davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DYNAMIC RECOVERY SERVICES, INC. (FL)

I have asked about the validity of this claim several times with all three credit reporting agencies. No one can validate it but refuse to remove it. From what I understand, it is from a XXXX utility company. No one can furnish me with any other information. This is not my bill. I want this removed from all three credit reporting agencies. Thank you for your assistance!
Consumer complaint received 2019-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hello my name is XXXX XXXX I have been disputing these accounts since XX/XX/2018 and yet to have any luck but enough is enough XXXX Bank XXXX is reporting completely incorrect and inaccurate, the high balances are reporting differently for example on XXXX  is reporting at XXXX $ and XXXX $ on the rest of the agencies, the amount past due is reporting different on all 3 agencies as I will have screenshot provided to show. In Equifax and XXXX there is nothing negative in the payment history reporting, in XXXX  why do you have no remarks or past due but reporting as charge off status in payment history? 
Also the past due dates on all three agencies are way off so as you can see they are reporting this account completely incorrectly and something has to be done asap! 
correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.
Consumer complaint received 2019-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank issues credit cards on behalf of XXXX  XXXX. This credit card includes a feature that as advertised if you earn XXXX points you will be enrolled in their upgraded loyalty program called " XXXX '' they advertise often on their webpage " Once a card member, reach XXXX status by earning XXXX points in a calendar year '' which includes varies upgraded features and benefits. I earned the points required to make this transaction occur in fact their own webpage states that my account should be XXXX, please see the attached documentation. However the Bank representatives tell me that my account is not eligible for the upgrade status until I spend {$5000.00} in a calendar year outside of Gap brands. I've included the disclosure provided by the bank in their advertisement and there is no language that states that. The program states I must earn XXXX points and they can not be bonus points. I have met that requirement and they will not honor their program.
Consumer complaint received 2020-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (NV)

I sent a debit valadation letter to General Revenue they continue to try to collect on a debt that is not mine and are ruining my credit on a fraudulent debt. They have yet to validate the debt is accurate and send me proof this is mine. They sent out the notification of debt after they submitted it to the credit bureaus without validating or letting me know I have a debt which is in Violation of my rights as I have submitted proof from the credit bureaus they did exactly that and a dated letter from them after they submitted it to the credit bureaus. I have also attached proof I have no current balance with XXXX XXXX XXXX Nevada ( XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX To Whom It May Concern, I am sending this letter to you in response to a collection notice I received from you on XXXX/XXXX/2020. Be advised, this is not a refusal to pay, but validation is requested. 
I XXXX XXXX dispute this fraudulent account representing a balance of XXXX. 
I do not owe XXXX XXXX  XXXX Nevada as I am in good standing and proper financial aid in place. This is not a valid account under XXXX XXXX. 
I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : Provide a statement which matches the balance being claimed Provide a list of charges that total the amount claim in your original letter Identify the original creditor Please produce all documents relating to the chain of custody authorized by XXXX XXXX XXXX Nevada to collect on the mentioned account. 
If your offices have reported inaccurate information to any of the three major Credit Bureau 's ( XXXX, XXXX  or XXXX  ), said action might constitute fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
XXXX XXXX
Consumer complaint received 2021-05-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP (VA)

