davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (MI)

On XX/XX/XXXX, I attempted to report fraudulent charges on my checking account. I went into one of TCF 's branches to report 4 fraudulent charges that had been made by the same company. I declined receiving a new debit card as I intended to close the account after reporting the fraudulent charges. I was informed by the manager that if I chose to close the account, it would void any fraud report and I would not be able to recuperate lost money.

Upon hearing this, I asked to speak with the branch manager. She repeated this same information. I asked for a corporate contact number. The branch manager refused to give me any contact  information for anyone beyond that internal branch. 

I have since called into TCF 's customer service line. I have repeatedly been told I would receive a callback within 24 hours of the call. I have yet to receive a call back 10 days later. I have repeatedly asked their customer service contact people for a corporate contact number. As of this filing, I have made this request verbally 176 times. I have been denied all 176 times.
Consumer complaint received 2024-02-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (NH)

On XX/XX/XXXX I called Truist Bank and requested a 10 day payoff amount to pay off my car loan. I was quoted {$3300.00} as the balance owed. I paid that amount on the XXXX to payoff my auto loan as I made agreement to sell my car privately. I was told by the bank that they hold the title for 7 days and then its 12-15 days after to receive the title. 

I called the bank on XX/XX/XXXX and advised that I had not yet received title. I was told by the person I talked to that I should be receiving title at the latest middle of next week. 

Today I called the bank again because I have not received any documentation regarding paying off my car loan, no statements, no payoff letter, no lien release, no nothing. I spoke with two supervisors who refused to give me any of that information. They all said it would take another 20-22 days to get a payoff letter. I told them this is unreasonable as I paid the loan off on the XXXX of XXXX. I was told by a supervisor that there was an interest error that occurred at the time of payoff and that they decided to fix it on XX/XX/XXXX. This means they sat and waited on following their company procedures to release title until the very last minute and even beyond the expected wait times. I was then told that I have to wait another 12-15 days to get the title from XX/XX/XXXX and then I have to wait XXXX days from today to receive the lien release. This is absolutely unbelievable as I have now lost the ability to sell my car and have lost {$8000.00} I was expecting to have. 

Truist Bank is a lying financial institution that has caused me financial harm by delaying the release of lien and title beyond their company policies and timelines. They are also required by New Hampshire state law to release the lien after payoff within 10 days from the date the loan was paid off. I intend on filing a small claims lawsuit against the company for damages due to their inability to provide me documentation at the time of paying off my loan, release of lien, and title within a reasonable amount of time. I will also be filing a complaint with the better business burearu as well as these actions can and have caused financial harm to me the consumer. They should be held accountable for this egregious and poor service in the finance industry. 

Refusing to provide documents at a loan payoff in a reasonable amount of time is sneaky and shady and illegal. They took my money and lied about timelines and expectations ever since. I will NEVER be using this bank again for any loan purposes.
Consumer complaint received 2021-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (CA)

In XXXX, XXXX XXXX XXXX sold $ XXXX of debt to Real Time Resolutions as I was not making payments on this line of credit, nor was I making payments on my first or second mortgage either, because we were upside down on the home ( owed {$450000.00}, sold for {$180000.00} ). The home was foreclosed on in XXXX of XXXX. 
This XXXX, XXXX, I pulled my credit reports, and noticed that Real Time Resolutions ( RTR ) was reporting a debt collection as a 'Mortgage ' and that it was 'Open '. This means the debt could be reported indefinitely. I sent RTR a letter, XXXX/XXXX/XXXX, demanding that they correct this as 'closed ', report is as a debt collection, list the original creditor and the original date of delinquency, as I believe it is past the statute of limitations on 7-Year reporting. I also demanded a copy of my 'Loan ' documents as well. RTR had previously had to remove a fraudulent report of a one-time payment, shortly after the foreclosure, I feel in a deceptive attempt to " RE-AGE '' this account. Why would I make a payment on anything on a home that I had already moved out of, and left for foreclosure? RTR corrected it. 
I just received a letter from RTR, XXXX/XXXX/XXXX, stating the information would not be changed, that it is 'correct ', with a cheap spreadsheet attached called " Loan History Summary '' ( also showing no payments ). I did not receive copies of the original " Loan '' documents as requested. 

