davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

Opened XX/XX/2019 and closed on XX/XX/2019. There was a problem with the bank account that I had linked it with and they didn't get payed properly so they closed. 
Now they are reporting me as bad credit and it is affecting my credit score.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2021-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I have multiple accounts with Suntrust Bank now Truist. I have had issues with someone printing fake checks and processing them through my personal account. We typically catch them and they get reversed somewhat quickly. I never find out the outcome of the case. On XX/XX/2021 a check for {$9800.00} was cashed and taken out of my account. Nothing about this check looks like one of my real personal bank checks except my account number and my name. The address is not the same address that I use and it has Rental under my name. My checks do not have that. The signature on this check along with all the other ones is no where close to my signature. I have contacted Suntrust. they are in investigating but my issue is that my mortgage payment has not been able to be processed. They have tried twice and since i am in the negative it will not go through. I have been a long time customer with Suntrust. I have my business account through them as well. This is become a huge burden on me. I have no information of the status of the claim. I don't even understand how the check went through with the way it looks compared to my other checks along with the signature. I need assistance and I need it fast before I end up having issues with my mortgage company. I have filed a police report and i have filed complaints with other federal organizations looking for assistance. my case number with Suntrust is XXXX. Any assistance with this would be appreciated
Consumer complaint received 2020-10-16
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. (TN)

I am extremely furious and I pray that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. At this point, its been over 60 days. I'm pretty sure that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.
Consumer complaint received 2016-02-26
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Rosebud Economic Development Corporation (CA)

I received a loan from XXXX for XXXX in XXXX XXXX. I had paid them XXXX by XXXX/XXXX/XXXX yet they still showed me as owing the XXXX balance. The legally allowed interest rate in CA is XXXX per XXXX borrowed, which would have been a grand total of XXXX legally allowed. I wrote them on XXXX XXXX revoking my ACH authorization as they have now been repaid the amount legally allowed. This morning that again deducted XXXX, meaning they have taken XXXX, as well as still showing me owing XXXX and ignoring my letter revoking ACH authorization.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX and XXXX I was a victim of fraud. Someone stole my social security card and state ID, and then opened fraudulent accounts in my name. I have a police report when my identification was stolen.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing.

I have enclosed a copy of my credit report highlighting the charge-off entry for your reference.

I understand the importance of accurate reporting on credit reports, and I believe that this charge-off entry is inaccurate.

I request the following actions be taken : Immediate Removal of the Charge-Off Entry : Conduct a thorough investigation into the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated.

Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address this inaccuracy. I am asking for your assisstance to remove othese accounts in my credit file : XXXX  XXXX Balance : {$250.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 

XXXX XXXX XXXX : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (KY)

My mortgage is with BBT, I have property tax and insurance escrowed. My loan is {$170000.00}, my monthly escrow is {$370.00}, my appraisal is {$230000.00} and assessment is {$2300.00} due in XXXX each yr. My escrow balance was {$4000.00} and my account has never been late.I signed up for online banking 2 weeks ago and saw BBT debited my escrow for {$16.00} to pay my property taxes. Now this is not a new loan, the bank has a file with my property description, value, name on tax ticket, and of course the correct amount due because I pay escrow & they do a Escrow Analysis each year. I checked with the XXXX XXXX Tax assessor web site and saw my taxes were delinquent and a 21 % penalty.This is a huge problem because property gets sold and then you have to go thru a 3rd party to buy it back. I was so shocked because I know Banks have strict rules that govern paying escrow payments on time and accurately. After multiple phone calls and BBT employees telling me the bank will pay and I would not be responsible for the penalty, I sent faxes and finally a legal " Notice of Error '' to document my written request. My taxes were finally paid after 2 weeks but BBT also charged my escrow for the {$550.00} penalty.My position is that Red Flags should have been raised when they issued a {$16.00} check to pay my taxes. Where are the safe guards, common sense and professionalism in paying {$16.00} in taxes on a large mortgage? They are blaming me because they paid the wrong tax ticket. They paid a ticket on XXXX acres unimproved hillside property, valued at {$1600.00} in SOMEONE ELSES NAME. I have nothing to do with the tax assessor office, I do n't know my tax # unless I look it up. The bank does however have my file and all info. Because they paid the wrong ticket, they are charging my account for the penalty. The Bank has an agreement with me that we both signed to pay my taxes on time, and I do n't see any ifs, ands or buts in the agreement. All they had to do was be proactive, check the tax web sight & they could have avoided this disaster.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

The lender failed to give me a modification when I am eligible for XXXX. I hired a lawyer and the lawyer agrees with me. The lender, however, is still trying to take my property. Due to the recent denial, I need your immediate help because I do n't know the sale date.
Consumer complaint received 2015-09-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (GA)

i am licensed GA real estate agent. I am extremely active in the real estate market and do a significant number of transactions. Even with my my significant real estate experience, I have come across a situation that not anyone I have contacted can help resolve. We are scheduled to close on my primary home and a line of credit from Wachovia ( now Wells FArgo ) has shown on title to the property. We have over 100 man hours ( no exageration ) attempting to get in touch with someone at Wells Fargo. This includes the attorney 's office. We have escalated to the " Office of the President '' at Wells FArgo. Wells Fargo will acknowledge we have a XXXX balance but they will not give a release. Without a release, I can not convey the property. 

We are going to make a complaint with the Department of Banking and Finance. Unfortunately, that is a slow process and could take several months to resolve ... .no guarantees on this course of action. 

