davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I feel that was treated, targeted, and discriminated against on an unfair basis. Started my loan process several months back with Bank of America, The credits reports were pulled with outstanding scores of XXXX on all 3 credit report companies. From the beginning indicated that I was a retired Us Veteran and that I travel overseas and visit family. That I am also a citizen of the United States and have residency for so many years. At the time of application, I was living and residing in XXXX   XXXX. and that I needed to go back overseas to take care of personal matters. That I will return back to XXXX XXXX to close the mortgage process. But due to Coronavirus and travel restrictions due to the virus. That I will leave and Power of attorney to my sister in law to close on the mortgage application just in case I had difficulty traveling. 
After several months the application was denied for the reason listed below. 

Re : Application # : XXXX Loan Program : FIXED RATE FIRST-LIEN HOME LOAN Case # : Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Description of Account, Transaction, or Requested Credit : MORTGAGE APPLICATION NOTICE OF ACTION TAKEN We're sorry - we can't approve your request for a home loan right now. 
We carefully reviewed your application and credit report ( s ) provided by the credit reporting agency ( ies ) listed below and unfortunately, we weren't able to approve your request because : Unverifiable Information : Unable to verify residency
Consumer complaint received 2021-01-21
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. (TX)

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have sent several letters asking this bankruptcy to be verified. I have a letter from the US Bankruptcy court stating they did not report this information to my credit report. When asking to have them verify they continue to send a letter stating verified. I have asked for documentation showing this is my account and nothing has been sent besides a letter stating " verified ''. I have tried numerous times and nothing has happened. The response I get back aren't even where it's possible that they have verified. The response is less than a week between date of them receiving my request and the date of them responding.

I would like it in writing that my account was verified with the US Bankruptcy court, who they spoke with that confirmed this information, with the date and time the conversation was held.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/24 I attempted to make a purchase using the XXXX XXXX feature for SoFi bank, moments after it got declined they also decided to freeze my account. I immediately called SoFi and they told me they dont know when it will get unfrozen and to just monitor my account. I have called many times during this month trying to fix this problem and all they respond is with just keep monitoring your account. I haven not been able to receive direct deposits or access any of my money in the Savings or Checking account. SoFi customer service is truly disappointing and i just want this fixed as soon as possible.
Consumer complaint received 2022-04-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (MN)

1. XXXX XXXX XXXX taken out in XXXX 2. Loan originated with XXXX to send our son to XXXX XXXX XXXX XXXX  Paid full payments monthly, never late. 
3. My husband was injured by a fall and was no longer able to work. Since his income was over XXXX of our total income at that time, our finances were turned upside down. 
We sold possessions and did everything possible to keep our home and our bills paid on time. When I contacted XXXX, it was recommended that I put the loan on forebearance so we wouldn't need to make the payments on the college loan. 
It was my understanding that the payments due were going to be added to the end of the loan. I did NOT realize that the interest would continue to accrue on those missed payments, not that I really had a choice anyway. I don't understand how this is helpful or even fair to a person who is already facing a hardship. 
The loan principal in XX/XX/XXXX when it went on forebearance was {$78000.00} 4. In XXXX was transferred to XXXX and all the accrued interest was now rolled into the principal of the loan. So now I was paying interest on the interest of the loan. 
The new loan principal was over {$100000.00} 5. I applied for income based repayment to attempt to pay the loans down, but the full payment was going to the interest of the loan. I was getting nowwhere. 
6. I made continuous calls since XXXX for better options as I can't get out from under the loan interest. I went through multiple applications, gathering data and submitting all the requirements only to be told the same thing each time. 
These are Parent Plus loans, we can't help ; there is no program available for the parent plus loan other than the Income Based Repayment. 
7. In XX/XX/XXXX my loan was once again transferred and once again the interest has been tacked onto the principal of the loan. 
My current principal balance is {$200000.00}. 
My income based repayment amount is {$420.00} I will NEVER get out from under this loan. 
I need help! PLEASE!
Consumer complaint received 2021-03-04
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. (AK)

Once again, I submitted my complaint, and once again, sent a message saying they were " investigating '' and then sent an email saying it was " updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. 

I am submitting FROM THE COURT, on page 19, where XXXX  was listed for {$33000.00}. I am also submitting the FINAL DISCHARGE showing the mailing XXXX where they were NOTIFIED that the debt was discharged, and a copy of the final discharge showing that ALL STUDENT LOANS WERE IN FACT DISCHARGED. 

XXXX  CAN NOT sell a debt to XXXX 3 years AFTER DISCHARGE to try and collect, and XXXX CAN NOT add additional fees. NEITHER OF THESE COMPANIES can report this as PAST DUE OR COLLECTION DEBT!!!!! SEE ALL THE ATTACHMENTS. 

