davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
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)

Im shocked on your current method of investigation into these 2 accounts screenshots below. For months now, I been trying to reach out to your organization to get these accounts corrected, removed, and deleted from my credit report. Its impossible that your organization investigated these accounts below because by law the account status should been updated, but for some odd reasons, it continues to report incomplete, misleading, erroneous info on this account. For example, why there are inconsistencies with different dates of last active, dates of last reported, dates of last payment, and different inconsistencies with the payment history. 

I have these questions if you already investigated : What is the 1st date of 1st delinquency with this account from XXXXXXXX XXXX XXXX? Why the account status is incorrect? Why the account type and responsibilities show LEASE and Joint, where it shouldve said installment sales? Why I never received 1099C on the chargeoff/collection account? Plus, on the XXXX XXXX account, why the payment history is so inconsistent showing 3 different dates of last active and payments and where one credit reporting agency shows I was not late for particular months, but the others show I was late 30/60/90 days..Why? Incomplete and misleading?
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (TX)

I made a purchase on XX/XX/XXXX The merchant provided a return label which was used to return the item ( See attachment # 1 ) The item was returned to merchant on XX/XX/XXXX ( See attachment # 2 ) The shipper ( XXXX ) lost the package I initiated a dispute on XX/XX/XXXX, at the time I provided the tracking number and a copy of the shipping label that was provided by the merchant On XX/XX/XXXX, Paypal requested the tracking number, I attempted to provide the tracking number but the website did not work, see attachment # 3 for screenshots indicating that the website can't can't be accessed. 
On XX/XX/XXXX, I contacted Paypal and provided the tracking number over the phone. 
On XX/XX/XXXX, I received an email from Paypal indicating that the dispute was decided in favor of merchant because the tracking number was not provided by me.
Consumer complaint received 2018-03-23
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (FL)

Hunter Warfield, Inc. Buy the account from another company they calling me al day friends, family, Everybody my job I have Conversation with them over the phone to stop all this and they answer was ( good luck ) not respect and I want to end this and I need your help
Consumer complaint received 2024-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (CA)

I processed XXXX payment with square merchant account they closed my account XXXX month later I got en email stating that they are closing my account any funds inside of the account well be released to my link bank account on XX/XX/XXXX today is XX/XX/XXXX after trying to contact them for XXXX week which they make you call from a random number because my number they hang up The worker that works at the department where they deactivate accounts told me my funds are not on hold that if I cancel my square debit card itll let me transfer to my bank account I did it but still can transfer my money to my bank
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (NJ)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

In reference to original complaint XXXX while Comenity owns the card XXXX XXXX promotes it and the promo plans They should be giving full disclosure of terms of which consumers must verbally speak with card representative to apply payment to promo account As stated I worked for them and we were never informed/trained about these issues
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, I made the withdrawals from my funds below. Total overdraft charges were {$72.00} an e-mail notice was not received until after the third day the charges were complete. I did not receive an immediate notification to contact about the first overdraft and prevent the second. Overdraft protection was difficult to find and enroll in, however, I have done this now after calling the bank to request a fee waive of the OD charges. When calling Regions bank  onXX/XX/XXXX. The only refund the bank made was {$18.00}. This leaves me with a {$54.00} overdraft charge.
XX/XX/XXXX Your beginning balance on that date was {$87.00} We received checks, withdrawals and deductions totaling XXXX ... ... ... ... ... ... ... ... ... ... ... ... ...
Check Number : Dollar Amount : Action Taken : OD/NSF Fee Non-check item {$250.00} Item Paid {$36.00} Non-check item {$10.00} Item Paid {$36.00} Total : {$72.00} XX/XX/XXXX Fee Refund {$18.00}
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent in a letters on XX/XX/22 letting transunion, XXXX and XXXX know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( 4 ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
XXXX sent me back a RESEARCH REQUEST FORM XXXX did not send anything back. 
trans union sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.
Consumer complaint received 2016-08-29
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Nelnet, Inc. (TX)

I sent a Cease and Desist to Firstmark XXXX Services via email to XXXX XXXX on XXXX XXXX, 2016, I was then contacted by XXXX XXXX with Firstmark on XXXX XXXX, 2016 trying to collect a payment that only a few days late. I reiterated I sent a Cease and Desist and she replied there was no record of it. I sent another Cease and Desist on XXXX XXXX, 2016 to XXXX XXXX via email. They are still sending me emails other than my monthly and also sending harassing letters to my father. I need this harassment to cease immediately.
Consumer complaint received 2017-04-11
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: United Debt Counselors, LLC (NY)

