davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (TX)

In XX/XX/2019, US Bank withheld {$10000.00} of my money when it decided to close my account. Three months later, on XXXX XX/XX/2019, US Bank decided to return the money to the originating bank ( my account at the XXXX XXXX XXXX  ) via two wire-transfers that equaled {$7400.00} and {$2800.00}. On XXXX XXXX, the XXXX XXXX XXXX received {$7400.00} from US Bank. The second wire transfer of {$2800.00} never arrived at the XXXX XXXX XXXX, and its location is unknown. Currently, the position of US Bank is that it is not obligated to take further actions, such as identify the location of the remaining {$2800.00}, because it believes it fulfilled its obligation when it attempted to send the two wires.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XX/XX/2019 XXXX XXXX REFUSES to accurately report to Transunion regarding regarding my car loan installment account # XXXXthat was paid off on XX/XX/2019. 
I want legally reported FCRA on Transunion " PAID/pays as agreed.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XX/XX/XXXX I received a phone call from a debt collector XXXX XXXX XXXX XXXX XXXX XXXX. They were attempting to collect a debt for {$390.00} from Citizen 's Bank. In XX/XX/XXXX I filed 2 fraud claims with Citizen 's Bank. As of XX/XX/XXXX, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, Citizen 's Bank assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. XXXX is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both XXXX XXXX and Citizen 's Bank Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with XXXX and Citizen 's Bank.
Consumer complaint received 2019-08-14
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. (TX)

Hard Inquiries appearing but not placed b me the following Hard Inquiries were not made by me XXXX XXXX   XXXX, XXXX, XXXX XXXX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Equifax please provide all methods used to verify this as accurate nd all tools used to verify these accounts as accurate
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

I submitted a letter to experian about a fraudulent charge on my credit Report Number-XXXX. Account XXXX. I submitted a dispute. Within 7 days i got a response saying they found the charges to be accurate. I re submitted another dispute in writing about the issue and informed them that I was expressing my rights under fair credit reporting act, section 609 for them to re investigate the issues. It was reported to all 3 major credit bureaus. XXXX  and XXXX  conducted their investigation 's in around 26 days and concluded that they were fraudulent charges and an in accurate negative mark on my credit report and was removed immediately. Experian recieved my dispute and opened it and concluded it was accurate again. And it was on a weekend. They did not have time to conduct any type of real investigation. They are causing harm by increasing interest rates and higher down payments because they are to overwhelmed or not equipped to conduct accurate investigations like the other 2 credit companies. Or they dont have time because they have so many pending disputed because they allow un verified negative marks on consumers credit files. I requested verified documentation of the account being opened by me to be mailed to me if they can not neither I nor their agency are able to verify that it is actually an account opened by me with my signatures and they are unable to because it is a fraudulent account. And that they mail original copies to me and with names of people who they spoke with to verify that this is an accurate legit legal account opened by me. I have not recieved any response within 45 days except it was opened and closed with no explanation.
Consumer complaint received 2021-05-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been sending payment for my home line of credit, the bank has been applying the payment to my mortgage. I have attempted to resolve this issue with Bank of America they have said they investigate the matter and have not and this has been going on since XX/XX/2020. I was in a bankruptcy and it was closed XXXX of this year the bank has been receiving payment for both mortgage and line of credit the whole time and making the trustee payments. I am now getting letters of delinquency and I don't know where else to turn, I went back to my bankruptcy lawyer who said he can not help, and when I came to a HUD agency they suggested filing this complaint since I have exhausted all other methods.
Consumer complaint received 2019-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (DE)

On XX/XX/19 I received a phone call from a debt collector ( TSI Prime Collections Agency ). They were attempting to collect a debt for {$390.00} from XXXX XXXX XXXX. In XX/XX/2019 I filed 2 fraud claims with XXXX XXXX XXXX. As of XX/XX/2019, the investigation is still in progress. Despite the long length of time it has taken to complete the investigation, XXXX XXXX XXXX assured me that they would not send my account into collections. However, this was clearly not the case, and it was sent to collections anyway. I am filing a complaint not only because of the false information I was given, but also the WRONG AMOUNT of the debt. TSI is attempting to collect a debt for {$390.00}, however, the original fradulent check was cashed in the amount of {$390.00}. Despite trying to get a straight answer from both TSI Prime and XXXX XXXX XXXX Recovery Department, neither one of them could explain the difference between the two amounts. I would like to request an explanation for the discrepancy as well as a timeline as to when the fraud claims will be resolved so that I can be cleared of all involvement with TSI and XXXX XXXX XXXX.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AL)

