davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Two weeks ago, I could not access my US Bank phone app and received declined notices when trying to pay bills online. At the time, my checking account had a balance of XXXX dollars, and the bills were only a few XXXX dollars. I called the number on the atm card and was rerouted to the fraud protection people. They asked if I had XXXX transferred money. I said yes. They asked to whom and how much. I told them. They asked what your relationship is with the person you sent money to. I told them what difference that made when I sent the money. They are doing design work on a project for me. They then asked, did you try to link your card to an account owned by my girlfriend and me? I told them we had a XXXX XXXX card together, and I was trying to pay the XXXX XXXX bill. Again, they asked what is your relationship with this person. I told them it was none of their business. That this was my money, I will pay whoever I want. It's a checking account, not a loan. He said thank you, and that's all we need. The next day, I still could not get into my account or use my ATM card. I called back to find out what was going on again, and I was sent to fraud. They told me they were closing my account. They would not tell me why or when I would get a letter from the bank along with a cashier 's check. in about three days. After a week, I still had not received my money or letter. I called and was told they could not tell me when I would receive the letter or my balance.

The bank manager said there was nothing she could do and that it was all computers. She felt terrible this was happening. 

It has been 9 days, and still not a word or letter or money. I have bill collectors calling. I have bounced fees, and my credit will be affected.

What recourse do I have?

These were all phone calls they claimed were being recorded. I think this was retaliation for telling this particular person it was none of the bank 's business what my relationship was with the people I was sending money to. He hit some button that has caused all of this.
Consumer complaint received 2023-01-20
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. (GA)

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Original Creditor : ) XXXX Balance : {$110.00} ( Original Creditor : ) XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MD)

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXX/Equifax/XX/XX/XXXX the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Consumer complaint received 2020-10-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Hello, and I hope all is well. While reviewing the credit profile to XX/XX/XXXXXX/XX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/2024 a transaction of {$720.00} was taken from my SoFi checking account. I didnt make this purchase. I informed the bank about the issue and they denied the claim and are unresponsive to my appeal and my request for how they made the decision.
Consumer complaint received 2020-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

Back in XX/XX/2020, My HOA did NOT SEND the renewal of flood insurance to Flagstar and they force imposed a flood policy. I submitted the renewal and was assured that the mortgage was in good good standing and the imposed flood policy would be removed. Since then, my mortgage statements show me past due. I have called and talked with supervisors several times and they have promised to find out what is wrong, but no one has ever resolved it, nor has anyone called me back. I have made EVERY mortgage payment ON TIME through bill pay from my bank. I don't know how to get someone to resolve this. They just don't care. Now my credit could be affected. 

XXXX XXXX
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (TX)

XX/XX/XXXXI contacted Citi Bank, due to not being able to make a payment of {$380.00} which was due XX/XX/XXXX. I reached out to them to see if they could offer assistance to me, due to being laid off/Covid related market conditions XX/XX/XXXX. I asked them for possible forbearance for 3 months to assist until I got back to work. I am not receiving unemployment either at this time. I was laid off XX/XX/XXXX. I actually made a payment to Citi Bank XX/XX/XXXX of {$2500.00}, I was attempting to pay off Debt and was unexpectedly laid for a week after that large payment. I asked Citi BankXX/XX/XXXXto take into consideration the large payment I just made XX/XX/XXXX, which if I would not have made, I would be able to make 4-5 months of payments without issue. Citi Bank told me there was nothing they could do to assist me at this time and if I could not make a payment, It would reflect on my credit report, also interest and late fees would continue to grow. All I asked for was a few months of forbearance assistance.
Consumer complaint received 2017-08-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hunt & Kahn, P.A. (FL)

I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.
Consumer complaint received 2020-07-25
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: SYNCHRONY FINANCIAL (MD)

XX/XX/XXXX To whom it may concern, I am writing this letter due to numerous disputes with XXXX XXXX in regards to my closed Amazon credit card account. 
On XX/XX/XXXX I contacted Amazon customer service after finding out that during my 10   months of XXXX my Amazon credit card had been compromised and my account was closed with a balance of {$450.00}. I spoke with a representative by the name of XXXX XXXX, who refunded the {$450.00} to my Amazon credit card. I have emails from Amazon over the course of three days from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is insisting that I pay the {$450.00} even though the charges are no longer valid. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Mungo Financial Group (CA)

DATE : XX/XX/2018 @ XXXX XXXX XXXX XXXX LEFT A VOICEMAIL ON MY WORK PHONE STATING THERE ARE TWO CHARGES PENDING AGAINST ME AND THEY WILL CONTACT MY HR DEPARTMENT.

ACTION TO GARNISH MY WAGES COMPANY IS WILLING TO MAKE ARRANGEMENTS IF I CONTACT THEM TODAY
Consumer complaint received 2017-12-26
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. (TX)

The three ( 3 ) major Credit Reporting Companies claimed that the reason ( s ) why my Credit Score was low is " due to the length of times that open accounts have been active and the number of times lenders accessed your Credit report because you applied for Credit or for a Loan ''. This can not be correct or the complete reason for the low Credit Score. I have had open accounts for more than 24 months without ever making a late payment without just cause and regarding the amount of Credit Inquiries once I share my Social Security Number with a company I have no control over the amount of times they request my Credit History information for whatever reason ( s )  or who they share the Social Security Number with. The Credit Score should be based on the number of accounts, the way the accounts are being managed and the feedback that 's offered by the grantors.
Consumer complaint received 2023-01-20
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. (UT)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2021-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (CA)