Back in XXXX of XXXX I had credit card debt. I regretfully signed up with United Debt Counselors to try to help me. They took close to {$5600.00} from me and did nothing. When I withdrew from this program I they refused to give me all of my money back Just gave me {$960.00} When I called the credit card company they advised me to wait until The accounts " charged off '' and I would work a payment plan with them. I spoke to them on XX/XX/XXXX. When I called them on XX/XX/XXXX, the day they suggested and they told me it was already sent to a third party. When I called the third party they said it was transferred to an attorney. When I called the attorney they would not speak to me. They need to speak to United Debt Counselors. I am no longer with the fraudulent company. But they refused. All I wanted to do was do the right thing and I have been given the run around and getting deeper and deeper in debt. Please help me.
Consumer complaint received 2020-09-11
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Please help me to reach a resolution with Capital One regarding their handling of a charge dispute. 
To provide a background summary - I purchased one year of biweekly massages with XXXX XXXX XXXX in XX/XX/XXXX. Part of the purchase was charged to my XXXX credit card ( {$380.00} ) and part of the purchase was charged to my Capital One credit card ( {$1100.00} ). 
I requested a refund of {$1300.00} from XXXX XXXX XXXX due to poor Customer service and for services not rendered on XX/XX/XXXX. They declined my request due to a no-refund policy. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX owner ) told me he would provide proof this policy was disclosed at purchase. However, this documentation was never provided and the company continued to refuse my refund request. 
Thereafter, I submitted a complaint ( # XXXX ) with the XXXX XXXX XXXX. They agreed XXXX XXXX XXXX did not adequately address my concerns or make a reasonable effort to resolve my dispute. The XXXX was unable to obtain the refund on my behalf and this complaint reflects as unresolved in their records. 
Subsequently, I submitted a complaint ( # XXXX ) with the Arizona Attorney General. XXXX XXXX declined my refund request and again did not provide proof of the no refund policy at purchase. I submitted my unsatisfied response to the Attorney General and am awaiting their follow up. 
Thereafter, I contacted XXXX and Capital One regarding the services not rendered and my refund request. I provided both credit card companies the same documentation - copies of my credit card statements, phone records, email communication with XXXX XXXX, print screens of the XXXX website and copies of the XXXX & AG complaint documentation for their reference. 
Based upon their review of all documentation, XXXX provided a {$380.00} refund for the services not rendered. 
Capital One initially provided a credit of {$910.00} on XX/XX/XXXX. They have since recharged my card for this amount on XX/XX/XXXX. I was told that because this was considered a service purchase, a contract or purchase receipt was required to dispute the charge. 
XXXX XXXX XXXX will not provide a purchase receipt ( presumably because it does not contain a no refund policy disclosure ). I did not sign a contract with XXXX XXXX XXXX. 
I simply can not understand why Capital One would reach a different conclusion and resolution to this matter. To be clear, Capital One has recharged me {$910.00} for services I have not received from XXXX XXXX XXXX.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (NY)

Equifax has been reporting inaccuracies on my credit report and does not seem to be fixing the problem that has become a liability to my financial options as of recent. How a huge credit bureau could be so irresponsible as to show that my XXXX XXXX XXXX  mortgage account has been closed is incomprehensible to see.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MD)

" My whole Family & XXXX XXXX XXXX XXXX XXXX XXXX & our Income has effected due to that reason. Moreover, I am under XXXX XXXX until XX/XX/XXXX as per my XXXX XXXX XXXX  Hence, I request for a Forbearance Extension due to the reasons mentioned above & please forward my this request exactly as mentioned above in this paragraph to the Investor of my Mortgage Loan for Forbearance Extension. '' XXXX XXXX, Supervisor from Shellpoint Mortgage Servicing told me on a Recorded Line that she submitted my request to the Investors of my Loan when I spoke to her on XX/XX/XXXX but I failed to receive any response from her after sending her several emails. I request a call back & email response from XXXX XXXX. 

I requested Management of Shellpoint Mortgage Servicing to contact me immediately & provide me the Law & Rules which states that I only can get 18 months of Forbearance Extensions irrespective of my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX By FHA, Fair Lending Rules & Federal Rules Shellpoint Mortgage Servicing is Legally Obligated to share the Rules & Laws based on which they are declining my request for Consideration for Forbearance Extensions & not taking forward my request to the Investor of my Mortgage Loan. 

I received Forbearance Extension for my other 2 Mortgage Loans beyond 18 Months. In one Mortgage Loan, I received Forbearance Extensions for 21 Months & another Mortgage Loans I received Forbearance Extension for 22 Months where those Loans are backed by XXXX XXXX XXXX XXXX XXXX  respectively but unfortunately, Shellpoint Mortgage Servicing is not forwarding my request to the Investor of this Mortgage Loan who is XXXX XXXX. XXXX XXXX must have standard process for all Mortgage Loans. Hence, I request, demand & provide Legal Notice to Shellpoint Mortgage Servicing to forward my Forbearance Extensions Request to my Mortgage Loan Investor XXXX XXXX & let me know their response ASAP. 