We could hire an attorney but an attorney in this field is going to charge {$350.00} per hour. The number of hours that the closing attorney has put into this researcjh and our time is once again over 100 hours. You can see the 100 hours at {$350.00} per hour gets very expensive. 

We are scheduled to close this Friday. We are truly at our wits end. 

Even with my tremendous amount of experience, this has stumped everybody involved and we have no idea what to do.
Consumer complaint received 2024-02-19
Product: Credit reporting 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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Called SPS Portfolio Servicing to make my XXXX mortgage payment on a permanent loan modification and was transferred ( 6 ) times to different representative. Lastly XXXX XXXX, SPS Collections Manager tel : XXXX working hours XXXX -XXXX ( Monday through Thursday ) indicated that the instructions from SPS Attorney, XXXX XXXX was to refuse payment and transfer the call to her office. I have tried at least 6 times to make the payment over the phone. On hold now for 1 hour 45 minutes. I have asked to speak to upper management by XXXX XXXX indicated that he is the manager on duty and can not accept my payment per SPS Attorney, XXXX XXXX
Consumer complaint received 2015-03-20
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NJ)

American Express has misguided me into closing my platinum card account, saying I could still use my XXXX membership rewards for 45 days once the card had been closed. Once the card was closed I could no longer redeem these rewards. I have tried to reopen the card to use the rewards, but American Express have rejected my application to reopen the card citing credit reasons. I feel I have been treated unfairly, and having been an American Express cardholder for 11 years, now feel cheated out of my rewards by having been advised to close the card and stipulated to that I could still access these rewards.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent item persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I XXXX be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove this fraud item in my credit file : XXXX XXXX  XXXX Balance : {$1500.00}.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-20
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: Experian Information Solutions Inc. (GA)

Experian stated they mailed a reinsertion letter the following day but I never received it. I would like a copy of the reinsertion letter that was mailed to me stating that XXXX, XXXX XXXX and XXXX XXXX XXXX was reinserted. If they can not provide a copy of the reinsertion letter as proof I am requesting these item be removed from my credit report.
Consumer complaint received 2020-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TOYOTA MOTOR CREDIT CORPORATION (SC)

On XXXX 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Platinum Holdings Group, LLC (PA)

Premium Assets has called our # numerous times over the past few months. We usually are not home to get a call and most times they do not leave a message. Several times they left a message and it may be for an estranged relative. Two weeks ago i was home and answered the call and told the woman, who would not give her name, that they needed to stop calling our #. She said they would remove our #. Today at XXXX a woman called again. I told her again to quit calling our #. She asked why we never answer the calls. I told her it was none of her business and that the person they are calling can not be reached at this #. She became snippy and finally said she would remove our # from their list. I told her i requested that before ... she said again it would be removed. at XXXX she called again. and before she could continue harassing me I told her that I had just talked to her and since she did not take me seriously I was filing a complaint with the ftc. She disconnected the call. I am not happy being hounded for a debt that is not ours. Please review this claim and if possible please advise this company that if they continue to harass us I will be filing more complaints. On several messages they have left they have advised that we are going to be served with legal papers if we did not respond by XXXX that day. Well many of those days have gone by and no one has shown up at our door with papers. I am tired of them continuing to contact us. 
Thank you
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CT)

i had been an american express member for about 20 years, i saved up 695,000 reward points .... in XX/XX/XXXX the app that amex pushed me to use for paying the balanace and also has a reminder feature DID NOT remind me and i missed a payment, this is the only payment i have EVER missed. 
i only knew this when a charge was declined ... after calling amex they informed me i was now paying a " peanalty rate '' over % 30 .... needless to say i was frustrated and the conversation turned nasty. 
** I DID raise my voice a bit and criticized the company, NEVER attacking anybody personally... 
days later i called back with a calmer voice and the customer service supervisor told me she would revert the rate back to the standard % 18, refund the fees, and also apologized to me... 
***** my balance at the time was appx 12k, i informed this personi was going to pay about half, and then use my points balance to pay off the remainder but that i would wait until XX/XX/XXXX to do this for tax reasons .... 

i was gutted about 3 weeks later, early XXXX when they shut off the card, canceled the account and DELETED the 695,000 ( + 6k from last payment ) reward points!!!!! 

its clear this was retaliatory, when i called for the last time the person i spoke to said it was due to my offensive comments made during the 1st call... but during the 2nd call they apologized and they refunded the charges so i feel completly screwed by amex that they encouraged me to collect these points for almost 20 years only to steal them from me .... the cash value is over {$6000.00} PLEASE PLEASE HOLD THEM ACCOUNTABLE!
Consumer complaint received 2017-02-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (MI)

I had co-signed for my grandson for a XXXX student loan thru SallieMae and had payment arrangements of {$100.00} a month which was automatically taken out of my checking account. I then closed my bank account. My grandson was going to take over the payment arrangements so he mailed in a new automatic debit authorization form with his bank information but the payments were never withdrawn. We remailed the forms many times and also faxed in the forms many times and even uploaded the form on the SallieMae website but the payments were never withdrawn. SallieMae kept calling us saying they never received the payments but could never tell us why the payments were n't being withdrawn from his bank account. We would list his checking account information and his debit card information on the automatic debit form. SallieMae wanted us to give the banking information over the phone but I did n't feel comfortable doing that when we had already mailed, faxed and uploaded the automatic debit authorization form numerous times. SallieMae then referred our account to a collection bureau by the name of XXXX XXXX XXXX XXXX XXXX. I do not feel this is fair when we were trying to make the payments. I do not want my nor my grandsons credit wrecked over this.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.