I was a patient at a XXXX XXXX XXXX  facility called XXXX XXXX, XXXX XXXX from XX/XX/2018 until XX/XX/2018. I was initially admitted to the facility under the agreement that the cost of my stay would be covered by my health insurance, XXXX XXXX XXXX. After six weeks into my stay, it was discovered that my health insurance had terminated due to a payment issue with the XXXX  website and I was informed I had to sign an agreement that stated I would be responsible for the total cost of my stay at inpatient and the remainder of my stay at their sober living and IOP. ( My health insurance had mistakenly approved all the days of my stay up until that point ) I was told that if I did not sign this agreement I would have to leave the facility granted at the time I was still medically recovering and did not have any where else to go. 
I reluctantly signed the payment responsibility agreement under duress and informed the staff at the facility that I would work with my former employer and XXXX  to try to have my health insurance reinstated so the payment matter would be fixed. Two to three weeks later while I was waiting to hear back from my former employer, the staff at the XXXX XXXX XXXX XXXXXXXX XXXX facility told me they could no longer wait for payment and that I had to be discharged. The director of their XXXX  facility, XXXX XXXX and her coworker were extremely bullying and stated to me this is your fault because of your XXXX XXXX XXXX XXXX Three months later, on XX/XX/2018, I received a letter that stated I owed a {$13000.00} + bill to XXXX XXXX for the cost of my stay at their facilities. I called their billing department to inform them that I was not responsible for the payment and that the responsibility belonged to my former health insurance provider, XXXX XXXX XXXX. 

The bill was eventually turned over to a creditor, Credit Management. The amount for the bill now stands at {$11000.00} I do not owe this money, I signed responsibility for the payment only because I was under duress and I was not XXXX  in the right state of mind to sign as evidenced by my then need for a stay at a treatment center. My signature on the patient financial responsibility document ( attached ) was not notarized.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC. (FL)

I conducted an online inquiry for a line of credit, which I was approved for {$5000.00} after I submitted the application process and after the company stated that they would do a " soft pull '' of my credit. Once I clicked the finalize tab, I was asked to input my external bank information ( routing number, account number, bank debit card number, and PIN # ). I was also asked to upload 3-4 months of bank statements, and then I was asked to sign in to my external bank account on their website, using my login credentials. Then after all of my personal information was given to them and after they already approved me for a line of credit, immediately they declined me. And come to find out, they did a hard pull on my credit, not a soft one. They still have all of my sensitive external bank account information stored online in the account that they had me set up on their website. I called and requested that they remove it, in which they replied that they could not and would keep it for their future records. THIS COMPANY IS A SCAM AND FRAUDULENT! There are several bad reviews that warn others to stay clear of this scamming company. I wish I had saw these reviews beforehand.
Consumer complaint received 2020-10-22
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: ALLY FINANCIAL INC. (PA)

I attempted to resolve this issue with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) Ally Financial - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-10-22
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (IL)

I '' m short selling the house, I have a signed contract and proof of funds but the mortgage company ( flagstar ) Keeps loosing the documents, delaying the process, due to this the documents will expire one day after their review is done so I will have no time to fix any issues. 

I found the following list of abuses by Flagstar on the CFPB website. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ - I'm having these same issues from your list.

Closed borrower applications due to its own excessive delays.

Delayed approving or denying borrower applications Failed to alert borrowers about incomplete applications Flagstar does not define what needs to be on the documents they request, so there is no way of knowing if you have met their requirements. Most of their customer service people can't find documents that are in their system so they tell you they are not there. But if you get someone who was trained properly ( 1 out of 4 ), they find all the documents ( same day ). The ones that can't find the documents lie about it and ask you to send them again. 

The CS people say they will call realtor about any issues but never do. They will tell you they did but realtor has no missed called or messages. The phone number they use should be from the 3rd party authorization form that the realtor filled out.

Clearly Flagstar is a predatory bank and/or grossly incompetent.
Consumer complaint received 2020-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Merchants' Credit Guide Company (CO)

Original amount Hospital supplied to collections was for {$1200.00}, which was disputed for nearly a year with Hospital not providing documentation requested. Collections agency " Merchant '' began regular calls. A case was filed with the IL AG XX/XX/XXXX, and on XX/XX/XXXX the Hospital provided written notice that all charges/collections were dropped, with a {$0.00} balance. No further communications have occurred since resolving. 

Following resolution of the balance, I have received calls again from Merchant on following dates ( all XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Each call rings once then is immediately directed to voice message, where Merchant informs they are collections and I need to call back. 

On XX/XX/XXXX, I finally called back and spoke with an individual. They looked up my number, informed me 3 people were listed ( I only recognized my name ). When they looked into my name, I was told that the calls must be an error on their part and my account has been resolved. I was also told they would ensure removal of me from the calling. 
As noted above, I received a call again XX/XX/XXXX which gives appearance nothing has changed in status.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (VA)

These inquiries are not recognized and there are multiple of several or the time is up and they should be removed. At one time I had a fraud alert on my credit file in XXXX when some of these were done. 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 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I've challenged the following accounts on many occasions, however the main 3 credit bureaus, Equifax, XXXX, and XXXX all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, Account Resolution C, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.
Consumer complaint received 2021-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I have disputed a bankruptcy that is appearing on my credit report ( s ) multiple times as having incorrect information and therefore causing me to think I was a victim of identity theft. Ive disputed multiple times, and even requested them to provide me with the the method of verification. When I was supplied the method of verification, it even listed a completely different court than is currently showing on my credit report. I need the bankruptcy that is showing on my credit report removed as soon as possible, as the incorrect information is damaging my ability to obtain credit and hurting my good name.
Consumer complaint received 2020-07-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.