davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-09
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. (VA)

I have tried unsuccessfully to have a re-aged collection removed from my report. I spoke to the original creditor ( XXXX XXXX ) who told me they sold it to a collection agency and then 9 months ago pulled it back and then just recently sold it to another company and it showed up again as a new collection, even though it is over 2 years delinquent. XXXX was not able to give me a copy of my last statement because my account has been closed for 2 years. I was recently denied a mortgage because of it being a new collection, plus it pulled down my score. I have disputed twice asking them to report it accurately. This is not a new collection and the dates should reflect that. In fact I dont understand why they are allowed to pull it back ( their words ) and then put it back on 9 months later as a new collection with new dates. Please help me because I can not even pay off this debt with the reporting info not resolved.
Consumer complaint received 2021-04-09
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: Bull City Financial Solutions, Inc (NC)

XXXX XXXX XXXX # XXXX DOB : XX/XX/1969 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT WAS PAID, BUT STILL REPORT TO MY CREDIT REPORT. 

XXXX. XXXX # XXXX - BALANCE OWE ON THIS ACCOUNTS IS " XXXX '' ACCOUNT SHOULD NOT BE REPORT ON MY CREDIT REPORT. 

XXXX. XXXX XXXX # XXXX - I OWE A BALANCE ON THIS ACCOUNTS BUT IT WAS PAID BEFORE I GOT SERVICE AGAIN.
Consumer complaint received 2020-07-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

The company in question is NCAA. National credit adjusters. I had to delinquent accounts with them and back on XX/XX/2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45 days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I sent a letter to all three of the credit bureau on XX/XX/2021, and have not heard anything back from any of the three. Its been over 30 days which now make me feel as I am not liable for the debt and it need to be removed.
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2021-04-09
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. (CT)

I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.
Consumer complaint received 2020-07-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (PA)

On XXXX Comenity Bank contacted my children and my husband on their private cell phone lines, about my debt to Comenity Bank. Due to the pandemic, i have been unable to keep up. I find this a violation of my privacy, my children and spouse do not need to know my financial situation.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I have been unable to log in to myequifax.com since last year. It was locked without explanation. When I called the first time, they said it was a glitch in the system and should work within days. It never did. I called again this past week XX/XX/XXXX and was told the case will be escalated and was given the case number XXXX XXXX by XXXX. He told me all should be well by this Tuesday XX/XX/XXXX. I called today again and was told that they are still working on it, with no further information except that I would be emailed after they fix it. This has me so stressed out. How can this company be allowed our personal information and then be so incompetent?
Consumer complaint received 2020-11-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

In XXXX, XXXX we were sent our XXXX mortgage statement from NEW REZ, showing an increase from {$940.00} monthly payment to {$1000.00}. Upon calling NEW REZ there explaination was that this was a hypothetical guess at our taxes for XXXX and that this increased amount would continue well into XXXX, to at least XXXX. WE ARE SENIORS. WE HAVE A SENIOR TAX FREEZE WITH THE COUNTY WE LIVE IN. What right does our mortgage company have in raising our monthly mortgage unconditionally because of their tax guessing game. We told them that we have a Senior Tax Freeze, which got no reasonable response from them. They are in fact putting our money into their pockets on a pure guessing game about taxes, and taking it from us during a COVID crisis, a legitimate tax freeze, and our good record of never being late with our mortgage payment. The previous mortgage company we had, which sold our mortgage to New Rez, pulled a similar outrage by not putting enough money into our escrow for taxes, and then charging us more. The bottom line with this complaint -- -We have a Senior Property Tax Freeze, and it is outrageous that New Rez isn't considering this in their ridiculous and costly guessing game.
Consumer complaint received 2020-07-23
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: AES/PHEAA (UT)

