davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (PA)

CREDITOR IS NOT ORIGINAL ACCOUNT GRANTOR, DISPUTED TWICE BEFORE ASKING FOR ORIGINAL RELATIONSHIP DOCUMENTS BEARING THE CORRECT GPS LOCATION DATA VALIDATING THE DEBT WAS LEGALLY OBTAINED. I RECEIVED NO COMPLIANCE, I THAN ASKED CREDITOR TO PROVIDE ME WITH THE METHOD OF VERIFICATION USED TO INVESTIGATE THIS CLEARLY INACCURATE DISPUTE? ALL I ASKED FOR WAS THE ( CONSUMER CONTRACT BEARING MY WET SIGNATURE ) TO VALIDATE THIS ALLEGED DEBT BELONGS TO ME AND I STILL HAVE NOT RECEIVED ANY COMPLIANCE WITH THIS COLLECTOR. Please have collector provide ORIGINAL DOCUMENTS AND statements stating the debt belongs to me, the debt was sold, or the debt was purchased. FDCPA legal time frame STATES YOU MUST inform me WITH A NOTICE ( 5 days ) OF YOUR ORINGINAL PURCHASE DATE, ABOUT THE PURCHASE OF THE DEBT. Please provide original relation documents betwen original creditor or remove this from my account for it is a violation of the FDCPA to try to collect on debt that you not verify as correct or true, If you claim to have verified this account and claim to have sent the formal notice of obtaining the debt than please send original copies of documents sent or remove this my report.
Consumer complaint received 2019-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (WA)

I deposited a mobile check yesterday and once again, the bank first subtracts the amount from my account ( putting it in negative territory ), then they put a hold on the check. How's that fair? If I deposit a check for XXXX, they first withdraw that amount and keep my account negative until their own hold of the XXXX is released. They are treating me different than other folks and this issue was previously resolved when I had a Key bank account in XXXX XXXX, XXXX a few years ago. I filed a CFPB complaint and Key agreed to allow me to open an account and remove all red flags as this was due to their own error. Now, I open an account in XXXX State and find that the red flags are still there and they have limited my account and take drastic measures when there's a deposit. Secondly, when I opened this account, I responded to a banner ad for a {$300.00} bonus for opening a checking account. But when I went to do this online, it said I only qualified for a basic account and no bonus even though my credit score is XXXX. I should have gotten the bonus. I know that I qualify for a deluxe account because I just had one in XXXX XXXX. Key needs to get its systems talking from both Coasts. They agreed to restore my account and remove red flags - they have gone back on their word.
Consumer complaint received 2021-09-21
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: EQUIFAX, INC. (IL)

Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.
Consumer complaint received 2021-09-21
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: CITIBANK, N.A. (MA)

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft CITI Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This XXXX 's account # XXXX is Paid-in-Full and Closed. However, XXXX   CRA and Experian CRA continue to incorrectly report as Open.
Consumer complaint received 2020-07-28
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. (NY)

please investigate these accounts they are not mines and never late on my credit please help i have no one to help XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$1900.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Collection/Chargeoff XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Date : {$0.00}, Issue : Identity Theft XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : I have never been late
Consumer complaint received 2018-07-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Did not receive Bonus offer of {$150.00} after completing requirements. In XX/XX/2018 I opened up a Bank of America account online. On the main page it said if you open an account you will receive a bonus offer of {$150.00} after 90 days if you have two or more qualifying directs deposits of {$250.00} or more. Moving forward, I opened the account online, received my debit card in the mail and met the requirements. After 90 days, I contacted a rep in XX/XX/2018 on a Tuesday and was advised that I would receive it directed into my account within 3 days that Friday. I never got it so I called back the following week and another rep told me it was in the final stages of review and that it would be in my account during the next billing cycle which was XX/XX/XXXX. Once that date passed, I never received it and contacted someone on XX/XX/XXXX. They reached out to there promo dept. and was told I did not qualify because it was a targeted offer which it wasn't. It was displayed on the website for everyone to see who chose to open an account. I met all the requirements and had more than 2 qualifying direct deposits. The woman searched for the offer and couldn't find it which i don't know how because it was on the website. She then placed me on hold for another 20 minutes and said she finally reached out to someone else and explained that I qualified and now I was told I would receive a check in the mail in 30 days. I never received it so i contacted BOA yesterday sat on hold for an hour and was told the previous woman that I spoke to was never guaranteed that I was going to get a check and now this rep told me since I didn't click on a " open now link '' I will not receive the bonus. This is such false advertising. There was never a link to click on. I was told different things by different reps. This is the whole reason i opened my account and since I met the requirements, I want the bonus.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (NE)