Real Time Resolutions is a debt collector and a debt purchaser. They are not a mortgage company. I want the debt listed as a collection, with the Original Creditor listed and the Original Date of Delinquency listed as well, so this debt will drop off soon, if not now, as I believe I had not been paying on this equity line long before I stopped paying my mortgage. Otherwise, I want REAL proof that I signed a mortgage with this company, as demanded. What RTR is doing is DECEPTIVE, ABUSIVE and UNFAIR, and violates the Dodd-Frank Act. 

My credit is not improving after the foreclosure which happened over XXXX years ago. It is stagnant because of RTR, forcing me to pay higher interest and fees, and even forced me to pay an additional deposit on a home I just rented in XXXX, XXXX, due to my credit score. My current credit reports do n't even mention the old mortgages anymore, only RTR remains. I have read that RTR does all this to force settlements/payments, as they are the only ones left after foreclosures, and people ca n't move on and rebuild their lives until RTR gets paid, only because people are n't educated on Real Time Resolutions deceptive practices. 

Please help us resolve these issues, help us get proper documents as proof that we owe or do not owe, and make RTR report this debt as a collection correctly to the reporting agencies. 

Thank you.
Consumer complaint received 2019-05-18
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: PNC Bank N.A. (PA)

My name is XXXX XXXX I have a virtual wallet with you, sometimes I make mistakes but always make sure my stuff ends up getting paid, I couldnt even get approved for the one card I applied for I truly like this bank and would like to stay with you guys, my partner has ten accounts with you, I just would like to just use my Pnc credit card that I keep getting denied a lot of my credit report is inaccurate and Im going through firms to try and clear it up but it just doesnt go anywhere. I would hate to leave this bank because they can trust me with a credit card my partner has been with you guys for over 20 years and has more money saved away than most, I just truly would like to get the Pnc points credit card. Im sorry for bothering you guys. I just dont want to stop going through Pnc because of this.
Consumer complaint received 2022-09-10
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)

On XX/XX/2021 Equifax received by certified mail, an ftc report, police report and affidavit of truth advising them of instructions on what to report as well as remove from my credit report. They have failed to follow my written instructions. 
On XXXX XXXX, 2021 XXXX disputed department received by certified mail my ftc report, police report as well as an affidavit of truth as well as a statement of violations. They were given written Instructions on what to report/remove from my consumer report. All 3 bureaus was sent all of the corresponding information. Everything that needed to be notarized was so.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/ 2019, I set up an online bill pay to be sent to a particular address XXXX XXXX XXXX  and Chase sent the payment to the original creditor which is XXXX XXXX. I have called XXXX XXXX  on numerous occasion regarding this payment and they have not forward it the payment to XXXX XXXX. Additionally, Chase will not refund the funds back to my account The only thing that Chase Bank said they can do is send me a proof of payment that the payment went to XXXX XXXX XXXX. Due to the fact that Chase Bank sent this money to XXXX XXXX in error, they should be required to send me my money back in the amount of {$690.00}.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2018-06-07
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I went to XXXX XXXX in XXXX XXXX  Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then 24 hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, XXXX XXXX, and capital one auto finance they refused to do anything about this issue so I then filed a complaint with the XXXX XXXX XXXX and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information
Consumer complaint received 2022-08-11
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 


XXXXXXXX XXXX  CC XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-11-28
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. (OR)

There was not a more applicable radio button.

TransUnion changed the way they calculate payments for all consumers. Due to their recalculation, my credit score dropped 70 points in 1 month. This is especially impactful because I just got promoted and am supposed to move to Texas but now I fear it will be significantly for difficult and more expensive to do so.

This seems like a drastic, unfair change.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XXXX XXXX, XXXX, I requested my free annual credit report on XXXX from XXXX and TransUnion, and received my XXXX report promptly ( same day ). 

TransUnion has failed to send anything to this day, it is going on XXXX weeks and not a word from TransUnion. I tried to reach out to them but can not get through and I need this information in preparation for its use... If anything needs correcting, I will likely be unable to correct things in time. 

Please help. No customer should be treated like this especially when XXXX and XXXX were very prompt and responsive. 

XXXX XXXX
Consumer complaint received 2019-05-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This is a follow up concerning case # XXXX. Current complaint # XXXX, In XX/XX/2018 case # XXXX. 
This time under the name Midland Funding LLC. Sued me on XX/XX/2018. After CFPB got involved Midland apologized. 

Case XXXX after CFPB Midland agree and agree that my address was going to be put in do not Mail As you can see they sue me on 3 different time for the same for the same debt. They use different names But is the same company. 