I had made a non-typical student loan payment via " phone '' in XX/XX/XXXX. Apparently, what I had discovered was that my original phone payment transaction did not properly post to my student loan account. The transaction did NOT post for lack of funds in my bank account but rather an error on the creditor 's part. Eventually, I was told by an AES representative, the debit card did not process correctly due to possible transposed digits It was listed in the AES system as, Per Debit Split Card Not in Network. 
In turn, per AES 's policy, they do not make any immediate attempts via phone or email to notify their barrowers that the payment transaction did not properly post because of such a transaction error. AES never made any immediate attempt to notify me that there was an error on the card payment but rather let this error sit and stagnate. 
With today 's technology, it's interesting how such immediate notifications via text, phone and borrower 's personal emails are so readily available for such issues that AES still remains to rely so heavily on their AES website inbox and/or U.S. mail. 
On XX/XX/XXXX, I then made the second transaction of {$15.00} plus my regular monthly payment of {$46.00} to correct their card payment error. 
At the time, I stated to the AES representative being a long-time borrower XXXX XX/XX/XXXX XXXX that my only concern was that this error does not negatively impact my credit rating. 
The rep assuring me that any negative reporting would not happen. 
The end result was that AES reported a 30-day late payment to all the three credit bureaus. 
I have the enclosed my dispute document that I sent to American Education Services XX/XX/XXXX for your review. 
Thank you, XXXX XXXX
Consumer complaint received 2017-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (LA)

On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved. 

I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ( XXXX ) Amount : {$2100.00} 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The credit bureaus keep disregarding the laws. According to 15 USC1681i ( 5 ) & 15 U.S.C. 1681s-2 ( A ) ( 1 ) the credit bureaus said everythi
ng was complete and accurate and I asked them how if the contact information is wrong and the IP address doesn't track to me. This violation after violation is causing me XXXX  and a lot of stress as I have no faith with this system.
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NV)

On XX/XX/2021 I was sending money via WesternUnion mobile app. 
The application timed out and the transaction was never processed. I re-processed the transaction which gave me a confirmation. Upon checking my account I realized I was charged twice for the transaction in the amount of {$1000.00} through WellsFargo whom I bank I was also had overdraft fees. I contacted WesternUnion whom stated they only saw one confirmed transaction. I so I then contacted my bank who reversed the overdraft fees and credited my account the {$1000.00} Flashforward to today on my account with Wellsfargo I have a posted transaction for {$1000.00}. I contacted XXXX again they said WesternUnion won the dispute and they can no longer help me. I was charged twice for the transaction only one was comleted I have statments reflecting both charges the credit and new charge. On my history with the WesternUnion app I show only one transaction for the {$1000.00} on XX/XX/2021. 
What can I do at this point?
Consumer complaint received 2020-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold account and funded it with {$250000.00} USD. I was incredibly unhappy with the product and offering so on XX/XX/2020 I setup a wire to get the money out of my account and back to the bank where it came from. When this wire was setup, Citi proceeded to wrongfully close my existing Checking account without my permission or request ; thus, nullifying my {$250000.00} USD wire transfer. I have been told, this is because it left Citi " no account to take the money from. '' Effectively, my wire never left Citi, and now my Citi account was closed so the {$250000.00} USD was not returned to my Citi account. This left my {$250000.00} USD " stuck in the wire system '' with nowhere to go. 

I called first thing XX/XX/2020 and someone was able to re-open my wrongfully closed account and said my {$250000.00} wire return to this account by the end of the business day. It did not, and it is now XX/XX/2020 and my money is nowhere to be found. 

I have called Citi bank every single day since XX/XX/2020 to try and get my money back. Today is XX/XX/2020. Every single day, and every single call, I am told a slight variation of the same " hiccup in the system, '' story. I have been hung up on multiple times. I am constantly transferred from one department to the next, and when I have asked to be escalated I am place on long holds and eventually the call is ended by Citi. I have never spoken to an escalated party because no one has allowed me to. My money has not been delivered to the wire destination and it has not been returned to my wrongfully closed, now re-opened, Citi checking account.
Consumer complaint received 2021-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a letter that stated out of the blue that Capital One was closing my account and I needed to stop using my card which is a secured card that I paid them to get. It doesn't make any sense. I had an issue with the bank I was using for payments where they were not honoring any debits from the accounts and I didn't know this until last week. Capital One instead of talking to me about this ( even though a payment hasn't even been due yet to my secured account ) decided to charge fees and report to the bureaus that I am over my limit and they are the ones who charged fees that took me over it. This is insane. Who does that? It's unethical at best and they should be stopped as soon as humanly possible. I want everyone to know how they do business and it is dirty as can be.
Consumer complaint received 2023-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC. (NY)

The list down below has violated my Federally Protect it consumer rights to privacy and Confidentiality under 15 USC 1681. and would like these items removed off of my credit report immediately. 1.Santander consumer USA 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 2021-04-09
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: Experian Information Solutions Inc. (CT)

I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

Emails to " Executive Office of Discover Financial Services XXXX '' being FULLY IGNORED. Documents for verification have been attached, as well as original complaint. 