On Sunday, XX/XX/year> @ XXXX CT, I received a legitimate Cash App transfer in the amount of {$300.00}. After verifying my identity and attempting to Cash Out ( withdraw ) the funds, Cash App says the following errors : Regular : " This cash out failed '' Instant : " {$290.00} transfer to your bank account has failed. We noticed suspicious activity and have suspended your account as a precaution. Please contact support to access your account. '' I have contacted Cash App Support, and been assigned Case # XXXX. As of this complaint, no resolution has occurred.
Consumer complaint received 2020-07-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

Your website states that " Payments that are scheduled with an effective date after the first 10 days of your grace period will be charged a {$5.00} fee. '' I believe this constitutes a " pay to pay '' type of structure. 

Charging a fee to pay by web is a generally unallowable practice. I would like an explanation as to why PennyMac charging a fee is appropriate for using their online service based on what day of the grace period you schedule your payment for. I would expect I could pay online on the XXXX of the month ( within my grace period ) and not incur an additional expense. 

Potential UDAAP impact. This may be a stretch considering you do disclose the fee on your payment interface, but I wanted to add this considering the regulatory definition of UDAAP is rather vague.
Consumer complaint received 2020-10-24
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. (MI)

i have sent these companies several disputes along with my federal identity theft report of fraudulent accounts on my credit report due to identity theft, i have not received a response or results from these agencies. my local law enforcement advised me to file a ftc report and send it to the 3 credit reporting agencies which i have done, but they have not investigated or removed these fraudulent accounts when according to FCRA SECTION 605B these agencies are tyo block any and all fraudulent information. i will be including a copy of my FTC report which is the only documents by federal law that i am required to submit when disputing identity theft, and i will be including my drivers license and social security card for identification purposes
Consumer complaint received 2021-03-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Online XXXX XXXX matured on XX/XX/2021. On XX/XX/2021 I called CAPITAL ONE at XXXX online banking and spoke with XXXX who said that he will close my XXXX XXXX account and send my check to my address on file. I called on XX/XX/2021 since my check did not arrive, and I was told to wait another week since the mail is slow. I called with my daughter on XX/XX/2021 and spoke with XXXX who said he will cancel the check which was never delivered to me and send out a new check. XXXX said to wait 7 days for the check to arrive. I called on XX/XX/2021 and spoke with XXXX who put me on hold for over 15 minutes without coming back to speak with me. I called again the 800 number and was transferred to XXXX, manager who said there was no record that a second check was sent. She said she will have the matter investigated and send out a check via XXXX in one business day to my home address. She said I may have to fill out an affidavit and it will be sent to my email ; however, Capital one has not sent anything to my email address on file. My check did not arrive in one business day as XXXX said it would. It is going on TWO ( 2 ) MONTHS since my XXXX account was closed and Capital One has NOT sent me my money back. Today is XX/XX/2021. I am in my XXXX 's, and I have medical bills to pay. Please help.
Consumer complaint received 2020-07-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2020-07-15
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. (CA)

My student loans have been dismissed due to long term XXXX. XXXX still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.
Consumer complaint received 2020-10-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (GA)

I viewed my credit report and saw that there was a debt in collections. I have never received any mail correspondence, phone call or anything regarding this debt. I am unsure of why it is on my credit report and no one has even contacted me about it. When talking to the company representative and then a manager. They offered me no resolve and told me there was nothing I could do but pay the debt. They have reported it to my credit and that is not fair that no one, not even the company that states I owe a debt has contacted me regarding this debt. The company is called Sequium.
Consumer complaint received 2020-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