I also requested Lawfully to Shellpoint Mortgage Servicing to not charge me any Late Fees until my Forbearance Extensions Request is Pending with the Investor of my Mortgage Loan & suppress the Negative Credit Reporting or face Legal Actions.
Consumer complaint received 2021-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

TRANSWORLD SYSTEMS INC is reporting a debt that is not owed. Attached is a copy of a statement from XXXX notifying me of cancellation on XX/XX/XXXX, it also shows the original date of delinquency is XX/XX/XXXX and not XX/XX/XXXX. Also is a copy of the contract between myself and XXXX. It is not signed by me or other parties. No documentation with my signature is even on file. Also in the contract agreement there is nothing stating that if this policy was cancelled for any reason funds we be due to XXXX or any other party. This debt is not valid. I have more proof that I do not owe this. I would rather avoid taking TSI to court. XXXX has given you paperwork for a debt that is not owed. XXXX is under investigation by the Georgia Insurance commission for improperly reporting a debt and violating my rights. Any further reporting by TSI I will have to file legal proceedings against them as well. I don't owe this debt. XXXX made a error on this account that was sent to be fixed in XX/XX/XXXX. They never fixed it and a computer error was made on their part. This is not owed and was never delinquent in XX/XX/XXXX. Either report the true date of delinquency or I will take legal action.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC. (TN)

I keep getting phone calls from HFS. ( Halstead Financial Services. They call and ask for XXXX who is my daughter and I keep telling them she does not live with me. They even called and asked for me but gave me her social security number. They keep calling stating I am XXXX and to stop playing games. I do not owe these people nor am I XXXX. XXXX.
Consumer complaint received 2017-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company (MD)

XX/XX/XXXX I purchased my townhome and had my mortage with XXXX, XX/XX/XXXX I received a letter from XXXX stating that my mortage was now with Statebridge, also the stated that everything would stay the same in the transfer. My escrow paid my taxes, house insurance and a bond that stays with the house for the Water and Wastewater facilities installation in the amount of {$300.00} a year. XX/XX/XXXX I received a bill from XXXX XXXX stating that my {$300.00} had not been paid for XX/XX/XXXX or for XX/XX/XXXX, I faxed a copy of my bill to Statebridge in XX/XX/XXXX andXX/XX/XXXX asking them to pay this bond. I never received any information from Statebridge, I then emailed them again inXX/XX/XXXX and they keep stating that this is a water bill and they do n't pay water bills. I have been trying to explain to them and I still have not received any information from them. I again called Statebridge on XX/XX/XXXX XXXX, XXXX,XX/XX/XXXX and XXXX, I still have not received an answer from them, I spoke to four of Statebridge representative but they had no answers or information only stating that it has been sent forward and that I should hear something within 5 days, I am still waiting. This account has a fee of XXXX added for late payment and sent to XXXX XXXX XXXX XXXX, PA, I feel that I should at the very least receive a call back or email from Statebridge as to what is happening, in order to avoid a Intent to File Lien I have sent {$300.00} and will pay {$100.00} a month until this amount of {$640.00} is paid, thank you for any help or advice you can provide, I am retired now after 40 years with the federal government so this money is a big part of my monthly spending, thanks, XXXX XXXX
Consumer complaint received 2023-09-24
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC (MA)

***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. I, XXXX XXXX am the trustee, estate representative. XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. The property is currently ( XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. *** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!?
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (AZ)

I have been working with my student loan servicer FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) to obtain my {$17000.00} XXXX loan forgiveness for being a 5 year XXXX at a low income XXXX. I had to submit the application about 6 or 7 different times, each time the loan servicer would find something entirely different than the last as being " incorrect '' or " missing ''. Finally, on XX/XX/XXXX/17 they agreed that my application appeared complete and they forwarded the application to the Department of Education, however, it has now been over a month and I 've still not heard anything as to the status of my Forgiveness. I 've inquired multiple times with them via the email feature on their website, only to not receive any response. Because of the multiple delays on all of my applications, I 've been charged interest on the {$17000.00} balance that should have been approved almost a year ago. Any help on this situation is greatly appreciated!
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, I am filing this complaint against Trans Union credit bureau. They are reporting inaccurate information on my credit report. I have previoulsy disputed the information on my credit report and have n't received a resolution to the matter. There are several accounts reporting that do not belong to me as well as all inquiries I have reviewed on my report. I have filed a police report in regards to this matter. I am requesting that all hard inquiries be removed immediately as well as the 5 accounts in collections that do not belong to me as mentioned before! They were also inquiries that were removed and added back to my report with giving me 5 day notice which is required by the FCRA. This is a violation of this statute. I will continue to pursue all actions accordingly until this matter is resolved. I have provided a copy of my identification to speed up the process.