I am not able to give the actual lease payments because I can no longer access the site. I was laid off in XXXX  2020. Like everyone else waited for my unemployment. I made arrangements with them to extend payments on a lease I've been paying on for 2 years already {$380.00} for a Honda Civic. Entirely too much, but as a single parent of 3 I had no choice. I explained to them my situation when they called last week that I have gained employment and would be able to resume monthly payments by XX/XX/XXXX ( first paycheck ). She wanted {$600.00} something that day, I didn't have it of course because I hadn't still received my unemployment. I told her I would get a letter from them, which I had to email at least 20 people just to get a response. I finally did after almost 6 months of NOTHING. All I knew about my claim was there was a hold up, and I was able to claim every week. Nothing in the mail, no contact, no office hrs.Nothing. I let her know I would get something from them that shows they haven't paid out yet, and I would get backpay for all the months I was waiting for. It's not like I didn't have a job, I did ; I am just waiting for XXXX, XXXX start date. ( Have my offer letter ). I was able to get the letter from the Virginia Employment Commission Friday which was the day following the conversation. However, they repossessed the car that night. It's not so much that the car was repossessed as I understand business. But, the fact that it's COVID, and I had proof that I could solve the issue very soon. They said it could be resolved by XX/XX/XXXX, so I thought I had time. Three days later I received my full backpay. I called them to get the car back and they said I had to pay it in full or get another loan and it was going to auction. She mentioned I had filed bankruptcy which I never said that. I believe was the reason they immediately picked up the car. I asked for a Supervisor, got the run around. Today XXXX, XXXX XXXX the Supervisor in Recovery call me to tell me I had to either get a loan or pay $ XXXX off. I don't have that amount, nor do I have the credit to go get another loan. I can't afford this on my credit because I have a job at a financial institution and I could lose my job. I just wanted to finish my lease. If they keep the car and auction it, I just don't believe I should be punished any further that I have already. I don't want it to impact my credit. I am so distraught already over the loss of income for so long, which has affected me both mentally and physically. Causing XXXX XXXX ( now XXXX XXXX ). I am stressed beyond measure and can't afford to lose my new job.
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (IN)

I have a tenant that signed a contract with XXXX XXXX XXXX who cancelled service and her contract. The XXXX corporation and their debt collectors continue to contact my tenant for the contract cancellation, but have also put this collection on my credit report. I had a conversation with Perfection Collection regarding this debt, and informed them it was my tenant that signed a contract not me. I have not been provided with any documentation with my signature on it to validate their claims, furthermore, I have a copy of the contract signed by my tenant with XXXX. this was placed for collections on XXXX for an amount of XXXX I filed a dispute with XXXX and provided documentation of the tenant signed contract. There was no resolution and the debt collection agency still contends the information is accurate. I have attached a copy of the contract signed by my tenant with XXXX as absolute proof of whose debt this is.
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SOUTHWEST COLLECTION SERVICES INC. (CA)

Southwest collection services is initially requested XXXX on XX/XX/XXXX Account number XXXX I returned device for final download on XXXX XXXX Which I was credited back my total amount to low cost interlock Creditor number XXXX Has been settled and on XX/XX/XXXX XX/XX/XXXX I contacted Southwest collection. And they are trying to collect XXXX Since said call they have been adding or adjusting the amount. I have disputed Im contacting you next I will go to Federal trade commission.
Consumer complaint received 2019-11-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

i have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX XXXX is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX experian is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX XXXX  is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/XXXX
Consumer complaint received 2020-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (PA)

This is a matter that was requested for remittance from US Bank to XXXX XXXX, and it was organized as remitted to US Bank and was not received at XXXX XXXX, So it is a concern about loss of remittance. 

1 Remittance request date ; XX/XX/2020. 
2 From US Bank to XXXX XXXX. 
3 Amount ; {$1200.00} 4 I have many time calls to US Bank, but the calls is not possible. 
( US Bank Customer service XXXX & XXXX )
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Me and other person opened an joint account online with Bank of America. I went in and deposited the money within few weeks of opening the account. The teller told me that funds are not on hold and available right away. within few days Bank of America without any communication or even no notes on my account put a huge amount in negative {$880000.00}. I called them right when I saw it and they told me that this is their code of freezing the account. I spend 2 days so far on the phone with them trying to figure out what is going on, they are not giving me any answers. Today I saw another withholding from my account for {$370.00}. I called them again and they are not giving me any information. So instead of them working and communicating with me about any issues, they are steeling money from my account without any reasons. I need your help to get my money back. This is fraud and scan on their end. I have a small child and they block all my money and I do not know how to survive. Bank of America refuses to release any amount of money. Also, I would like to request they they release all money right away and pay me daily interest on the money that they block. The account number is XXXX.
Consumer complaint received 2020-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (IL)

Hi there my name is XXXX XXXX XXXX made a credit card payment of {$50.00} a couple of days ago. My payment date is XX/XX/2020. A few minutes ago I logged in to make another {$25.00} payment. It won't let me make another payment until XX/XX/XXXX. 