They are not living to their commitment to CFPB.
Consumer complaint received 2022-12-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. My name is XXXX XXXX XXXX. 
Recently, I found out I was monthly charged XXXX XXXX XXXX twice from XXXX credit report company. It has recurred over a year. I never signed a membership with them nor received an email regarding my membership or account information. The credit card number that has been charged is XXXX XXXX XXXX XXXX. I am very frustrated to find out about this fraud and hopeless without help from CFPB. 
I already tried to settle this dispute with the company, however, it is impossible to talk to any of them. 
Thank yo so much. 
My contact number is XXXX My email is XXXXXXXXXXXX total amount = XXXX
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-09-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (GA)

I have an account with Grain.I have had an account for over a year.For the last several months I have not been able to make a payment. I have reached out a number of times via email and nothing has been resolved but things are being constantly being added. I have interest charges and late fees from the first of every month since XXXX. The amount range from {$2.00} to {$30.00} in fees. They have asked for multiple screen shots that Ive already provided about the issue on not being able to make a payment. Again, nothing has been resolved.
Consumer complaint received 2021-07-05
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. (CO)

Ive filed an identity theft with FTC and sent all supporting documents to TransUnion & XXXX First letter was in XXXX and I have sent 5 letters including copies of the fraud report and they still have not removed this item from my credit report.
Consumer complaint received 2019-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (AL)

I was told by the company that they will keep money that was given to me in the form of a check to repair storm damage to the property. They only want to give me XXXX % at a time. This isn't enough money to even begin repairs. I can't get a contractor to agree to start the process.

I believe that the bank is trying to prevent me from getting repairs done, so that they can keep the entire check.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (MA)

On XX/XX/XXXX, I requested via certified # XXXX XXXX XXXX XXXX XXXX RESURGENT CAPITAL to cease communicating with me, after which I was contacted several times and I requested any documents bearing my signature that prove I have a legally binding obligation to pay the alleged amount. On XX/XX/XXXX, I received a fake print out and RESURGENT CAPITAL are stating the copies as evidence of my legal obligations. In accordance with the FTC opinion letter from Attorney XXXX XXXX XXXX, I would like to remind RESURGENT CAPITAL that a printout of a bill or itemized document does not constitute verification. 
A copy of any documents, bearing my signature, showing that I have a legal obligation to pay RESURGENT CAPITAL the alleged amount is again requested.
Consumer complaint received 2021-07-10
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)

These account do not believe to me, I do not recognize these account numbers nor accounts. I believe that i have been a victim of identity thief. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} opened XX/XX/XXXX XXXXXXXX XXXX {$840.00} Opened XX/XX/XXXXXXXX XXXX
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (CA)

On XXXX XXXX 2017, I received a phone call from XXXX XXXX XXXX XXXX stating that they had removed me from the Public Service Loan Forgiveness ( PSLF ) program without my permission after 5 years and 8 months of on-time payments. I filed a complaint with the Department of education whom just referred the matter to a Great Lakes representative. That representative said they had no records of me ever being in the PSLF and unless I provided proof, I was stuck. They said if I wanted to be placed in the PSLF it would restart the clock back to XXXX and I would have to pay for an additional 10 years. Shame on them! I re-contacted Dept. of Educ. and stated that no one has contacted me regarding this complaint. I have not spoken to anyone researching or investigating my complaint. They simply restated information received from Great Lakes as valid, which is far from the truth. The information stated by Great Lakes is not true and is fraudulent and is the basis of my complaint. I did not at anytime authorize or agree to be taken out of the PSLF program. I would never do that. Any information to the contrary is false. It is my opinion that Great Lakes is a dishonest, lying, crooked company, and their intention is not to help the consumer at all. Conversely they have done everything possible to drive me into default even though I have never missed a payment. They deceived me and told me I was not eligible for any other program, and that I could not have my loan serviced by anyone else, and I just had to cooperate and pay the new raised amount for the next 10 years. I have contacted Great Lakes multiple times with No success, No options provided, no sympathy, absolutely terrible customer service, rudeness, and straight up LIES! I will never do business with them again and I STRONGLY warn anyone else of the same. Especially Veterans and Federal Government workers, BEWARE!
Consumer complaint received 2020-06-23
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: Experian Information Solutions Inc. (AR)

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$0.00}