. I placed the intact envelope inside a fresh envelope and re-submitted the payment to FEDLOAN on XX/XX/2017. I never had a late payment and, of course, now my payment is " late '', even though there is a grace period. I feel that this was an attempt by FEDLOAN to encourage on-line payments. What other motive could there be?
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (GA)

I asked to see the contract showing the open and close date of this account that was already paid. No contract was provided and I was unaware that the account was sold to a collection agency as the account was paid. No contract has been received. I do not owe this
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-06-13
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. (GA)

In  XXXX   XXXX  I hired  XXXX   XXXX   XXXX  to work on my credit report to remove negative and inaccurate information, which was done ; however in  XXXX   XXXX  when I pulled my credit report I noticed that an account from  XXXX   XXXX  was reinserted back on my credit report, which is a violation of my rights under the FCRA.     I submitted a dispute to TransUnion,  LLC  informing them on  XXXX   XXXX ,  XXXX  sent the letter certified mail which they received on  XXXX   XXXX ,  XXXX  that the account  XXXX   XXXX  was deleted off of my TransUnion Credit file on  XXXX   XXXX ,  XXXX  ; and that they did not follow the guidelines according the FCRA requirements to reinsert the account.     In accordance with the requirements of the FCRA section  611 ( a ) ( 5 ) ( B ) ( ii ),   you are required to notify me of the reinsertion in writing within 5 business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii  ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion I writing not later than  5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was told by TransUnion that is incorrect and that anything can be reinserted on my credit file if it belongs. Also, they did not even review the letter that was submitted to them -- the representative informed me in was just scanned in my file and never looked into.     I am requesting that because TransUnion remove this item off my credit report as it did back on  XXXX   XXXX ,  XXXX .
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (PA)

Fw : I received this I have no clue who this is XXXX XXXX Fri XX/XX/2021 XXXX XXXX More actions From : BB & T Alerts XXXX Sent : Wednesday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Message from Customer Service BB & T Logo XXXX XXXX XXXX XXXX | Free transparent XXXX XXXX XXXX Library Dear BB & T Customer , We're writing to let you know that our system detected a slight error in our regular verification process of Online Banking records to complete recent activity. 

Our system requires account verification for more security and protection to your account. To see how to solve this situation, please click check now to log on Check now and you will be directed to follow this process. 
Sincerely, BB & T Online Customer Service Copyright XXXX, Branch Banking and Trust Company. All rights reserved.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am applying for student loan refinancing and applying for a mortgage on a first home. I had a credit FREEZE with TRANSUNION.     I have paid the  XXXX  $ to lift that freeze. STILL the mortgage company and the student refinancing company are n't able to access my Transunion credit rep ort ( w hich they both require to have all  XXXX  reports ).     I have called REPEATEDLY and WASTED HOURS of my life. I 'm always transferred to  XXXX  where the reps do n't have a comprehension of what I 'm saying/needing. Then I request to get transferred back to t  he USA to speak with someone. One time after 20 minutes on hold, I spoke with a person who said she fixed it. The other attempts to get my call transferred to the USA mysteriously " get dropped '' and I 'm hungup on.
I STILL ca n't finish my mortgage application BECAUSE Transunion is STILL showing my credit report as FROZEN. EVEN THOUGH I 'VE EVEN GONE ONLI  NE AND REMOVED IT ENTIRELY.     I 'm SO beyond frustrated. I 've lost my  XXXX  $ and my sanity. It 's nearly IMPOSSIBLE to even speak with a human being at Transunion and when you can, the English comprehension is n't available.     Transunion is running a SCAM to take people 's money and cause added stress and frustration in their lives!!!
Consumer complaint received 2023-01-27
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I sent an int'l wire from my local Truist branch. The staff member used the wrong intermediary bank and I am too inexperienced to have noticed. The money is stuck at XXXX XXXX. I learned this when the receiver informed me the next week they did not receive the wire. Since then, I have visited the branch, made 7 phone calls, and sent 8 emails to either the branch manager or their client resolution specialist. The CRS has never responded to either VM or email - in three weeks. The branch manager told me the return of my money was in process and that she would confirm details within 24 hours - that was 9 days ago. They have had my XXXX for over a month now- they have dodged my efforts to get it back. I am in trouble now with cashflow, as I had to send a second wire.
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I tried to purchase two puppies with a contract on XX/XX/20. I made the deposit but the seller has not contacted me. Hrre i the website XXXX I checked the references and use Zelle but there is a trace on the deposit of {$750.00}
Consumer complaint received 2022-08-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC. (TN)

I tried to open both a savings account and a CD for my elderly ( XXXX XXXX  ) father. I applied with two different online banks to get a better interest rate than he was getting locally. 
CITBANK which is First Citizens Bank sent me a refusal email ( attached ) after I filled out all the application papers online, and gave out his funding banks information over the internet. 
Same exact think happened when I tried to apply for a high yield savings account with an online Bank out of XXXX XXXX called XXXX! Can you tell me whats going on, is this an age discrimination thing or what. Why do they have the option of choosing who they can or can not do business with?
Consumer complaint received 2022-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2017-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX XXXX REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE XXXX COURTS PER THE COURT DISMISSAL
Consumer complaint received 2022-03-03
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: SYNCHRONY FINANCIAL (PA)

I received a credit card to pay for a piano with no interest if paid in full over as far as I recall 18 months. I had Synchrony bank set up automatic payments to complete the payments within that period to avoid interest charge. They set it up, accordingly. The statement I received on the XXXX of XXXX showed an increase in balance. I called Synchrony Bank on the XXXX of XXXX thinking that my card was used by someone else. It turns out, automatic payments were not set up right so I was charged interest. I called Synchrony bank, on the next business day. The person I talked over the phone explained that it was not a problem as long as I make the payment for the remaining balance of {$650.00}. I. paid it the remaining balance right away on the phone. All of these conversations were recorded. Despite the incorrect set up of automatic payment by them and despite what they told me over the phone that it was still in the grace period for no interest as long as I finish off the balance, they keep sending me bills to pay the interest fee. 
This is not an isolated case. The internet is filled with complaints about Synchrony bank with similar cases. They set up automatic payments incorrectly on purpose and lie on the phone that if paid no interest would be charged, yet they still charge you for interest despite that is due to them setting up automatic payment deductions incorrectly. They should be sued. If this case is not resolved here, I will take them to court by myself. 
I attached two pictures showing the bank statements for automatic payments and the payment I made over the phone.
Consumer complaint received 2017-04-11
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Select Management Resources, LLC (OH)

I applied for a loan with Loan Max in XX/XX/XXXX At which time I opted out of receiving text messages and electronic communications. During XX/XX/XXXX a representative began texting repeatedly and stated she could and would continue to text and there was nothing I could do about. The representative of Loan Max stated as long as I owed money she could do what she wanted. In addition to texting the representative would place calls to me from her personal cell phone. I repeatedly requested to speak to the management team and was told they did not have the managers phone number nor the number to the corporate office. 
I request and will allow Loan Max to forward all electronic text messages that took place between myself and the representatives of Loan Max. 
My car has been repose and the value far exceeds the balance of r he loan. My vehicle is a XX/XX/XXXX XXXX and the balance of my loan is XXXX and the low end XXXX value is {$16000.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.