The two screenshots show the bank says my payment is due on XX/XX/XXXX but the next available payment date is XX/XX/2020 I am complaining about this because I am also having an issue with my ATM card at XXXX XXXX XXXX. It's an entirely new complaint completely separate. I had just complimented fortiva for surprising me with a credit increase before I made my monthly payment. If I can't get to the bank to get cash I can't put gas in my car and I can't work. It was very helpful. Unfortunately I am uncomfortable and needed to make another {$25.00} payment for security I have no idea when I'm going to be able to correct XXXX XXXX XXXX The bank 's name is fortiva.
Consumer complaint received 2021-12-02
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: ENCORE CAPITAL GROUP INC. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and no results. I need this resolved ASAP.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (KY)

On XX/XX/2021 I called Truist customer service to close a checking account that had a balance of {$0.00}. When I spoke to the customer service representative they said they were going to transfer my call to the charge off department. So they transferred me to the charge off department, who proceeded to ask me questions regarding my address and my phone number, and then said you don't have a charge off. Then they said, we don't close accounts here because we " are the charge off department. '' They said you have to go to a branch. Then I asked why can't I close the account with you on the phone, and they said it's our policy that you have to go to a branch. Their practices are deceptive as I called to close an account, they proceeded to answer personal questions and at the end they said you have to go to a branch. I want to close a checking account that has a {$0.00} balance on it.
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian & XXXX  are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!
Consumer complaint received 2021-05-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (LA)

Iv been trying to get caliber home loans to get my property taxes paid since XXXX. Iv contacted them every week since and they keep claiming they have been trying to contact the tax department for my parish. But I have no issues getting ahold to them. I pay a specific amount monthly to my escrow to cover my property taxes. If its not paid by XX/XX/2021 my property will go to the tax sale
Consumer complaint received 2020-11-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX, XXXX  & Equifax are not responding to any of my disputes I have sent and that is against the law. I am aware of my rights and they do still have to provide results whether there is COVID or not. I have yet to receive any mail or any correspondence that they have even looked at my disputes. They are reporting serious errors on my credit file and they need to provide me results!
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

PNC Bank of XXXX NC took my grandfather 's inheritence meant for me as per his will and disbursed it to my father when he fraduently opened an account with my birth certificate forged to look like I was 18 when I was a minor. They admitted this and said although this is their fault they don't feel responsible for replacing the funds. This has been an issue for going on 7 years.
Consumer complaint received 2021-07-13
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (FL)

I inherited property from my mother approximately 2 years prior to her passing. She had a Reverse Mortgage Funding loan on the property. I have been trying to purchase/pay off this loan since XX/XX/XXXX. I have submitted all documents, sometimes 3 times. We were within 3 days of closing in XX/XX/XXXX when they emailed me to say after reviewing the appraisal, they found substantial damage and an inspection for insurance purposes had to be done. They had the appraisal in their possession since XX/XX/XXXX and waited until the last minute to spring it on me. I was never filing an insurance claim so they filed one on their behalf. Two inspections were done in XX/XX/XXXX with both failing. I have confirmed this with the insurance company and wrote an email to the short sale rep with Reverse Mortgage Funding to let them know. 
I have repeatedly sent emails trying to get an update on my closure to no avail. They won't answer my emails and when I speak to anyone on the phone, I get the same answer of it's in progress. It's been in progress going on 8 months. 
I have had to change my entire summer schedule to accommodate this company and they don't have the common courtesy to keep me updated or answer my emails. 
I fully believe they are stalling to add time and fees to the balance to get extra money from HUD for the residual payoff amount. They said I could buy the property for {$140000.00} but show a balance over {$200000.00} of which I understand HUD pays them. This is not fair to me or HUD and is morally if not legally wrong, close to extortion in my mind. 
Please help me get this resolved so I can have closure on my mother 's death and move on with my life. 
Respectfully, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (CA)

I have had a Amazon SYNCRONY Bank card, i found false charges of {$170.00} Amazon agrees with me and yet the Bank for over a month now has not refunded the monies
Consumer complaint received 2020-06-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-02
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. (FL)

I send out a dispute letter to all there credit bureau TransUnion, XXXX, and XXXX  to verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.