HOW MUCH MORE DOCUMENTATION AND PROOF does anyone need to show that what is on my credit report is false and unacceptable?
Consumer complaint received 2022-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.
Consumer complaint received 2021-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WV)

I don't really know where to begin. I checked the closed account option but I wish you could have selected multiples because ever since I've opened this account with Citibank it has been nothing but troublesome and total lack of professionalism. I opened the checking account ending in XXXX on XX/XX/2021. I deposited a check and then whenever the funds came available I went to transfer some of the money to my XXXX XXXX account using the XXXX application that is provided by Citibank. Immediately after trying to transfer I get a notice that says suspicious activity. It blows my mind what is so suspicious about transferring money from your new account I mean it makes XXXX sense. But that's just the tip of the iceberg. After trying unsuccessfully five or six times to speak to someone to take care of this problem, I finally get a hold of someone that I verified the transaction and my identity with and was told that I will be able to login to my account at least within 24 hours but should be immediately. A week later and still no access to my online account, I can not transfer any money to or out of the account, and the debit card that was told that I would have in 5 to 7 days has still failed to come in after 3 weeks. So I make me another Citibank account thinking that I'll be able to link my other account with this one but lo and behold what do I come to find out that my original account had been closed. Before I even received a debit card or anything they closed my account after I deposit a check into it. Trying to get any information from their so-called Representatives that act like robots is like pulling wisdom teeth. I don't have very much money in my account but it's my money and I want access to it.
Consumer complaint received 2018-04-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I wish to file complaint against Transunion XXXX I have sent 4 different dispute letters to correct inaccurate information on my transunion credit file. 
XX/XX/2018 was my 3rd letter asking for written verification of collections and I did not receive verification or any proof of an investigation. 
Again on XX/XX/2018 I sent a 4th and final letter to investigate and verify said accounts and still have yet to see any results.
Consumer complaint received 2020-09-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (MN)

XX/XX/XXXX : Mortgage paid in full XX/XX/XXXX : First contact requesting company file satisfaction of mortgage/lien release sent to XXXX [ auto reply referred back to customer service ] XX/XX/XXXX : Followed up with Loancare : " The agent I talked to said that it looks like they're trying to expedite the paperwork and I should check back in 5 to 7 business days. So maybe next week. '' XX/XX/XXXX : Followed up with Loancare. " It doesn't look like it's been sent yet, they have 120 days, they'll try to expedite it, call back in 5 to 7 days. Their 120 days is up on XX/XX/XXXX, if I'm calculating correctly. '' XX/XX/XXXX : Followed up with Loancare. " The agent I talked to today said that they're putting in requests to expedite and those are then being closed because they're not expediting anything due to COVID. She said it usually takes 90 days, which puts us into the second week of XXXX. I said that the others had said 120 days and she admitted it can take up to 120, but it's usually done in 90. And she doesn't know why it takes that long - just that it does. '' XX/XX/XXXX : Followed up with Loancare : " The agent talked to said that the documents were sent in XXXX, but that there was no copy of the document that I could access through their online system and she didnt have a specific date on when it was sent or tracking information or anything. So Im a little concerned that it was not actually filed and she was looking at the wrong thing. '' XX/XX/XXXX : Followed up with Loancare : " I just talked to Loancare again and the person I talked to THIS time said that the document actually has NOT been mailed and the request is being processed and should be released by Friday ( XX/XX/XXXX ). She said that a physical letter is sent to the county and shed put in a request to have a copy e-mailed to me when its released. '' XX/XX/XXXX : Followed up with Loancare : " They said that the lien release was sent to the county electronically on XX/XX/XXXX. '' XX/XX/XXXX : Followed up with county - paperwork has not yet been received. Followed up with Loancare, " they  confirmed that the notes in our account say it was emailed on the XXXX -- I asked if the Loancare agent if e-mailed meant that it was submitted electronically and she put me back on hold. Then she came back and said she *thinks* they were actually physically mailed and theyd e-mail a copy to me as soon as they have it in the system and to call back if I dont have the e-mail by XX/XX/XXXX. '' XX/XX/XXXX : Followed up with Loancare. There is no tracking or proof that the documentation was sent. Agent offered to have a senior manager in the lien release department call me. 6 hours have passed and no phone call has been received.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellar Recovery, Inc. (NY)

I checked my credit history today ( XX/XX/XXXX ) and found that STELLAR RECOVERY was claiming that I owed {$440.00} to the original creditor of XXXX XXXX with an open date of XX/XX/XXXX. I have never had XXXX XXXX and do not owe this amount. I ask that it is completely removed from my credit history.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (CT)

I was promised a {$300.00} reward for opening a new checking account. I met all the terms of the offer on the account sign up page. I was charged fees of {$25.00} per month for this account and told that I had to wait several months to collect this bonus. Finally, after many notes back and forth with TD bank through online secure messaging, someone finally told me that I could not qualify for the bonus based on previous account history. These terms were not disclosed during signup.
Consumer complaint received 2017-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have had an account with coinbase.com for over a year. I have activated 2-step authentication on the account, which I 'm very familiar with and have used with many other services for many years. I have never had any problems with 2-step verification with any other services. 