They have 3 accounts on my credit as unpaid collections. 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.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.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.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I was at XXXX 's dept store and applied for a store credit card. XXXX XXXX denied it, stating that I had a " security freeze '' on my credit report and instructed me to call TransUnion. I called while at the store, spent an hour talking to a rep who said that it would be taken off in XXXX or so, and when XXXX XXXX XXXX my credit again, it was still declined. So, I called back to TransUnion and was told tomorrow it should be off. So, the next day I went back to XXXX 's ( since I was spending about {$600.00} on purchases, I wanted to get the points perks ) and my credit was ran for a XXXX time and the alert was still on. So, I want all inquiries from XX/XX/XXXX and XX/XX/XXXX as well as XX/XX/XXXX removed since the security freeze is still on there and I've been declined by XXXX banks for credit. Secondly, I'm demanding that the security freeze be taken off, because I don't recall ever having put it on in the first place.
Consumer complaint received 2021-02-03
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: U.S. BANCORP (MA)

On XX/XX/XXXX I tried to register for a free trial course with XXXX To register, XXXX requires a credit card. XXXX DOES NOT SEND A CONFIRMATION EMAIL TO CONFIRM THE ACCOUNT. When I tried to register for the course moments later, I could not log in. When I contacted XXXX, they said I did not have an account. I could not take the course. I could not cancel the trial with in the 30 days. In order to reverse charges, they said I would have to EMAIL ALL OF MY INFORMATION. EMAIL IS NOT A SECURE FORMAT. THEY KNOW THAT. For 5 months XXXX charged me a fee for an account they said I did not have.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WI)

Firstmark Services reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.
Consumer complaint received 2019-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

FRANKLIN COLLECTION SERVICE report a debt of {$970.00} from XXXX. Debt has been removed from my credit report multiple times from different collection agencies but re-opened with agencies for years. FRANKLIN COLLECTION SERVICE has now opened the account again but refuses to close it.
Consumer complaint received 2023-04-07
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2020-12-08
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: LOBEL FINANCIAL CORPORATION (CA)

I sent in a dispute to all 3 credit bureaus XXXX  XXXX  and XXXX  as well as to this creditor who is wrongfully reporting inaccuracies to my report Lobel Financial. In regards to this account that is on my credit report that I have no awareness of this account is negatively affecting my credit reports and it is inaccurate information. Please have this debt removed because when I sent in dispute letters to all 3 bureaus they failed to show me any proof of validation. They just verified no original contract that bears my signature no balance they say I owe or even what I owe it for. So Since they are violating my rights I would just like for this account to be removed from my credit report on all 3 bureaus.
Consumer complaint received 2022-10-09
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. (DE)

In accordance with the fair credit reporting act XXXX  for account number 1.Department of Education acct XXXX XXXX XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (WA)

I disputed this charge off on my credit report through all the credit bureaus and it has remained on my credit report but they haven't verified the debt. XXXX XXXX XXXX  Charged off : XX/XX/2023 Balance : {$5900.00}
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

XXXX if 2017 I closed account that was a secure card. When I got my final statement it showed I owed money to them. I looked at statement that they printed up to me at the bank and noticed the 1st thing. It was a {$30.00} dollar difference in amounts from the ending month to the very 1st day if the new moth showing on the opening balance. I have been unable to work on this due to heath issues with major XXXX. Also I have a unauthorized charge from a hotel in XXXX XXXX that we never stayed at it was canceled and the charges it 2 weeks after we were supposed to stay ther that was never removed. I did call the bank before the charge took place and told them not to except the charge and the did anywAys. This put me over a lot and the accounting they re doing it deliberate. They know the amonts were not right and thats not legal. They will Just say sorry about the mistake and nothing to come out of it. I bet if you looked over my account and did a re accounting of it theres a lot of things! Im just not able to do in my condition. Now its on my credit report and they refuse to remove it or give me back my money they took or gave. their stealing from all of us. And I dont need this aggravation right now above all things. Can you help Me solve this?
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

