davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-03
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. (FL)

My name is XXXX XXXX My Experian report # is XXXX Account name XXXX Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.
Consumer complaint received 2020-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2020 a {$17000.00} wire transfer was sent by me from my bank, XXXX, to SunTrust bank in XXXX Florida. 
This money was initially reported as not found by SunTrust. After many months, I was sent a check for {$16000.00}. I was missing {$230.00}. 
SunTrust would not respond about this shortfall. XXXX Police contacted SunTrust and were told there was no account. 
I ask for my {$230.00} refund.
Consumer complaint received 2021-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: BCO Consulting Services (CA)

A few days prior to XX/XX/2021 I received a call about student loan forgiveness. I was told they are working for the U.S Department of Education, working with Public Service Loan Forgiveness. On XX/XX/2021 I called back to discuss forgiveness options. I was told I would have immediate relief and very small monthly payments. I was told that my other loans would be taken care of immediately and upon looking today, XX/XX/2021, and I still have my student loans due for this month. I was told I would have 4 monthly payments to start of {$190.00}. They automatically took out {$190.00} on XX/XX/2021, and it will happen again this month on the XXXX. I believe I am being scammed due to reading upon reviews of this conpany. All of my sensitive information was taken right off the bat and I, unfortunately did not give a second thought to it. I was not told where or even who my payments were going to. Looking upon my bank statements on XX/XX/2021, it looks like it's called BCO Consulting Services. They were insanely friendly and were intently knowledgeable with everything, which is probably why I didn't think twice about it.
Consumer complaint received 2017-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I opened a Citibank credit card in XXXX, and a week later I got a mailed offer of an opening reward way higher than mine. I tried to call the customer service several times but they 're not willing to match the reward because they said the reward is for new customers, which ironically I am. I seriously doubt if the lady understands English.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-08-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (OR)

I sent money to a supposed dog breeder, XXXX XXXX, in XXXX, Washington, in two separate payments, one {$200.00} payment and one {$300.00} payment on XX/XX/2022, via XXXX from my US Bank account. This morning when I tried to contact the breeder to find out when I was going to pick him up today ( XX/XX/2022 ), he blocked me. I tried calling and no answer. I tried reaching out to my bank ( US Bank ) and they said they could not refund me the money because the transaction had already been completed. This is complete fraud/scam.
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I previously initiated a complaint on XX/XX/20 against LVNV Funding, LLC because they acquired an account from XXXX XXXX XXXX in my name for $ XXXX.LVNV Funding, LLC responded on XX/XX/20 advising that the account was in process of being returned to the original creditor ( XXXX XXXX XXXX ) however, XXXX XXXX, XXXX is still erroneously reporting this {$460.00} debt on my credit reports in their name. I would like for this unwarranted debt to be removed from my reports ASAP.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

Company have three times I paid on time my bill and they state the information that was entered was incorrect days later. The company had refused to provide proof to show that the information incorrect. Have charged me fee told me multiple times that they have removed them now they are harassing me at work even though I had always paid my bill on time. The company push to have you set up automatic payment and it seem to be the only way to prevent this from happening. The company would pull the money three to five days before the due date which had caused problems.
Consumer complaint received 2023-02-01
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau (IL)

This debt showed up on my credit report on XXXX XXXX XXXX ... I never received a dunno letter. So I mailed out a letter on XXXX/XXXX/XXXX requesting debt validation that I owe this company ( sign contract ) ... I never received any information. I sent my second letter XXXX/XXXX/XXXX requesting the same information and have n't received anything. I disputed this thru the credit bureaus and was told the information was correct.
Consumer complaint received 2022-03-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (CA)

My mortgage was held by a company called XXXX XXXX. I took advantage of COVID forbearance and at the end was offered a modification that took my mortgage to the $ 2500/mo range . In the middle of this modification my mortgage was sold to a company called Midland Mortgage, part of Midfirst Bank ( loan number XXXX ). Midland is either completely clueless or, I suspect, is actually trying to deny me the modification I am entitled to through the various federal COVID relief programs. 

My last mortgage statement was only showing an escrow amount of {$230.00}. This is insufficient to cover my PMI, homeowners insurance ( $ XXXX ) and property taxes ( over $ 8000/yr ). When talking to them they said my actual mortgage payment is going to be nearly $ 3000/mo. I can not afford that and it is contrary to the documents I had already signed with the previous mortgage holder for the modification down to {$2500.00}. When I asked to speak to a supervisor, I was just transferred around among other tellers and left on extremely long holds. They clearly were just trying to wear me down. 

Again, it is my belief that this nonsense represents an intentional attempt to deny me relief that I am entitled to from the federal COVID relief.
Consumer complaint received 2020-11-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/20 I sent out XXXX letters to all 3 credit bureaus Transunion, XXXX, and XXXX. The letters detailed my disputes of the accounts that the bureaus are reporting inaccurate information on my credit profile. Its been over 60 days and I have not received any information on the results of the investigation from the bureaus.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

After numerous disputes experian continues to report a payment history on an account that has been paid and closed since XXXX they will not stop reporting a monthly history on this item for XXXX they have two paid on time payment and two months as repossession making it appear it was repossessed again in XXXX and lowing my score I have called and filed a complaint directly with them after three different disputes they will not update this payment history there should not be an active monthly report for a closed and paid account with XXXX XXXX.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I wrote Equifax, XXXX  and XXXX to requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from any of the credit bureaus or any acknowledgment that an investigation has begun. All letters were sent certified mail. Its going on five months and I have yet to receive a response.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am the victim of identity theft along with my wife through XX/XX/2019 and XX/XX/2019. I can not get a hold of a single person at this company. Someone has created a fake XXXX email address in XXXX and created an account at experian. I am trying to get it removed, get my account reset, and access my information and can not reach a live person AT ALL. Their online service just directs me to make a phone call and the automated service just directs me back to the website!!!! I have tried everyphone number I could find for this company including the client number. I can not get live help with this! These people are holding my information XXXX and have given it up to the wrong party. 