With coinbase, my 2-step verification seems to break at random times, locking me out of my account. I even attempted to use the backup master/reset password provided by coinbase to reset my 2-step verification, but this also did not work. 

I 've attempted to contact coinbase support for weeks, with no response from coinbase support. I just want to close my account at this point, but without any help from coinbase, my money is just stuck there.
Consumer complaint received 2023-01-27
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: Nelnet, Inc. (FL)

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION NELNET Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.
Consumer complaint received 2020-11-03
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: PENTAGON FEDERAL CREDIT UNION (GA)

I have disputed these accounts on my XXXX  credit report that belongs to another person multiple and transunion says they will remove and has not removed it. It does not belong to me. Im a victim of identity theft.
Consumer complaint received 2018-04-03
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: Bread Financial Holdings, Inc. (TX)

I am a victim of identity theft. My apartment was broken into and several ID documents stolen. I filed a police report and have attached a copy to this complaint. I found several inquiries that were a result of this identity theft. The inquiry below is a result of ID theft : XXXX XX/XX/2018 2018
Consumer complaint received 2020-09-17
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: TRUIST FINANCIAL CORPORATION (FL)

This will be my final attempt to resolve this issue without counsel from a lawyer and contacting the media. It has been almost a year since I have paid for service that can not be rendered to me. I have contacted XXXX XXXX XXXX about XXXX XXXX and did exactly what was asked of me to do. I contacted XXXX XXXX representative for my case several times with no email or phone call back. She directed me to go back to tires plus and get my vehicle reevaluated and I did. I would have contacted Suntrust prior for a dispute but it is their policy to attempt to resolve the matter with the merchant first and overall that was my goal. 

This is my story. XX/XX/XXXX I went to XXXX XXXX in XXXX XXXX for an Alignment on my XXXX XXXX XXXX. After picking up my vehicle I noticed it was not driving as I felt it should so I called, and the service manager told me they could not do the Alignment correctly because of a lack of specifications to my model. He told me I would have to take it to a XXXX dealership to get it fixed properly. I was stunned and contacted XXXX XXXX XXXX. I did not think I would have any issue having my money returned after all they did not properly align my vehicle and informed me, they couldntXXXX XXXX XXXX XXXX had XXXX XXXX reach out to me through their representative XXXX XXXX and she requested that I bring the XXXX back to have it looked at again, so I did and I let her know both by phone and email. I never heard back from her but I did get a new invoice from tires plus on what my XXXX needed in order to be properly aligned and that would cost over XXXX dollars. This is more than I initially paid for my alignment to begin with. After a stall with XXXX XXXX I decided to reach out to Suntrust to dispute the charge as I am not paying over XXXX for an alignment especially since XXXX XXXX  did not inform me prior to payment that they could not do the service without additional money. I provided sunturst with all of the information from XXXX XXXX XXXX and they asked for more information which I mailed in. After about a month I called, and they informed me that it takes 60 days to investigate my claim fully but about 2 weeks later they said that my claim was out of suntrust timeline and they closed my dispute. I have invested more time in trying to be refunded for service I havent received than it would take for me to just earn it. It is just the point that I paid for service that can not be rendered. I feel like I need legal help. I am attaching all files I can find relating to almost a year of fighting for a refund for service I still haven't recieved!
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

Ive contacted XXXX XXXX XXXX regarding payments and I spoke with XXXX. I know it's been a rough year for everyone, including myself. However, today has become much harder due to a notice I received from the credit report agencies ( XXXX, XXXX, & Experian ) stating theres a 30-days delinquency reporting for XXXX XXXX XXXX. I was affected by the coronavirus pandemic, but my account is current. According to the CARES Act : If my account is delinquent and I make an agreement to bring my account current, the creditor must report that I am current on my loan or account. 

Please remove the 30-days late payment and update my credit reports reflecting current status. This will help me get back on track. 

This has hurt my credit tremendously. My taxes are still being processed since XXXX. My unemployment payment was released due loss of income due to Covid-19.

The CARES Act places special requirements on companies such as XXXX XXXX XXXX, that report any payment information to credit reporting agencies. Those requirements apply to me as a consumer because I was affected by the coronavirus pandemic.
Consumer complaint received 2022-04-05
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. (GA)

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.