I don't recall allowing these companies to check my credit report, it was not authorized and therefore must be removed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Shellpoint Partners, LLC (IL)

XXXX XXXX XXXX XXXX XXXX  received four commercial mortgages from XXXX XXXX XXXX on XX/XX/XXXX. XXXX mortgage was sold. I am a Member of this XXXX company. XXXX XXXX XXXX loan servicing company was XXXX XXXX. Which service only three of XXXX XXXX XXXX. The other loan servicer was XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX SHELLPOINT became the new loan servicer. They sent out paperwork ; that was completed incorrectly by my assistance XXXX XXXX, with the help of one of SHELLPOINT customers service reps. My assistance filled out the documents incorrectly, by adding my personal social security number to the paperwork. When i reviewed the paperwork submitted. I called SHELLPOINT and told them not to use my personal security number. Only the business EIN was to be used. I fired my assistance. I told SHELLPOINT i am not a co-signer or personally guarantee of this business loan. I contact my attorney right away. My attorney said that the paperwork ; that was completed. Was not for this type of loan. I found out on XX/XX/XXXX ; that SHELLPOINT used my personal security number. They reported to XXXX, XXXX and XXXX mortgages I did not own or jointly sign for.
Consumer complaint received 2023-04-06
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage service was recently was recently transferred to Shellpoint Mortgage Serving LLC In XXXX of XXXX. When the loan was transferred to Shellpoint there was not an escrow account associated with my loan. I submitted a electronic request to open an escrow account for both property taxes and insurance through their online system on XX/XX/XXXX. I received an email correspondence back from Shellpoint on XX/XX/XXXX stating that I need to submit a written request with background documentation in order for them to review my request and see if my account was eligible. I submitted that request on XX/XX/XXXX. Shellpoint responded with an email on XX/XX/XXXX via email that they added the insurance policy but did not add the property taxes to escrow as they require a 12 month payment history which I did not have with them. 
I contacted customer service via there 800 number and the customer service agent and indicated that I did not request an escrow account just for insurance and had requested insurance and property tax and as that was the denied did not want any escrow account just for insurance. They indicated that they could not help me and that I would need to submit a email request. I submitted the email request to not have an escrow account open for my account just for insurance only as that was not requested. 
I received a follow up email from Shellpoint on XX/XX/XXXX indicating that I would need to make this request in writing and then would need to email this to them. I submitted this request in writing via email on XX/XX/XXXX. I recieved a letter on XX/XX/XXXX dated XX/XX/XXXX stating that my request to cancel my escrow account has been denied. The reason was that my loan did not meet the proper seasoning requirements. I contacted customer service via phone on XX/XX/XXXX and explained the situation. They said they understood the situation and would send a complaint on my behalf but that they could not even talk to or transfer me to that department as they don't even have phones? They indicated they ( escrow department ) would reach out to me directly. Have not been contacted. 
My issue are below ; 1. I did not have an escrow account to begin with.

2. I requested escrow for both property tax and insurance and they opened an account just for insurance which I did not request.

3. I asked them not to move forward with that insurance only escrow account and they denied that request.

4. I have made two payments to Shellpoint since my loan was transferred with no escrow requirement and saw that my payment will going up significantly beginning with my next payment for escrow. Regular insurance premium and additional payment for escrow. 
5. my wife and I are retired on a fixed income and this is going to create a financial hardship.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX is reporting incorrect information about me. The alleged collection account for XXXX XXXX XXXX is listed as being open and with a past due balance of {$130.00}. This is a violation of FCRA and is in violation of requisite of METRO2 compliant reporting standards.
Consumer complaint received 2021-07-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NM)

There are 7 collections accounts from MEDICREDIT physicians Billing. These are duplicate entries as both are the same account numbers and the same amount owed. 


The first items are {$420.00}, account number beginning XXXX, there are two, same date, same account number, and same amount. 

Next items : {$300.00} for three items, same dates, different billers listed XXXX XXXXXXXX XXXX. 

I would like these collections removed as I had no knowledge and they are all duplicate entries.