DISCOVER BANK HAS NO INTEREST IN RESOLVING THIS, THEY ARE FRAUDULANTLY HOLDING MY MONEY - EVEN WHEN I HAVE ATTACHED : 1. California Drivers License 2. Copy of 2 first pages of my Tax Return ( Slightly redacted ) 3. Copy of XXXX XXXX XXXX, showing amount of my refund - same as check You responded to my complaint ( s ) on CFPB, however have ignored all of my emails since your first on XX/XX/XXXX. 

" On XX/XX/2020, you were advised that any valid funds would be released to you after 60 days ; however, based upon further review of the account, we have been unable to release the funds. In order for us to lift the suspension of your account, further verification is needed. '' I sent in my CDL when the account was opened. This is my IRS REFUND Check you are messing with. There is NO further verification needed, since : 1. I submitted my CDL upon account opening 2. I am not sending in any furtherdocumentation, short of maybe a page from my Tax Return - and that will show ONLY my name, address and refund amount - You will get NOTHING further. 

BLATANTLY IGNORING ME - SENDING AND HAVE RECEIVED 2 POSTAL LETTERS, CONDESENDING AND INSULTING - TELLING ME WHAT YOUR DOING WITH MY MONEY - CFPB IS NOT DOING ANYTHING TO HELP ... 
HOWEVER, I HAVE FILED WITH SUPERIOR COURT, AND SHOULD BE SEEING THIS ON CALENDAR WITHIN A FEW MONTHS. WHILE, I KNOW I DON'T HAVE AN ARMY OF LAWYERS - SOCIAL MEDIA WILL TAKE CARE OF THAT, AND SINCE YOU DID WRONG NOT ME - I AM LOOKING FORWARD TO FINALLY COLLECTING MY TAX RETURN, AND OVER 65 % ADDITIONAL FOR SUFFERING AND PUNITIVE DAMAGES. 

I WANT MY MONEY - NOT IN A CHECK - I WANT TO KNOW WHY YOU ARE IGNORING ME -
Consumer complaint received 2017-12-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

My personal information was breached in both the FASFA breach and now the XXXX breach. I have disputed three credit cards that are unknown on my account that were not mine, 2 cell phone carrier accounts that are not mine, and also disputed inaccurate late student loan payments that you can clearly see I was a student while the payments were marked late.
Consumer complaint received 2020-07-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (LA)

When the CARES Act came to fruition I went on my mortage company 's website ( Citizens One ) to inquire about the deferral program everyone was talking about to see if it was legit or not. I used the companies secure messaging service to do so. ( Im sure copies of this correspondence are available and recorded. ) All I did was inquire about the program, when they replied and told me it was a forbearance, I replied, " No thank you '' and never inquired again. I received a forbearance packet in the mail which I shredded and did not respond to. When I tried to refinance my mortgage I was told that my mortgage was in forbearance and was not eligible. I immediately contacted the mortgage company ( Citizens One ) via their secure messaging service and informed them that I had not requested to be placed into forbearance and they needed to remove me immediately. I received a call from a lady named " XXXX '' in the office of the Chairman from Citizens One, and I explained all of this to her. I told her that had negatively impacted my credit and caused me to lose the opportunity to refinance. I told her I wanted a letter stating that I was mistakenly placed into this program and that I had made all payments during the period, that I could present to the company I was attempting to refinance with. SHe said she would have to call me back. She did in fact call me back, stating that I was now out of the program, as the 90 days had passed, ( So it appears that I voluntarily opted into this program and it simply ran its course ) but said that she could not send a letter. I want a letter from Citizens One stating that I was mistakenly placed into this program by no choice of my own, and that all payments were in fact made during this period. To date I still have not received this letter. 
Citizens One, Loan number XXXX.