This is like my 3rd or 4rh time filing the same complaint against the same credit agencies. Im still having to reset my passwords every day or Im getting locked out of my account this happens every day and yall say its going to be fixed and nothing has happened and Im getting tired of it. Im paying for stuff I cant access. Im also paying to update my credit report every day thats not working. These credit agencies are no good I bet if I had to log in to pay a bill it would log me in real easy. Of I continue to have his issue like I have been Im goi g to see what type of legal action I can take against XX/XX/XXXX, Equifax and XX/XX/XXXX. This been going on 2 months now every since I did my identity theft report and disputed thing that was not mines. I e been on the phone all day everyday with these companies and nothing is getting resolved. Equifax says they do t have enough credit on me to provide me a score and respfuse to let my credit company report my payments. And there allowing it to go down and XX/XX/XXXX just refuses to do anything. My profile cant. E locked because I have a dispute thats been open since XX/XX/XXXX and they wont tell me anything so while there not doing anything my information can be accessed all because I cant lock my profile. If its like hat hen I fathers all 3 agencies remove my freezes and credit locks off there site because its doing more hard then good and here not protecting anyone from identity theft so whats the point. Just remove my stuff you have my permission since no one is not doing anything.its tiring and XXXX me off. If my identity it stolen again or my reports are access by someone I didnt give permission too I will be filing a lawsuit against anyone involved. Thats mean XXXX 3 credit agencies and all the consumer websites thats Involved in making decisions on my personal reports. Thank you
Consumer complaint received 2020-10-24
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: EQUIFAX, INC. (NC)

This is my second time opening a dispute for the same issue that was never resolved. First compliant is XXXX and feedback was provided with no resolve. Lets try this again, after numerous calls over the past five months or so creditors are unable to access my Equifax credit report and your customer service reps are very incompetent and love to transfer and disconnect. My issue is exactly the same as the folks on this thread : https : XXXX. I am currently unable to sign up for XXXX because I receive the message that " While processing FICO Premier, we discovered a mismatch in the personal information you submitted and are unable to deliver your data from Equifax ... XXXX '' I have attached a screenshot to this complaint. Also I am unable to retrieve a credit report from XXXX although at this time this is the least of my concern since you guys keep sending me credit reports when I file complaints or call in to complain. See attached screenshot. 

So here is what I need from you EQUIFAX. Fix whatever errors there are on the backend ASAP! It is my right to have access to my credit report and credit scores whenever I desire according to the Fair Credit Reporting Act and you are hindering this. Have the Office of Consumer Affairs check my profile please as they have corrected many others issues from the link I provided above. Do not send me another credit report as resolution!!!!!!!! I have also contacted my Attorney General and will continue to fight until you fix my profile in your system.
Consumer complaint received 2018-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (LA)

I filed a complaint a couple of weeks ago. Seterus, Inc responded. Not all the info provided by the Seterus associate was correct. Obviously all the recordings were not listened to. At a fault of my on, I said the month of XXXX ... maybe all this began in XXXX. But that's ok. My main concern about their response was the associate responded about the removal of my 1st Sale date was because of the amount of homes in foreclosure. There were simply too many foreclosures so they changed my date to a later one. When in fact, if he would listen to the recordings the young lady told me Seterus, Inc. removed the date ( with no future sale date ) to help me out. She said she wanted me to send in additional information and to be more persistent with my involvement. She said I wasn't calling in enough to check on my status and to make sure all paperwork had been received and that they didn't need anything else. I had explained to her I always scared to call b/c I am scared of being told no. She said to call anyway. It will show that I am determined. So I did. I called frequently. Obviously, by the sound of this Seterus, Inc. was going to work with me. If Seterus says this conversation did not happen they are lying. This phone call happened after they removed the 1st sale date. 
Also, one of the modifications was a principal change. 
Look at the reasons for the modifications. They are very legit and there was no way around them. Natural disasters are a terrible thing. 
Also, I would like to request to hear the recording of the lady telling me the date was moved by Seterus, Inc. to assist me.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.
Consumer complaint received 2019-08-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

I started an investigation of my Navient account with all three credit bureau, because XXXXis saying my student loan is paid in full. However XXXX and XXXX are stating theaccount is not paid, above all the Navient account has been paid off since XX/XX/XXXX oflast year. Since then I have contacted my lender who states they can't control what the bureauare reporting and that I need to talk them. This limbo between the bureaus and my old lenderhave gone on for a while now and I keep requesting investigation but they are not helping.
Consumer complaint received 2018-07-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weinberg Mediation Group LLC (OH)

This company contacted me today posing as a mediation group/ attorneys office when they are debt collection. I asked them to validate the debt in which they have not done so and emailed me a letter that is included with this complaint. They never validated the debt as required by law and are threatening to take me to court regarding this matter. They were asked to stop contacting me and validate this debt and yet they refuse to do so
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

I paid my car loan off on time and paid off other bills on my credit report and my credit score drop down very low from XXXX to XXXX when you pay bills off on time how they take my score down .now I can not get a car loan because my sore is very low .I was told my score will go up it went down.I talked to the three credit Equifax, XXXX, XXXX. I talk to them around XX/XX/XXXX-XX/XX/XXXX ..