I attempted to go through traditional mail and received no response and I have multiple things I need to dispute! 
Someone has my AND my wife 's SS numbers, Address, Phone number, bank account information, credit card information. I need help ASAP. This is the only company of the 3 I can not get a hold of and this is the one that is compromised with the fake accounts! 

I have also tried to called XXXX to have them report or delete the fake email accounts and they told me to contact Experian ... 
I have FTC reports, Police Reports, and credit reports from the other 2 bureaus.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Today is XX/XX/XXXX and I just got off of the phone with Capital One regarding a restricted account. Ive been making my on time payments for the past few months as the card was restricted and theyve sent me a letter stating my card would be available for use again if I made 5 on time payments which I did since last year ( XXXX XXXX and I spoke to someone a few months back and they indeed found the letter but still couldnt open back up my account. Theyre stating its permanently restricted. One issue is that this is my oldest card and second issue is that the card has an annual fee. I confirmed today with a Capital One Account Specialist that my account would be remained opened without spending privileges and he doesnt know what he could do to help me with the annual fee which will be charged on XX/XX/XXXX.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST FINANCIAL SERVICES, INC. (NC)

On XX/XX/2019 I received a call from First Financial stating that I had a past collection from a company named XXXX of XXXX. They provided me with all of my personal information such as full name, date of birth address maiden name, etc and stated I could settle this balance for a payment of XXXX. They also included that I had an available open balanced credit card to put it on and that they would only be able to do it today so my credit score wasn't affected. I was in a panic because my husband and I were in the middle of purchasing our new home out of state so I paid the XXXX. 

Come XX/XX/2019 a different collections company called me stating the same exact thing.. 
I owed for a past XXXX account, I owe monies,,, etc I explained to them that I had already settled but had no documentation ( only cc statement ) and they proceded to get pushy saying it wasn't fulfilled with them, I need to pay today or it will affect my credit ... etc etc. I don't remember this company 's name ( papers are packed somewhere ) but I wasn't paying twice. So I tried to contact the company who called me first, First Financial and can not get anyone on the phone. Goes to a generic automated voicemail. 

Called XXXX XXXX XXXX and explained that I had a fraudulent charge ... I had to write a letter stating my concerns. They took the XXXX off my account due to fraudulent investigation. As on XX/XX/2019 my card company placed the XXXX back on my card with the explanation of they are satisfied with what First Financial provided. I can not get a hold of that company whatsoever and that is all my CC company is providing.. Now here I am filing a claim,,
Consumer complaint received 2023-02-01
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. (PA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX
Consumer complaint received 2022-04-03
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: CLGF Holdco 1, LLC (PA)

I closed on my new home on XX/XX/XXXX. I immediately started notifying my creditors of my new address. I received a collection call from Genesis F.S. card services informing me that my XXXX payment was delinquent. I told her I had paid all my bills. I asked her if statement had been mailed. She said they received my change of address but they were waiting for me to call before they approved changing it. I've never heard such b.s. but okay. I paid my delinquent XXXX paint as well as my XXXX to bring account current. I asked her if my account had been reported 30 days delinquent. She said yes. I asked for correction to be submitted. She said ok. I then made payment of {$1100.00} to pay account off. I did follow up call on XX/XX/XXXX. Spoke with XXXX. Td him I was following up on cbr correction. He said he sees in note request was sent but takes 30 -60 days. I asked for letter to be sent for me for my records. They sent me a letter basically asking me why do I want cbr corrected. I fell as though this company is using unfair tactics to abuse customers.
Consumer complaint received 2020-09-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NC)

I had an Old Navy Credit card through Synchrony Bank that was charged off in XXXX. I did not receive any information on it until i called in XXXX. Synchrony stated that the entire amount was written off. I continued to monitor my account and noticed that a balance of {$630.00} was past due on XXXX XX/XX/XXXX. I contacted Synchrony and  they stated that the entire amount was past due and they would send me a 1099c. XXXX XX/XX/XXXX i contacted Synchrony to find out the status of my 1099c because i had not received it. They stated they would send it again. Approx. XXXX XX/XX/XXXX i contacted Synchrony again asking for my 1099c. They verified my address and stated they would send it again. XXXX XX/XX/XXXX i contacted them to inform them that i never received my 1099c. I disputed the information on XXXX, XXXX, XXXX XXXX 12 times the last one being XX/XX/XXXX. Each time The information changed from being {$400.00} written off to {$1600.00} written off and {$630.00} past due. I asked to pay anything that was past due and i was told the entire amount was written off and they were no longer collecting on the account. I asked if the entire amount was written off then why is there a balance showing. They said they would send an updated 1099c with the corrected amount that was written off. I sent an email to the CEO of Synchrony XXXX. I was contacted by Customer Relations XXXX XXXX on XXXX XXXX. She stated that only {$400.00} was written off. and that my disputes that i filed with the credit bureaus showed {$1600.00} written off and i would like the correct information to be reflected on my credit reporting accounts. I explained to her that this was incorrect and the balance should be reported as {$0.00}. XXXX agreed. I received a new dispute update today and the incorrect information is still reflected on all 3 credit bureaus
Consumer complaint received 2023-02-01
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. (RI)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

I refer to the XXXX XXXX, and XXXX XXXX XXXX package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original WET INK  contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX  XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX  did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX  XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to  the following : 1.  XXXX XXXX, and XXXX XXXX  XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. Thank you